How to Switch Banks & Buy Out Your Mortgage Introduction: Why 2025 is the Year of Smarter Mortgage Moves The UAE mortgage market in 2025 is seeing a wave of homeowners taking control of their finances. With the U.S. Federal Reserve signaling another rate cut and local banks adjusting their EIBOR-linked home loans, mortgage rates in the UAE are at some of the lowest levels in years. As of October 2025, fixed mortgage rates are hovering between 3.75% and 4.50%, depending on tenure and profile. That’s a major drop from the 6–7% levels many borrowers were paying in 2022–23. Naturally,…