Ninja Insights
Guides, rate watches and plain-language breakdowns from the NinjaCompares team, so every financial move lands clean.
4 articles in Mortgages.
The deposit is not your only cash: what buying a home in the UAE really costs
Twenty percent is what many buyers focus on. It is not the full amount you need to buy a home. On top of your deposit come government registration fees, broker commission, mortgage registration, valuation and the bank’s own charges. And since February 2025, banks no longer finance transfer fees and agent commission, so these are paid in cash. The useful question is not “What is my deposit?” It is: “How much cash do I actually need to complete the purchase?”
EIBOR just moved. Here’s what it means for your repayments
EIBOR moves every business day. Your mortgage payment doesn’t. That gap is why most EIBOR headlines matter less than they sound, and why a few lines in your loan agreement matter more.
Pre-approval in the UAE: your unfair advantage at the negotiation table
Two buyers offer the same price for the same apartment. One says the bank will “probably” lend. The other has a letter from the bank. The seller’s choice is easy. A pre-approval doesn’t make your offer higher. It makes it safer to accept. It matters at three moments: before you view, when you make an offer, and after the seller says yes.
UAE Mortgage Rates in 2026: What Buyers Should Actually Watch
2026 reminded buyers that rates don’t only go down. But the rate on a bank’s banner is still the least important number in your mortgage. Here are the seven things that deserve your attention instead.