Introduction
Choosing between fixed and variable mortgage rates is one of the toughest decisions buyers face in 2025. Let’s compare the two.
Fixed Rate Mortgages
- Predictable monthly payments
- Protection from rate hikes
- Typically slightly higher initial rates
Variable Rate Mortgages
- Potentially cheaper if EIBOR falls
- Flexible for early repayments
- Risk of rising payments if rates increase
What’s Happening in 2025?
- Global rates are stabilizing after years of volatility.
- Many UAE buyers are choosing fixed rates for security.
- Investors with high cash flow often lean toward variable rates.
Final Thoughts
There’s no one-size-fits-all answer. Your choice depends on risk appetite and financial stability.
👉 At SAPRO Mortgages, we help clients run scenarios to see which option saves them more in the long run. Let’s crunch the numbers for you.
