Refinancing Your UAE Mortgage in 2025: When Does It Make Sense?

Introduction

Refinancing is one of the smartest ways to reduce costs on your mortgage: but timing is everything.

When Refinancing Makes Sense

  • Interest rates drop
  • Your credit score improves
  • You want to switch from variable to fixed (or vice versa)
  • You’re consolidating debts

Costs of Refinancing

  • Exit fees (usually 1% of loan balance or AED 10,000/- whichever is lower)
  • Valuation fees
  • New mortgage registration fees

Final Thoughts

If savings outweigh costs, refinancing is worth it.

👉 SAPRO Mortgages can review your current loan and tell you if refinancing is the right move for 2025.

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