Fixed Rate Mortgages in the UAE

Protect yourself from rate rises by locking in a competitive fixed rate — we find the best fixed mortgage deals across the UAE market.

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A fixed rate mortgage gives you certainty over your monthly repayments for an agreed period, typically one to five years in the UAE. This predictability is particularly valuable in a rising interest rate environment or when you want to plan your personal or investment finances with precision. After the fixed period ends, most UAE mortgages revert to a variable rate linked to EIBOR, which is when refinancing to a new fixed product often makes financial sense.

FCA Regulated Advice

20+

UAE Lenders

80%

Max LTV

Free

Consultation

Why Choose Bradgate Heights

Payment Certainty

Your monthly repayment is locked in for the fixed period, regardless of movements in the Emirates Interbank Offered Rate or wider global interest rate cycles.

Budget Planning

Fixed rate products are ideal for buyers who want to forecast their property costs accurately over the short to medium term, whether for personal budgeting or investment yield modelling.

Protection in Rising Markets

In a rising rate environment, locking in a fixed rate early can save significant sums compared to remaining on a variable product that tracks EIBOR movements upward.

Wide Choice of Terms

UAE lenders offer fixed periods ranging from one to five years, and we help you choose the term that best matches your ownership horizon and personal risk appetite.

How It Works

Check Eligibility

We review your financial profile and discuss your rate preferences, planned ownership period, and risk tolerance to guide you towards the most appropriate fixed rate term.

Choose Product

We compare fixed rate products across our lender panel, highlighting the rate, fixed period, reversion rate after the fixed term, and any early settlement conditions that apply.

Application

We submit your fixed rate mortgage application and manage the full underwriting process through to formal offer, keeping you informed at each stage.

Completion

We complete your mortgage and proactively contact you as your fixed period approaches its end so you can review your options before the reversion rate kicks in.

Frequently Asked Questions

How long are fixed rate periods on UAE mortgages?+

Fixed rate periods in the UAE typically range from one to five years. Three-year fixed rates are among the most popular, balancing rate certainty with the flexibility to review and potentially switch at the end of the term.

What happens when my UAE fixed rate period ends?+

When your fixed period ends, your mortgage typically reverts to the lender's standard variable rate linked to EIBOR plus a margin. This is a common trigger to refinance to a new fixed rate product and we proactively contact clients as the date approaches.

Are there penalties for leaving a UAE fixed rate mortgage early?+

Yes, most UAE lenders charge an early settlement fee of up to 1% of the outstanding balance if you redeem or switch during the fixed period. We factor these charges into our rate comparisons so you have a complete financial picture.

Are UAE fixed rates currently competitive?+

UAE fixed rates are influenced by global interest rate cycles and EIBOR movements. Our advisors monitor lender pricing daily and can advise on whether current market rates represent a good time to fix your mortgage.

Can I overpay on a UAE fixed rate mortgage?+

Some UAE lenders allow limited overpayments within the fixed period without triggering early settlement penalties. We check each lender's overpayment policy and highlight this as part of our product comparison for every client.

Ready to get started?

Speak to a specialist today for a free, no-obligation consultation. We compare 20+ UAE lenders to find the mortgage that is right for you.

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