When does refinancing a Dubai mortgage actually make sense?
Usually when the new rate is at least 0.5 to 0.75% lower than your current one and you'll keep the property 2+ more years, when your fixed period ends and reverts to a high variable rate, or when your property has appreciated and you want to release equity. Divide total switching costs by the monthly saving to find your break-even point.
Rules and eligibility criteria change — confirm the current position with the relevant authority before acting. This is general information, not legal advice.
Figures here are indicative as of July 2026 and set by third parties (government, banks, developers) — confirm the current amount before relying on it.
