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Research, analysis and market intelligence from our advisory desk — liquidity, equity release and debt restructuring, explained by a DFSA-regulated firm in the DIFC and translated for the people it serves. Scroll for the latest insights.
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Market Insight
The Rate You Are Tested At: Why Banks Stress a Mortgage Above the Price They Charge, and Why Every UAE Household Should Do the Same to Itself
Industry reporting this week says UAE banks are likely to lift the stress-test rates they use to assess mortgage eligibility, so some buyers will qualify for less even as headline...
Market Insight
Moving Your UAE Mortgage to Another Bank: How to Judge a Transfer Offer by Total Cost, Not by the Instalment
A lower instalment is not proof of a saving. Here is how to judge a UAE mortgage transfer offer by total cost, fees, breakeven and what a repayment holiday really does.
Market Insight
Leaving the UAE With the Mortgage Still Running: What Changes When a Borrower Becomes a Non-Resident, and How to Plan the Exit Before the Flight
A UAE mortgage does not end when the visa does. What changes is how the bank classifies you. Here is what to read, what to ask and how to choose between keeping, letting, selling o...
Market Insight
The Insurance Line Inside Your UAE Mortgage: Life Cover, Property Cover, and the Premium That Climbs While the Loan Shrinks
Most UAE mortgages carry a life cover and a property cover that renew every year without a decision from the borrower. Here is how each is priced, where households typically overpa...
Market Insight
The Hold: Why Doing Nothing on Purpose Is the Hardest Decision in Finance, and How a Household Does It Properly
On 28 October the US Federal Reserve held rates in a 10-2 vote and the Central Bank of the UAE kept the Base Rate at 3.90%. Neither was idle: each named what it was watching, what...
Market Insight
The Central Bank Held. Your Mortgage Instalment Might Not: EIBOR, Reset Dates and the Gap Between Policy Rates and What You Pay
The Fed held at 3.75% to 4.00% and the Central Bank of the UAE kept its Base Rate at 3.90% this week, yet three-month EIBOR, the benchmark most UAE variable mortgages actually repr...
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