What happens when my fixed rate period ends?
A straight answer from the team that tracks every UAE bank’s verified pricing — commission-free.
Short answer below, then the detail — and if you want it applied to your own numbers, the calculator and a free advisor check are right here.
Lowest advertised verified rate — we confirm your personal rate free.
Answer: Your rate reverts to the bank's follow-on formula — a margin plus EIBOR. In our verified set, margins run roughly 1.0%–2.25% over 1M/3M/6M EIBOR, so the reversion rate is often well above the fixed rate you enjoyed.
This is where borrowers overpay for years without noticing. Diarise the end of your fixed period and price a switch 3–4 months before — the 1%/AED 10,000 settlement cap keeps the exit cheap.
How Mortgease helps
- We confirm how this applies to your profile across 15+ UAE banks — free, commission-free.
- Verified pricing, not poster rates: see the live rate table and the UAE Rate Index.
- Pre-approval typically within 24 hours.
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