Dubai, a city synonymous with luxury and opulence, is a sought-after destination for real estate investments. However, managing and repaying a mortgage can often seem like a daunting task. AIZ Real Estate Brokerage is here to guide you through effective strategies to expedite your mortgage repayment process, allowing you to enjoy the benefits of your investment sooner.

1. Opt for an Offset Mortgage:

An offset mortgage links your current account, savings, and mortgage, reducing the interest you pay by offsetting the amount held in your accounts against your mortgage balance. This strategy not only lowers your monthly payments but also allows instant access to your funds when required.

2. Establish a Robust Budget:

Creating a budget is fundamental. It helps identify unnecessary expenditures and allocate more funds towards mortgage repayment. Incorporate all income and expenses in your budget, including investments, savings, and any additional payments planned, to stay abreast of your financial standing.

3. Make Additional Payments:

Consider making extra payments over your minimum monthly requirement. This approach directly reduces the principal balance, subsequently decreasing the overall interest paid over the loan’s lifespan, enabling faster mortgage repayment.

4. Refinance Your Mortgage:

Refinancing can potentially lower your monthly payments, interest rates, and remove mortgage insurance, depending on prevailing rates. It also provides an opportunity to switch between adjustable and fixed-rate loans and access additional funds for various projects.

5. Enhance Your Income:

Seeking higher-paying employment, engaging in side hustles, or renting out spare rooms are viable strategies to increase income. Even minor increments in income can significantly impact your mortgage repayment timeline.

6. Maximise Tax Deductions:

Leverage applicable tax deductions, such as those on mortgage interest payments and mortgage insurance premiums, to reduce both your mortgage repayment time and tax liabilities.

7. Consider a 15-Year Mortgage:

Opting for a 15-year mortgage can result in higher monthly payments but substantially less interest paid over the loan’s duration, allowing for quicker property ownership.

8. Leverage One-Time Payments:

Whenever feasible, make one-time payments to reduce interest costs and expedite mortgage repayment, especially at the loan’s inception when interest costs are highest.


AIZ Real Estate Brokerage is dedicated to providing you with strategic insights and professional advice to navigate your mortgage repayment journey in Dubai efficiently. By implementing these proven strategies, you can accelerate mortgage repayment and relish the rewards of your investment sooner.

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