---
title: What is a reversion rate?
description: "A reversion rate is the interest rate your mortgage automatically switches to after your fixed-rate period ends. It functions like a variable rate, meaning it can change over time. For example, if you had a fixed-rate mortgage for three years,…"
url: "https://yazodo.com/help/mortgage-loan/what-is-a-reversion-rate/"
updated: "2025-11-30"
category: Mortgage Loan
tags:
  - Current Mortgage Rates in UAE
  - "Mortgage & Home Loans"
  - Mortgage Loan Interest Rates
  - "Variable-Rate Mortgage"
---

# What is a reversion rate?

A reversion rate is the interest rate your mortgage automatically switches to after your fixed-rate period ends. It functions like a variable rate, meaning it can change over time.
For example, if you had a fixed-rate mortgage for three years, once that period ends, your loan will move to the reversion rate. This new rate is typically based on a benchmark, such as the Emirates Interbank Offered Rate (EIBOR), with an additional margin added by the bank—usually around 2% to 3%.