Simply Sarajevo


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  • Arabic

Fifteen years after the end of the Yugoslav civil wars of the 1990s, the Bosnian capital is again a showcase of co-existence.

"Let's put this pedal to the metal," proclaimed my driver in heavily-accented English as he ran his beat-up car along the gauntlet of turns on the Igman Mountain Road. Adam, a 20-something bed-and-breakfast owner, was full of mispronounced Americanisms and repeated offers of cigarettes that afternoon as he raced back to catch the beginning of a football match. As we picked up speed, a cityscape of drab apartment complexes below us gave way to a neighbourhood of old-world homes and Turkish-style minarets. The beauty of that place, set among wooded hills and draped in low-lying clouds, set the heart racing with anticipation. Seeing Sarajevo for the first time at a distance, you'd never know that anything untoward had ever occurred there.

"First time in Bosnia?" my host asked point-blank, wincing as a cloud of his own cigarette smoke blinded him momentarily. His question nudged us closer to some intended destination in the conversation. "You see there? Behind those trees?" he said, pointing straight ahead at a turn in the road. "An enemy position from the war. They used to shoot at us from there." As we arrived in Sarajevo there was scant evidence of that dark episode to which Adam referred. Instead, we were received by what appeared to be as intact a city as any in Europe. Along the banks of the river that bisects the city, cafes teemed with people eating and drinking the afternoon away, while the street buzzed with the jostling of pedestrians, trams and motorcycles. Nothing seemed out of the ordinary. Nor were there any overt signs that an apocalypse had once stormed through.

Known in recent times as the poster child for the chaos and inhumanity that tore apart the former Yugoslavia, the city of Sarajevo has come back to reclaim its position as one of the most interesting and enchanting cities in all of Europe. Nearly 15 years after the 1995 Dayton Accords put an end to the Balkan Wars, a sense of optimism and an air of tranquility have taken over the capital of Bosnia-Herzegovina.

Without visiting, it remains easy to fall prey to Sarajevo's associations with violent conflict. The nearly four-year siege of the city by Bosnian Serb forces, between 1992 and 1996, grabbed international headlines and shocked the world. Sarajevo was also the backdrop for an infamous political assassination in 1914 that ignited the First World War - a fact that is drilled into the minds of history students to this day.

But the sheer beauty and air of calm of today's Sarajevo belies its old reputation. Ottoman Turk, Austro-Hungarian and Cold War communist influences co-exist here and are infused with deep Slavic character. Croats, Muslims, Serbs, Jews and even gypsies have dwelt together here for more than 500 years, forging a common identity based on peaceful co-existence. "It's like Istanbul, Vienna and Vladivostok all rolled into one," said an American traveller who had recently made the city his home. "It has the mysterious air of a recluse, or of a lost civilisation. It's unlike any place I've ever been."

Sarajevo was founded in 1462 by Isa Beg Isakovic - Bosnia's first Ottoman governor. In forefather fashion, he intuited a future city on nothing more than an unclaimed field of grass. He built a mosque on the left bank of the Miljacka River, with an administrative building beside it, and in doing so would inadvertently coin the city's name. The word "Sarajevo" comes from the Turkish "saray ovasi", meaning "the plain beside the court".

From its founding, Sarajevo's otherworldly splendour attracted life from all directions. Within decades the town became a seat of Ottoman power in Europe, populated by merchants, pashas and wandering dervishes. By the 16th century Sarajevo would become the most important city in the Balkans as well as one of the primary hubs on trade routes between East and West. The city's old Turkish quarter, Bascarsija, contains well-preserved monuments of Sarajevo's Ottoman period. This neighbourhood of labyrinthine walkways, old stone buildings and rustic emanations is both Sarajevo's main market area and its eastern soul. It is also a living example of how the city co-opted both the spiritual and temporal endowments of Islam to suit its own temperament.

Mosque and minaret are dressed here in a verdant softness enlivened by birdsong, the splashing of water fountains and, in winter, snow. Nowhere is this better seen than at the 16th-century Gazi Husrev-begova complex at the northern edge of Bascarsija. Sarajevo's main mosque and madrassa, these two buildings are considered to be the most significant pieces of Islamic architecture in all of the Balkans. The buildings, hemmed in by leafy byways and decorated with eastern motifs, also make this one of the most bucolic corners of Sarajevo.

Indeed, a palpable medieval feel permeates all of Bascarsija. The district's numerous historic endowments, its old-city acoustics and its 360-degree views of the forested hills surrounding the city take one back to the heady days of an epoch long preceding modernity. Walking through the souq-like alleyways, it is easy to imagine the sights and sounds of the blacksmiths, leather craftsmen and saddlers who once worked here. The area once teemed with life. Caravans arriving from both East and West were accommodated at the nearly 50 inns - called hans - in Bascarsija.

While taking in these sights, one will notice numerous chimney-topped buildings billowing clouds of smoke. These old structures, with rows of wooden benches outside, are eateries specialising in the making of Bosnia's national dish, cevapcici (pronounced "chey-VAP-chee-chee"). Cevapcici are small grilled rolls of minced beef and lamb, which are often served inside a pita with chopped onions and a glass of yoghurt on the side. These oblong meatballs are a close relative of Middle Eastern kofta, but have a distinct Balkan flavour owing to the copious amounts of paprika used in their preparation. Cevapcici is the quintessential Bosnian dish, and is to Sarajevo what foul is to Cairo, what bouillabaisse is to Marseille, or what doner kebab is to Istanbul.

For those with an appetite for political history, a 10-minute walk from Bascarsija will take you to the Latin Bridge, also known as Princip's Bridge. Here a plaque commemorates the assassination of the Archduke Franz Ferdinand and his wife on June 28, 1914, at the hands of Gavrilo Princip, a Bosnian-Serb nationalist. The assassination triggered a series of events that led to the First World War. This incident remains the most referred-to flashpoint for one of the worst upheavals in world history, and walking tours of the city feature stops along the bridge.

As much as the Franz Ferdinand assassination contributed to Sarajevo's mystique, the more recent siege of the city during the Balkan Wars left a wider and more tangible impact on the city and its people. Sarajevo has largely moved on from that brutal episode but some of the physical scars of the conflict remain visible: a few pockmarked and bullet-ridden buildings, vast cemeteries of war victims, and invalids pushing painfully along the city's Ferhadija pedestrian zone.

Most people I spoke to dismissed the war as a momentary aberration in Sarajevo's long and peaceful history. But the conflict's psychological and transformative impact on the city and its people cannot be underestimated. Throughout the sniping and the shelling, Sarajevans remained heroically defiant. In addition to organising an effective military resistance, the populace worked to maintain a semblance of normal life, organising concerts, radio shows and film festivals.

Sarajevans also built an 800-metre-long tunnel beneath the city's airport that effectively breached the siege lines and connected Sarajevo with the outside world. The 1.5-metre-high tunnel brought desperately needed food and equipment into the city and helped ferry the injured out. The tunnel kept the city's soul alight while the Western world deliberated endlessly over how to end the conflict. The Sarajevo Tunnel Museum is an ad-hoc shrine to this lifeline. It is located on the southwest flank of the city and is found in the residential home where the actual tunnel was constructed. Although much of the tunnel is now collapsed, visitors can walk through 25 metres of the passage, watch a video about the siege and look at an impressive collection of war paraphernalia.

"We worked around the clock for years, moving people and weapons through here," says Edis Kolar, owner of the museum. "If you can believe - the enemy were sitting just a few hundred metres away. They never discovered what we were doing." As we milled about the tunnel entrance, my driver struck up a conversation with a group of Bosnians from out of town. As with some other conversations I'd been let into, talk centered not about hatreds and vendettas, but about healing and the bright future ahead for the country. The group, which quickly swelled, discussed the improvement of relations between the city's ethnic groups, and the hope that Bosnia would be able to enter the EU in the near future.

Days later, while sitting over a Turkish coffee with Miran Jelenek, a Reuters cameraman and journalist, I expressed my amazement at the ability of many Sarajevans to put aside their grudges. Jelenek, who lived through the war, and whose sleepless demeanour betrayed history's burden upon him, shrugged his shoulders dismissively. "It comes easy for us." I asked him what he meant. "I am a Croat-Catholic, my wife is Serbian-Orthodox, and my son, well, he can become a Muslim if that's what he chooses," he said. "That's what it means to be a Sarajevan." travel@thenational.ae

FIVE%20TRENDS%20THAT%20WILL%20SHAPE%20UAE%20BANKING
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EA Sports FC 24
While you're here
The National's picks

4.35pm: Tilal Al Khalediah
5.10pm: Continous
5.45pm: Raging Torrent
6.20pm: West Acre
7pm: Flood Zone
7.40pm: Straight No Chaser
8.15pm: Romantic Warrior
8.50pm: Calandogan
9.30pm: Forever Young

Roll of honour 2019-2020

Dubai Rugby Sevens
Winners: Dubai Hurricanes
Runners up: Bahrain

West Asia Premiership
Winners: Bahrain
Runners up: UAE Premiership

UAE Premiership
}Winners: Dubai Exiles
Runners up: Dubai Hurricanes

UAE Division One
Winners: Abu Dhabi Saracens
Runners up: Dubai Hurricanes II

UAE Division Two
Winners: Barrelhouse
Runners up: RAK Rugby

The specs
  • Engine: 3.9-litre twin-turbo V8
  • Power: 640hp
  • Torque: 760nm
  • On sale: 2026
  • Price: Not announced yet
UFC Fight Night 2

1am – Early prelims

2am – Prelims

4am-7am – Main card

7:30am-9am – press cons

From Zero

Artist: Linkin Park

Label: Warner Records

Number of tracks: 11

Rating: 4/5

Moon Music

Artist: Coldplay

Label: Parlophone/Atlantic

Number of tracks: 10

Rating: 3/5

LIVERPOOL%20TOP%20SCORERS
%3Cp%3E(Premier%20League%20only)%3Cbr%3EMohamed%20Salah%20129%3Cbr%3ERobbie%20Fowler%20128%3Cbr%3ESteven%20Gerrard%20120%3Cbr%3EMichael%20Owen%20118%3Cbr%3ESadio%20Mane%2090%3Cbr%3E%3C%2Fp%3E%0A
The Sand Castle

Director: Matty Brown

Stars: Nadine Labaki, Ziad Bakri, Zain Al Rafeea, Riman Al Rafeea

Rating: 2.5/5

Cryopreservation: A timeline
  1. Keyhole surgery under general anaesthetic
  2. Ovarian tissue surgically removed
  3. Tissue processed in a high-tech facility
  4. Tissue re-implanted at a time of the patient’s choosing
  5. Full hormone production regained within 4-6 months
COMPANY PROFILE

Name: Qyubic
Started: October 2023
Founder: Namrata Raina
Based: Dubai
Sector: E-commerce
Current number of staff: 10
Investment stage: Pre-seed
Initial investment: Undisclosed 

Q&A with Dash Berlin

Welcome back. What was it like to return to RAK and to play for fans out here again?
It’s an amazing feeling to be back in the passionate UAE again. Seeing the fans having a great time that is what it’s all about.

You're currently touring the globe as part of your Legends of the Feels Tour. How important is it to you to include the Middle East in the schedule?
The tour is doing really well and is extensive and intensive at the same time travelling all over the globe. My Middle Eastern fans are very dear to me, it’s good to be back.

You mix tracks that people know and love, but you also have a visually impressive set too (graphics etc). Is that the secret recipe to Dash Berlin's live gigs?
People enjoying the combination of the music and visuals are the key factor in the success of the Legends Of The Feel tour 2018.

Have you had some time to explore Ras al Khaimah too? If so, what have you been up to?
Coming fresh out of Las Vegas where I continue my 7th annual year DJ residency at Marquee, I decided it was a perfect moment to catch some sun rays and enjoy the warm hospitality of Bab Al Bahr.

 

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UAE v Ireland

1st ODI, UAE win by 6 wickets

2nd ODI, January 12

3rd ODI, January 14

4th ODI, January 16

MATCH INFO

Osasuna 1 Real Madrid 4
Osasuna: García (14')
Real Madrid: Isco (33'), Ramos (38'), Vázquez (84'), Jovic (90' 2)

MATCH INFO

Chelsea 3 (Abraham 11', 17', 74')

Luton Town 1 (Clark 30')

Man of the match Abraham (Chelsea)

COMPANY%20PROFILE
%3Cp%3E%3Cstrong%3EName%3A%3C%2Fstrong%3E%20Carzaty%2C%20now%20Kavak%3Cbr%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Dubai%3Cbr%3E%3Cstrong%3ELaunch%20year%3A%20%3C%2Fstrong%3ECarzaty%20launched%20in%202018%2C%20Kavak%20in%20the%20GCC%20launched%20in%202022%3Cbr%3E%3Cstrong%3ENumber%20of%20employees%3A%3C%2Fstrong%3E%20140%3Cbr%3E%3Cstrong%3ESector%3A%3C%2Fstrong%3E%20Automotive%3Cbr%3E%3Cstrong%3EFunding%3A%20%3C%2Fstrong%3ECarzaty%20raised%20%246m%20in%20equity%20and%20%244m%20in%20debt%3B%20Kavak%20plans%20%24130m%20investment%20in%20the%20GCC%3C%2Fp%3E%0A
UAE currency: the story behind the money in your pockets
Results

5pm: Maiden (PA) Dh80,000 (Turf) 1,200m, Winner: ES Rubban, Antonio Fresu (jockey), Ibrahim Aseel (trainer)

5.30pm: Handicap (PA) Dh85,000 (T) 1,200m, Winner: Al Mobher, Sczcepan Mazur, Ibrahim Al Hadhrami

6pm: Handicap (PA) Dh80,000 (T) 2,200m, Winner: Jabalini, Tadhg O’Shea, Ibrahim Al Hadhrami

6.30pm: Wathba Stallions Cup (PA) Dh70,000 (T) 2,200m, Winner: AF Abahe, Tadgh O’Shea, Ernst Oertel

7pm: Handicap (PA) Dh85,000 (T) 1,600m, Winner: AF Makerah, Tadhg O’Shea, Ernst Oertel

7.30pm: Maiden (TB) Dh80,000 (T) 1,600m, Winner: Law Of Peace, Tadhg O’Shea, Satish Seemar

UAE currency: the story behind the money in your pockets
Race card

6.30pm: Handicap (TB) $68,000 (Dirt) 1,200m

7.05pm: Meydan Cup – Listed Handicap (TB) $88,000 (Turf) 2,810m

7.40pm: UAE 2000 Guineas – Group 3 (TB) $125,000 (D) 1,600m

8.15pm: Firebreak Stakes – Group 3 (TB) $130,000 (D) 1,600m

9.50pm: Meydan Classic – Conditions (TB) $$50,000 (T) 1,400m

9.25pm: Dubai Sprint – Listed Handicap (TB) $88,000 (T) 1,200m

SQUAD

Ali Khaseif, Fahad Al Dhanhani, Adel Al Hosani, Mohammed Al Shamsi, Bandar Al Ahbabi, Mohammed Barghash, Salem Rashid, Khalifa Al Hammadi, Shaheen Abdulrahman, Hassan Al Mahrami, Walid Abbas, Mahmoud Khamis, Yousef Jaber, Saeed Ahmed, Majed Sorour, Majed Hassan, Ali Salmeen, Abdullah Ramadan, Khalil Al Hammadi, Fabio De Lima, Khalfan Mubarak, Tahnoun Al Zaabi, Ali Saleh, Caio Canedo, Muhammed Jumah, Ali Mabkhout, Sebastian Tagliabue, Zayed Al Ameri

COMPANY%20PROFILE
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Paatal Lok season two

Directors: Avinash Arun, Prosit Roy 

Stars: Jaideep Ahlawat, Ishwak Singh, Lc Sekhose, Merenla Imsong

Rating: 4.5/5

UAE squad

Men's draw: Victor Scvortov and Khalifa Al Hosani, (both 73 kilograms), Sergiu Toma and Mihail Marchitan (90kg), Ivan Remarenco (100kg), Ahmed Al Naqbi (60kg), Musabah Al Shamsi and Ahmed Al Hosani (66kg)

Women’s draw: Maitha Al Neyadi (57kg)

Company%20profile
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Living in...

This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.

2025 Fifa Club World Cup groups

Group A: Palmeiras, Porto, Al Ahly, Inter Miami.

Group B: Paris Saint-Germain, Atletico Madrid, Botafogo, Seattle.

Group C: Bayern Munich, Auckland City, Boca Juniors, Benfica.

Group D: Flamengo, ES Tunis, Chelsea, Leon.

Group E: River Plate, Urawa, Monterrey, Inter Milan.

Group F: Fluminense, Borussia Dortmund, Ulsan, Mamelodi Sundowns.

Group G: Manchester City, Wydad, Al Ain, Juventus.

Group H: Real Madrid, Al Hilal, Pachuca, Salzburg.

The bio

Who inspires you?

I am in awe of the remarkable women in the Arab region, both big and small, pushing boundaries and becoming role models for generations. Emily Nasrallah was a writer, journalist, teacher and women’s rights activist

How do you relax?

Yoga relaxes me and helps me relieve tension, especially now when we’re practically chained to laptops and desks. I enjoy learning more about music and the history of famous music bands and genres.

What is favourite book?

The Perks of Being a Wallflower - I think I've read it more than 7 times

What is your favourite Arabic film?

Hala2 Lawen (Translation: Where Do We Go Now?) by Nadine Labaki

What is favourite English film?

Mamma Mia

Best piece of advice to someone looking for a career at Google?

If you’re interested in a career at Google, deep dive into the different career paths and pinpoint the space you want to join. When you know your space, you’re likely to identify the skills you need to develop.  

 

Timeline

2012-2015

The company offers payments/bribes to win key contracts in the Middle East

May 2017

The UK SFO officially opens investigation into Petrofac’s use of agents, corruption, and potential bribery to secure contracts

September 2021

Petrofac pleads guilty to seven counts of failing to prevent bribery under the UK Bribery Act

October 2021

Court fines Petrofac £77 million for bribery. Former executive receives a two-year suspended sentence 

December 2024

Petrofac enters into comprehensive restructuring to strengthen the financial position of the group

May 2025

The High Court of England and Wales approves the company’s restructuring plan

July 2025

The Court of Appeal issues a judgment challenging parts of the restructuring plan

August 2025

Petrofac issues a business update to execute the restructuring and confirms it will appeal the Court of Appeal decision

October 2025

Petrofac loses a major TenneT offshore wind contract worth €13 billion. Holding company files for administration in the UK. Petrofac delisted from the London Stock Exchange

November 2025

180 Petrofac employees laid off in the UAE

What vitamins do we know are beneficial for living in the UAE

Vitamin D: Highly relevant in the UAE due to limited sun exposure; supports bone health, immunity and mood.Vitamin B12: Important for nerve health and energy production, especially for vegetarians, vegans and individuals with absorption issues.Iron: Useful only when deficiency or anaemia is confirmed; helps reduce fatigue and support immunity.Omega-3 (EPA/DHA): Supports heart health and reduces inflammation, especially for those who consume little fish.

JUDAS AND THE BLACK MESSIAH

Directed by: Shaka King

Starring: Daniel Kaluuya, Lakeith Stanfield, Jesse Plemons

Four stars

Results

3pm: Handicap (PA) Dh40,000 (Dirt) 1,000m; Winner: Dhafra, Antonio Fresu (jockey), Eric Lemartinel (trainer)

3.30pm: Maiden (PA) Dh40,000 (D) 2,000m; Winner: Al Ajayib, Antonio Fresu, Eric Lemartinel

4pm: Handicap (PA) Dh40,000 (D) 1,700m; Winner: Ashtr, Abdul Aziz Al Balushi, Majed Al Jahouri

4.30pm: Handicap (TB) Dh40,000 (D) 1,700m; Winner: Falcon Claws, Szczepan Mazur, Doug Watson

5pm: Sheikh Dr Sultan bin Khalifa Al Nahyan Cup – Prestige Handicap (PA) Dh100,000 (D) 1,700m; Winner: Al Mufham SB, Al Moatasem Al Balushi, Badar Al Hajri

5.30pm: Sharjah Marathon – Handicap (PA) Dh70,000 (D) 2,700m; Winner: Asraa Min Al Talqa, Al Moatasem Al Balushi, Helal Al Alawi

How to tell if your child is being bullied at school

Sudden change in behaviour or displays higher levels of stress or anxiety

Shows signs of depression or isolation

Ability to sleep well diminishes

Academic performance begins to deteriorate

Changes in eating habits

Struggles to concentrate

Refuses to go to school

Behaviour changes and is aggressive towards siblings

Begins to use language they do not normally use

Living in...

This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.

Founder: Ayman Badawi

Date started: Test product September 2016, paid launch January 2017

Based: Dubai, UAE

Sector: Software

Size: Seven employees

Funding: $170,000 in angel investment

Funders: friends

T20 World Cup Qualifier

October 18 – November 2

Opening fixtures

Friday, October 18

ICC Academy: 10am, Scotland v Singapore, 2.10pm, Netherlands v Kenya

Zayed Cricket Stadium: 2.10pm, Hong Kong v Ireland, 7.30pm, Oman v UAE

UAE squad

Ahmed Raza (captain), Rohan Mustafa, Ashfaq Ahmed, Rameez Shahzad, Darius D’Silva, Mohammed Usman, Mohammed Boota, Zawar Farid, Ghulam Shabber, Junaid Siddique, Sultan Ahmed, Imran Haider, Waheed Ahmed, Chirag Suri, Zahoor Khan

Players out: Mohammed Naveed, Shaiman Anwar, Qadeer Ahmed

Players in: Junaid Siddique, Darius D’Silva, Waheed Ahmed

Results
%3Cp%3E%3Cstrong%3EStage%206%3A%3C%2Fstrong%3E%3Cbr%3E1.%20Tim%20Merlier%20(BEL)%20Soudal%20Quick-Step%20%E2%80%93%203hrs%2041min%2012sec.%3Cbr%3E2.%20Sam%20Bennett%20(GBR)%20Bora%20%E2%80%93%20Hansgrohe%20%E2%80%93%20ST%3Cbr%3E3.%20Dylan%20Groenewegen%20(NED)%20Team%20Jayco%20Alula%20%E2%80%93%20ST%3Cbr%3E%3Cstrong%3EGeneral%20classification%3A%3C%2Fstrong%3E%3Cbr%3E1.%20Remco%20Evenepoel%20(BEL)%20Soudal%20Quick-Step%3Cbr%3E2.%20Lucas%20Plapp%20(AUS)%20Ineos%20Grenaders%20%E2%80%93%209sec%3Cbr%3E3.%20Pello%20Bilbao%20(ESP)%20Bahrain%20Victorious%20%E2%80%93%2013sec%3C%2Fp%3E%0A
Specs

Engine: 51.5kW electric motor

Range: 400km

Power: 134bhp

Torque: 175Nm

Price: From Dh98,800

Available: Now

UAE SQUAD

 

Goalkeepers: Ali Khaseif, Fahad Al Dhanhani, Mohammed Al Shamsi, Adel Al Hosani

Defenders: Bandar Al Ahbabi, Shaheen Abdulrahman, Walid Abbas, Mahmoud Khamis, Mohammed Barghash, Khalifa Al Hammadi, Hassan Al Mahrami, Yousef Jaber, Mohammed Al Attas

Midfielders: Ali Salmeen, Abdullah Ramadan, Abdullah Al Naqbi, Majed Hassan, Abdullah Hamad, Khalfan Mubarak, Khalil Al Hammadi, Tahnoun Al Zaabi, Harib Abdallah, Mohammed Jumah

Forwards: Fabio De Lima, Caio Canedo, Ali Saleh, Ali Mabkhout, Sebastian Tagliabue

Cricket World Cup League 2

UAE results
Lost to Oman by eight runs
Beat Namibia by three wickets
Lost to Oman by 12 runs
Beat Namibia by 43 runs

UAE fixtures
Free admission. All fixtures broadcast live on icc.tv

Tuesday March 15, v PNG at Sharjah Cricket Stadium
Friday March 18, v Nepal at Dubai International Stadium
Saturday March 19, v PNG at Dubai International Stadium
Monday March 21, v Nepal at Dubai International Stadium

The specs

Engine: 2.0-litre 4-cyl turbo

Power: 247hp at 6,500rpm

Torque: 370Nm from 1,500-3,500rpm

Transmission: 10-speed auto

Fuel consumption: 7.8L/100km

Price: from Dh94,900

On sale: now

Financial considerations before buying a property

Buyers should try to pay as much in cash as possible for a property, limiting the mortgage value to as little as they can afford. This means they not only pay less in interest but their monthly costs are also reduced. Ideally, the monthly mortgage payment should not exceed 20 per cent of the purchaser’s total household income, says Carol Glynn, founder of Conscious Finance Coaching.

“If it’s a rental property, plan for the property to have periods when it does not have a tenant. Ensure you have enough cash set aside to pay the mortgage and other costs during these periods, ideally at least six months,” she says. 

Also, shop around for the best mortgage interest rate. Understand the terms and conditions, especially what happens after any introductory periods, Ms Glynn adds.

Using a good mortgage broker is worth the investment to obtain the best rate available for a buyer’s needs and circumstances. A good mortgage broker will help the buyer understand the terms and conditions of the mortgage and make the purchasing process efficient and easier. 

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UAE currency: the story behind the money in your pockets