Refinance & Remortgage
Lower Your Payments. Release Equity. Take Control of Your Mortgage.
Already own a property in the UAE? You may be eligible to refinance or remortgage and benefit from lower rates, better terms, or cash back from your built-up equity.
We help UAE residents and non-residents switch their existing mortgage to a better deal — with zero stress and full transparency.
Why Refinance / Buyout?
Remortgaging can be a smart financial move for several reasons. Many homeowners refinance to secure a lower interest rate, which can save thousands of dirhams over the life of the loan. Others choose to release equity — accessing the built-up value in their property as a lump sum for renovations, investments, or other needs. If your monthly payments feel too high, you can extend the repayment term to reduce your financial load. Some clients opt to switch to Islamic finance, aligning their mortgage with Shariah principles. Even if you're happy with your current bank, you might be able to reprice your mortgage and negotiate better terms — all without changing lenders.
How It Works
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Mortgage Assessment
We evaluate your current mortgage terms, property value, and remaining balance. -
Compare Bank Offers
We find better deals from leading UAE banks — including fixed, variable, or Islamic finance options. -
Submit Documents
With your permission, we handle the paperwork and liaise with the banks directly. -
Approval & Transfer
Once approved, your new bank pays off the old one — and you start fresh under better terms.
FAQs About Refinancing
Q: Will I pay a penalty for switching?
A: Possibly — some banks charge an early settlement fee. But we’ll calculate if the savings outweigh the cost.
Q: How long does it take?
A: Typically 4 - 8 weeks depending on documentation and bank processing times.
Q: Can I release equity and still reduce my rate?
A: Yes, many clients do both — cash out some equity and still end up with better terms.
Q: Is Islamic refinancing available?
A: Absolutely. You can switch from conventional to Shariah-compliant mortgage — or vice versa.
Eligibility for Refinancing
UAE residents & expats
Non-resident property owners
Homeowners with existing mortgage
Good repayment history
