Mortgage services · Refinance

Mortgage Refinance and Buyout in Dubai

Refinancing moves your mortgage to a new rate or bank. It only pays off when the savings beat the settlement, valuation and transfer costs.

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01

When refinancing makes sense

Refinancing moves your mortgage to a new rate or a new bank. It makes sense when your fixed period is ending, rates have fallen, or your income or property value has improved. It only pays off when the savings beat the costs of switching.

02

Costs of switching banks

Switching usually involves several costs. We total them first and calculate the break-even point.

  • Early settlement fee on your current loan
  • Property valuation
  • The new bank’s processing fee
  • Mortgage registration
03

When your fixed period ends

When a fixed-rate period ends, most banks move you to a variable rate, usually based on EIBOR plus the bank’s margin. That is often the best moment to compare the market and negotiate.

04

The buyout process step by step

A buyout follows a clear sequence.

  • Review your current mortgage and settlement terms
  • Compare offers from other banks
  • The new bank values the property and approves the loan
  • The new bank settles your old loan directly
  • The mortgage is re-registered with the new bank

FAQ

Refinance questions, answered

When your fixed period ends, rates fall, or your income or property value has improved. We calculate the break-even point first.

Typically an early settlement fee on the old loan, a valuation, the new bank’s processing fee and mortgage registration. We total them before you decide.

Usually a few weeks, as the new bank values the property and settles your old loan directly.

Sometimes, within the bank’s loan-to-value limit. The extra amount is assessed like a new loan.

Sometimes. A competing offer can be used to negotiate, and we tell you whether staying or moving is cheaper.

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Information on this page is general guidance, not legal or financial advice. Rules, fees and bank criteria change, and every mortgage is subject to bank approval and your eligibility. Last reviewed October 2026.

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