Buyout & Refinance
Your rate had a fixed period. Your loyalty shouldn't.
Most UAE mortgages revert to a high variable rate after year three. Moving your loan can save more than you think — we'll show you the exact number.
A real savings number, first
We model your remaining term against today's matrix — including exit fees, so the comparison is honest.
Banks pay to win you
Several lenders are running buyout campaigns that refund valuation and processing fees on completion.
Cash-out if you want it
Release equity for renovation, education or investment while you switch — up to policy limits.
How it runs
- 1Send your current offer letter
- 2We model the true saving
- 3Choose the new bank
- 4We manage the settlement
- 5New rate live
Asked often
What does it cost to switch?
Early settlement is capped at 1% or AED 10,000 (whichever is lower) by the Central Bank. Add registration and valuation — often refunded under buyout campaigns. We net all of it into the savings math.
When is refinancing worth it?
As a rule of thumb: if your reversion rate is 1%+ above today's fixed rates and you have 5+ years left, run the numbers. It takes us a day to tell you.
Ready when you are.
A 15-minute conversation. No documents, no pressure, no obligation. Just clarity on your options.