Arab Bank Mortgage Buyout
Move your existing UAE mortgage to Arab Bank — current pricing, real switch costs, and the break-even math. with no client brokerage fee.
A buyout moves your existing mortgage to a better deal — and Arab Bank is one of the lender routes we can assess. Mortg Ease charges no client brokerage fee. Advertised rates below are from Arab Bank mortgage pricing, October 2026 (received 5 October 2026); we reconfirm current indicative pricing and requirements before submission.
Advertised rate — we confirm Arab Bank's current indicative pricing for your profile, free.
Why move your mortgage to Arab Bank?
A mortgage buyout (balance transfer) moves your existing home loan to a new bank at better terms. Arab Bank is one of the banks we arrange buyouts with. Because the property doesn’t change hands, there is no 4% DLD transfer fee — the main cost people fear simply doesn’t apply.
Arab Bank advertised fixed rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | 4.15% · 2-yr fixed | then 1.99% + 6M EIBOR, floor 3.75% | 2026-10-05 |
| Non-salary transfer | 4.40% · 3-yr fixed | then 1.99% + 6M EIBOR, floor 3.75% | 2026-10-05 |
| Self-employed | 4.89% · 2-yr fixed | then 2.5% + 6M EIBOR, floor 3.99% | 2026-10-05 |
| Self-employed | 4.99% · 3-yr fixed | then 2.5% + 6M EIBOR, floor 3.99% | 2026-10-05 |
| Salary transfer | 3.99% · 2-yr fixed | then 1.89% + 6M EIBOR, floor 3.24% | 2026-10-05 |
| Salary transfer | 4.25% · 3-yr fixed | then 1.89% + 6M EIBOR, floor 3.24% | 2026-10-05 |
Advertised rates from Arab Bank mortgage pricing, October 2026 (received 5 October 2026), with the date shown on each row. Buyout pricing is confirmed per profile on application — promotions sometimes improve on these; we check for you, free.
What switching could save — worked example
On an AED 1.5M balance with 20 years left, moving from a legacy 4.99% to Arab Bank’s advertised 3.99% (salary transfer, 2-yr fixed, credit card required) cuts the payment by roughly AED 809/month — about AED 9,708 a year. Illustrative maths at advertised rates; we run your exact numbers, free.
What a buyout actually costs
- Early settlement with your current bank: capped at 1% of the balance or AED 10,000, whichever is lower (UAE-wide rule).
- Valuation fee at Arab Bank: AED 3,150, or AED 3,675 in Ajman, VAT included (some promotions refund it; we confirm).
- Mortgage release & re-registration: release ~AED 1,290; new registration 0.25% of the loan + AED 290.
- No DLD 4% transfer fee — ownership doesn’t change.
We calculate your break-even month before you commit — if the switch doesn’t pay for itself, we’ll tell you.
Latest verified Arab Bank updates
- Arab Bank October 2026 pricing: salary transfer from 3.99%, credit card required
- Arab Bank Jebel Ali Village handover financing — STL from 3.78%, NSTL from 3.95%, zero processing fees
- Arab Bank extends Ramadan mortgage campaign through 30 April 2026
Arab Bank buyout FAQs
Do I pay the 4% DLD fee when switching to Arab Bank?
What buyout rate will Arab Bank give me?
How long does a buyout to Arab Bank take?
Is Arab Bank my best buyout option?
Arab Bank mortgage overview → · UAE buyout guide → · All verified rates →
Same at other banks: CBD → · Dubai Islamic Bank → · Emirates Islamic →
Compare with other UAE banks
Not sure which bank fits your profile? See current UAE mortgage rates, check your eligibility, work out your DBR or estimate your monthly payment — then we review relevant lender routes with no client brokerage fee.