Get in touch
Home UAE Mortgage Rates Mortgage Calculator Eligibility Calculator DBR Calculator Banks Projects Guides Blog Bank Updates FAQs About Get in touch

Arab Bank Mortgage Buyout

Move your existing UAE mortgage to Arab Bank — verified pricing, real switch costs, and the break-even math. Commission-free.

A buyout moves your existing mortgage to a better deal — and Arab Bank is one of the banks we arrange it with, commission-free. Advertised rates below are verified from official circulars; we confirm your exact terms free.

Arab Bank buyout · advertised · verified
from 3.78% p.a.
Buyout pricing is confirmed per profile — we check current promotions (some refund the valuation fee) for you, free.

Advertised rate — we confirm Arab Bank's current best pricing for your profile, free.

Estimated monthly payment
AED 9,490/mo
Loan AED 1,600,000

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

SegmentAdvertised fixed rateAfter the fixed periodVerified
Non-salary transfer4.15% · 2-yr fixedthen 1.99% + 6M EIBOR2026-07-12
Non-salary transfer4.30% · 3-yr fixedthen 1.99% + 6M EIBOR2026-07-12
Self-employed4.89% · 2-yr fixedthen 2.5% + 6M EIBOR2026-07-12
Self-employed4.99% · 3-yr fixedthen 2.5% + 6M EIBOR2026-07-12
Salary transfer3.78% · 2-yr fixedthen 1.99% + 6M EIBOR2026-07-12
Salary transfer4.15% · 3-yr fixedthen 1.99% + 6M EIBOR2026-07-12

Advertised rates from circulars verified by Mortgease on the dates shown. 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 3.78% (salary transfer, 2-yr fixed) cuts the payment by roughly AED 974/month — about AED 11,691 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 (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 buyout FAQs

Do I pay the 4% DLD fee when switching to Arab Bank?
No. A buyout transfers the loan, not the property, so the DLD transfer fee doesn’t apply. The main costs are early settlement (capped at 1% / AED 10,000), the valuation fee and re-registration.
What buyout rate will Arab Bank give me?
Advertised fixed rates currently start from 3.78% (see table above). Your exact buyout pricing depends on profile, LTV and salary transfer — we confirm it with Arab Bank for you, free.
How long does a buyout to Arab Bank take?
Typically 3–6 weeks end to end: approval, property valuation, settlement of the old loan and re-registration. Mortgease coordinates every step.
Is Arab Bank my best buyout option?
Maybe — that’s the point of using a broker. We compare Arab Bank against 15+ UAE banks on the same day and only recommend the switch if the break-even genuinely works for you.

Arab Bank mortgage overview →  ·  UAE buyout guide →  ·  All verified rates →

Compare with other UAE banks

Standard Chartered mortgage → ADCB mortgage → ADIB mortgage → CBD mortgage → Dubai Islamic Bank mortgage → All 12 bank guides →

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 compare all of them for you, free.