CBD Mortgage Buyout
Move your existing UAE mortgage to Commercial Bank of Dubai — verified pricing, real switch costs, and the break-even math. Commission-free.
A buyout moves your existing mortgage to a better deal — and Commercial Bank of Dubai 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.
Advertised rate — we confirm Commercial Bank of Dubai's current best pricing for your profile, free.
Why move your mortgage to Commercial Bank of Dubai?
A mortgage buyout (balance transfer) moves your existing home loan to a new bank at better terms. Commercial Bank of Dubai 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.
Commercial Bank of Dubai advertised fixed rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | 4.19% · 3-yr fixed | then 1.79% + 3M EIBOR | 2026-07-12 |
| Non-salary transfer | 4.59% · 5-yr fixed | then 1.79% + 3M EIBOR | 2026-07-12 |
| Non-salary transfer | 4.99% · 1-yr fixed | then 1.79% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.49% · 3-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.59% · 5-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Self-employed | 5.04% · 1-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 3.99% · 3-yr fixed | then 1.79% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 4.19% · 5-yr fixed | then 1.79% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 4.89% · 1-yr fixed | then 1.79% + 3M EIBOR | 2026-07-12 |
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 Commercial Bank of Dubai’s advertised 3.99% (salary transfer, 3-yr fixed) cuts the payment by roughly AED 809/month — about AED 9,711 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 Commercial Bank of Dubai: 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 Commercial Bank of Dubai updates
- CBD reinstates standard LTV limits — April 2026 restrictions withdrawn
- CBD revises LTV framework — what residents, expats, and non-residents need to know
CBD buyout FAQs
Do I pay the 4% DLD fee when switching to Commercial Bank of Dubai?
What buyout rate will Commercial Bank of Dubai give me?
How long does a buyout to Commercial Bank of Dubai take?
Is Commercial Bank of Dubai my best buyout option?
CBD mortgage overview → · UAE buyout guide → · All verified rates →
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 compare all of them for you, free.