Dubai Islamic Bank Mortgage Buyout
Move your existing UAE mortgage to Dubai Islamic Bank — verified pricing, real switch costs, and the break-even math. Commission-free.
A buyout moves your existing mortgage to a better deal — and Dubai Islamic Bank is one of the banks we arrange it with, commission-free. Advertised profit rates below are verified from official circulars; we confirm your exact terms free.
Advertised profit rate — we confirm Dubai Islamic Bank's current best pricing for your profile, free.
Why move your mortgage to Dubai Islamic Bank?
A mortgage buyout (balance transfer) moves your existing home loan to a new bank at better terms. Dubai Islamic Bank is one of the banks we arrange buyouts with — structured as Sharia-compliant home finance. Because the property doesn’t change hands, there is no 4% DLD transfer fee — the main cost people fear simply doesn’t apply.
Dubai Islamic Bank advertised fixed profit rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | 3.95% · 3-yr fixed | then 1.0% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.10% · 3-yr fixed | then 1.75% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 3.95% · 3-yr fixed | then 1.0% + 3M EIBOR | 2026-07-12 |
Advertised profit 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 Dubai Islamic Bank’s advertised 3.95% (salary transfer, 3-yr fixed) cuts the payment by roughly AED 841/month — about AED 10,090 a year. Illustrative maths at advertised profit 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 Dubai Islamic Bank: AED 2,625 (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 Dubai Islamic Bank updates
- DIB extends Q3 2026 pricing — 3.95% fixed (3-year) held, Q3 EIBOR reference drops (6 July 2026)
- Dubai Islamic Bank announces 3.95% fixed for 3 years — no salary transfer required (2 July 2026)
- DIB tightens industry-category policy: hospitality and travel paused; airline FTV capped at 70% (Emirates Airlines exempted)
Dubai Islamic Bank buyout FAQs
Do I pay the 4% DLD fee when switching to Dubai Islamic Bank?
What buyout profit rate will Dubai Islamic Bank give me?
How long does a buyout to Dubai Islamic Bank take?
Is Dubai Islamic Bank my best buyout option?
Dubai Islamic Bank 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.