Dubai Islamic Bank Mortgage Buyout
Move your existing UAE mortgage to Dubai Islamic 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 Dubai Islamic Bank is one of the lender routes we can assess. Mortg Ease charges no client brokerage fee. Advertised profit rates below are from the bank pricing file received 21 September 2026; we reconfirm current indicative pricing and requirements before submission.
Advertised profit rate — we confirm Dubai Islamic Bank's current indicative 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% + 3M EIBOR | 2026-09-21 |
| Non-salary transfer | 4.70% · 5-yr fixed | then 1.5% + 3M EIBOR | 2026-09-21 |
| Self-employed | 4.10% · 3-yr fixed | then 1.75% + 3M EIBOR | 2026-09-21 |
| Self-employed | 4.70% · 5-yr fixed | then 1.75% + 3M EIBOR | 2026-09-21 |
| Salary transfer | 3.95% · 3-yr fixed | then 1% + 3M EIBOR | 2026-09-21 |
| Salary transfer | 4.50% · 5-yr fixed | then 1% + 3M EIBOR | 2026-09-21 |
Advertised profit rates from the bank pricing file we received on 21 September 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 Dubai Islamic Bank’s advertised 3.95% (salary transfer, 3-yr fixed) cuts the payment by roughly AED 841/month — about AED 10,092 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 →
Same at other banks: Emirates Islamic → · Emirates NBD → · FAB →
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.