Emirates Islamic Mortgage Buyout
Move your existing UAE mortgage to Emirates Islamic — 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 Emirates Islamic 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 Emirates Islamic's current indicative pricing for your profile, free.
Why move your mortgage to Emirates Islamic?
A mortgage buyout (balance transfer) moves your existing home loan to a new bank at better terms. Emirates Islamic 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.
Emirates Islamic advertised fixed profit rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | 4.19% · 3-yr fixed | then 1.89% + 3M EIBOR | 2026-09-21 |
| Non-salary transfer | 4.59% · 5-yr fixed | then 1.89% + 3M EIBOR | 2026-09-21 |
| Self-employed | 4.19% · 3-yr fixed | then 1.89% + 3M EIBOR | 2026-09-21 |
| Self-employed | 4.59% · 5-yr fixed | then 1.89% + 3M EIBOR | 2026-09-21 |
| Salary transfer | 3.99% · 3-yr fixed | then 1.79% + 3M EIBOR | 2026-09-21 |
| Salary transfer | 4.39% · 5-yr fixed | then 1.79% + 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 Emirates Islamic’s advertised 3.99% (salary transfer, 3-yr fixed) cuts the payment by roughly AED 809/month — about AED 9,708 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 Emirates Islamic: 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 Emirates Islamic updates
- Emirates Islamic cuts reversion margin in updated Home Finance pricing (valid to 31 August 2026)
- Emirates Islamic revises Expat Home Finance FTV — airlines reinstated, retail capped at 70%, hospitality & travel suspended
- EIB tightens FTV for expat financing — 70% cap for select sectors, freeze on unpaid leave
Emirates Islamic buyout FAQs
Do I pay the 4% DLD fee when switching to Emirates Islamic?
What buyout profit rate will Emirates Islamic give me?
How long does a buyout to Emirates Islamic take?
Is Emirates Islamic my best buyout option?
Emirates Islamic mortgage overview → · UAE buyout guide → · All verified rates →
Same at other banks: Emirates NBD → · FAB → · HSBC →
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.