Emirates NBD Mortgage Buyout
Move your existing UAE mortgage to Emirates NBD — 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 NBD is one of the lender routes we can assess. Mortg Ease charges no client brokerage fee. Advertised rates below are from Emirates NBD home loan pricing, October 2026 (received 3 October 2026; for applications from 7 October 2026; standard rows; separate Abu Dhabi rows start from 3.99%); we reconfirm current indicative pricing and requirements before submission.
Advertised rate — we confirm Emirates NBD's current indicative pricing for your profile, free.
Why move your mortgage to Emirates NBD?
A mortgage buyout (balance transfer) moves your existing home loan to a new bank at better terms. Emirates NBD 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.
Emirates NBD advertised fixed rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | 4.59% · 2-yr fixed | then 1.99% + 1M EIBOR | 2026-10-03 |
| Non-salary transfer | 4.69% · 3-yr fixed | then 1.99% + 1M EIBOR | 2026-10-03 |
| Self-employed | 5.19% · 3-yr fixed | then 1.99% + 1M EIBOR | 2026-10-03 |
| Salary transfer | 4.19% · 2-yr fixed | then 1.99% + 1M EIBOR | 2026-10-03 |
| Salary transfer | 4.29% · 3-yr fixed | then 1.99% + 1M EIBOR | 2026-10-03 |
Advertised rates from Emirates NBD home loan pricing, October 2026 (received 3 October 2026; for applications from 7 October 2026; standard rows; separate Abu Dhabi rows start from 3.99%), 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 NBD’s advertised 4.19% (salary transfer, 2-yr fixed) cuts the payment by roughly AED 650/month — about AED 7,800 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 Emirates NBD: 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 NBD updates
- Emirates NBD reprices home loans from 7 October 2026: 4.19% with salary transfer on standard rows
- Emirates NBD extends May 2026 pricing — PRB tagging, NIL PF restrictions, FTH valuation refund
- Emirates NBD expands off-plan financing — Sobha Realty, Nakheel, Meraas added to developer panel
- Emirates NBD overhauls April mortgage pricing — 5-year fixed discontinued, processing fees return
Emirates NBD buyout FAQs
Do I pay the 4% DLD fee when switching to Emirates NBD?
What buyout rate will Emirates NBD give me?
How long does a buyout to Emirates NBD take?
Is Emirates NBD my best buyout option?
Emirates NBD 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 review relevant lender routes with no client brokerage fee.