Emirates NBD Mortgage Buyout
Move your existing UAE mortgage to Emirates NBD — verified pricing, real switch costs, and the break-even math. Commission-free.
A buyout moves your existing mortgage to a better deal — and Emirates NBD 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 Emirates NBD's current best 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 | 4.39% · 2-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Non-salary transfer | 4.39% · 3-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Non-salary transfer | 4.69% · 5-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.79% · 3-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.79% · 5-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 3.89% · 2-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 3.99% · 3-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 4.69% · 5-yr fixed | then 1.99% + 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 Emirates NBD’s advertised 3.89% (salary transfer, 2-yr fixed) cuts the payment by roughly AED 888/month — about AED 10,657 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 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 compare all of them for you, free.