Mashreq Mortgage Buyout
Move your existing UAE mortgage to Mashreq Bank — verified pricing, real switch costs, and the break-even math. Commission-free.
A buyout moves your existing mortgage to a better deal — and Mashreq Bank 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 Mashreq Bank's current best pricing for your profile, free.
Why move your mortgage to Mashreq Bank?
A mortgage buyout (balance transfer) moves your existing home loan to a new bank at better terms. Mashreq Bank 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.
Mashreq Bank advertised fixed rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | 4.49% · 2-yr fixed | then 1.75% + 3M EIBOR | 2026-07-12 |
| Self-employed | 5.49% · 2-yr fixed | then 1.75% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 3.99% · 2-yr fixed | then 1.75% + 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 Mashreq Bank’s advertised 3.99% (salary transfer, 2-yr fixed) cuts the payment by roughly AED 809/month — about AED 9,711 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 Mashreq 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 Mashreq Bank updates
- Mashreq eases high-risk-segment LTV caps — 70% reinstated for key sectors, 60% for the rest
- Mashreq revises mortgage policy — min income, property caps, non-resident buyout to 50% LTV (14 July 2026)
- Mashreq raises standard fixed pricing to 4.49% and moves the premium bar to AED 50K salary (10 July 2026)
Mashreq buyout FAQs
Do I pay the 4% DLD fee when switching to Mashreq Bank?
What buyout rate will Mashreq Bank give me?
How long does a buyout to Mashreq Bank take?
Is Mashreq Bank my best buyout option?
Mashreq 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.