Mashreq Mortgage Buyout
Move your existing UAE mortgage to Mashreq 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 Mashreq Bank is one of the lender routes we can assess. Mortg Ease charges no client brokerage fee. Advertised rates below are from Mashreq mortgage pricing promotion, fourth quarter 2026 (received 3 October 2026; runs to 31 December 2026); we reconfirm current indicative pricing and requirements before submission.
Advertised rate — we confirm Mashreq Bank's current indicative 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, floor 4.49% | 2026-10-03 |
| Self-employed | 5.49% · 2-yr fixed | then 2.25% + 3M EIBOR, floor 5.49% | 2026-10-03 |
| Salary transfer | 4.49% · 2-yr fixed | then 1.75% + 3M EIBOR, floor 4.49% | 2026-10-03 |
Advertised rates from Mashreq mortgage pricing promotion, fourth quarter 2026 (received 3 October 2026; runs to 31 December 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 Mashreq Bank’s advertised 4.49% (salary transfer, 2-yr fixed) cuts the payment by roughly AED 409/month — about AED 4,908 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 withdraws premium pricing: one standard grid to 31 December 2026
- Mashreq mortgage pricing extended to 30 September 2026
- 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 →
Same at other banks: RAKBANK → · Sharjah Islamic Bank → · Standard Chartered →
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.