Standard Chartered Mortgage Buyout

Why move your mortgage to Standard Chartered UAE?

A mortgage buyout (balance transfer) moves your existing home loan to a new bank at better terms. Standard Chartered UAE 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.

Standard Chartered UAE advertised fixed rates

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 Standard Chartered UAE’s advertised 4.29% (salary transfer, 3-yr fixed) cuts the payment by roughly AED 571/month — about AED 6,846 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 Standard Chartered UAE: 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 Standard Chartered UAE updates

• Standard Chartered tightens mortgage rate ladder — 3-month up 4 bps, mid-to-long tenors rise 2–6 bps (12 June 2026)
• Standard Chartered updates mortgage rate ladder — 3-month up 10 bps, longer tenors ease (4 June 2026)
• Standard Chartered repositions mortgage range — 4.29% fixed, 75-year maturity, 50% offset

Standard Chartered buyout FAQs

Standard Chartered mortgage overview →  ·  UAE buyout guide →  ·  All verified rates →