Standard Chartered Mortgage Buyout
Move your existing UAE mortgage to Standard Chartered UAE — 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 Standard Chartered UAE is one of the lender routes we can assess. Mortg Ease charges no client brokerage fee. Standard Chartered was not in the 21 September 2026 pricing file; we reconfirm current indicative pricing and requirements before submission.
Advertised rate — we confirm Standard Chartered UAE's current indicative pricing for your profile, free.
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
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | Not in the 21 September 2026 pricing file | — | — |
| Self-employed | Not in the 21 September 2026 pricing file | — | — |
| Salary transfer | Not in the 21 September 2026 pricing file | — | — |
Standard Chartered is on our panel but was not in the bank pricing file we received on 21 September 2026. The only figure we hold for it is 4.29% from the 19 August 2026 set, which we have not reconfirmed, so it is left out of the rate comparisons on this site until the bank confirms its current pricing.
Advertised rates from the bank pricing file we received on 21 September 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 Standard Chartered UAE’s 4.29% (the 19 August 2026 figure, not reconfirmed, salary transfer, 3-yr fixed) cuts the payment by roughly AED 571/month, about AED 6,852 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
Do I pay the 4% DLD fee when switching to Standard Chartered UAE?
What buyout rate will Standard Chartered UAE give me?
How long does a buyout to Standard Chartered UAE take?
Is Standard Chartered UAE my best buyout option?
Standard Chartered mortgage overview → · UAE buyout guide → · All verified rates →
Same at other banks: United Arab Bank → · ADIB → · Ajman Bank →
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.