How much equity can I release with a buyout?

The amount depends on your property's current market value, your outstanding mortgage balance, your income and the bank's financing criteria. We calculate your available equity across all the banks before you commit.

Can I switch banks before my fixed-rate period ends?

Yes. Some banks charge an early settlement fee, capped at 1% of the outstanding balance or AED 10,000, whichever is lower. Our advisors calculate whether switching is financially beneficial after that cost.

Will I need a new property valuation?

Yes. Most banks require an updated valuation before approving the buyout and equity release. The valuation fee is typically AED 2,625-3,150, and some campaigns refund it.

Buyout + Equity Mortgage

Q: How long does a buyout with equity take?

Most buyout transactions complete within 2-6 weeks, depending on documentation, bank processing and land-department requirements.

Switch your mortgage to a better rate and unlock cash from your property — in one transaction, compared across all the UAE banks.

Which service do I need? Switching banks for a better rate → Buyout · Switching and taking cash out → Buyout + Equity (this page) · Unlocking cash or refinancing with your own bank → Equity / Refinance · Buying a home → Primary Purchase

Looking to reduce your monthly payments while accessing the equity built up in your property? With a Buyout + Equity Mortgage, you transfer your existing home loan to a bank with a better interest rate and release additional funds against your property's value — all in one seamless transaction. Mortgease compares solutions from all the leading UAE banks to secure competitive rates, maximise your eligible financing and simplify the process.

What is a Buyout + Equity Mortgage?

It lets you:

Transfer your existing mortgage to another bank at a more competitive rate
Borrow additional funds against the available equity in your property
Combine both into a single mortgage
Lower your monthly repayments while improving your cash flow

The released equity can be used for almost any legitimate financial purpose, subject to the bank's approval. Because the property doesn't change hands, the 4% DLD transfer fee doesn't apply — see the full cost picture on our mortgage buyout page.

Benefits

Lower interest rates — save by switching to a more competitive mortgage
Access additional cash — unlock the value built up in your property
Single loan structure — one mortgage instead of multiple loans
Reduced monthly payments — depending on your new rate and tenure
Flexible repayment options — choose a tenure that suits your goals
Expert guidance — we manage the entire process end to end

Common uses for released equity

Home renovation or extension
Investing in another property
Business expansion
Education expenses
Debt consolidation
Personal financial planning & major life events

See what you could save and release We'll compare live buyout offers across all the banks and show your available equity. Free.

Get my assessment

How the process works

Free mortgage assessment — we review your existing mortgage, outstanding balance and available equity.
Compare bank offers — across all the leading UAE banks.
Mortgage approval — for both the transfer and the equity release.
Property valuation — the new bank arranges an independent valuation.
Mortgage buyout — the new bank settles your loan with your existing bank.
Equity release — once transferred, the approved equity is released to you, subject to bank policy.

Who can apply?

UAE residents and nationals, expatriates, salaried professionals, self-employed individuals and property investors. Eligibility depends on the bank's lending policy, your income, property valuation and outstanding mortgage balance. Check your debt burden ratio →

Documents required

Passport copy, Emirates ID, UAE visa (if applicable)
Salary certificate or proof of income; recent salary slips
Last 6 months' bank statements
Existing mortgage statement
Title deed
Property valuation (arranged by the bank)
Trade licence & company documents (self-employed applicants)

Full document checklist → · How the follow-on rate works →

Buyout + Equity FAQs

How much equity can I release?

It depends on your property's market value, outstanding mortgage balance, income and the bank's criteria. We calculate your available equity across all the banks first.

Can I switch before my fixed-rate ends?

Yes. Some banks charge an early settlement fee (capped at 1% or AED 10,000, whichever is lower). We calculate whether switching still saves you money after that.

Will I need a new valuation?

Yes — most banks require an updated valuation before approving the buyout and equity release. Some campaigns refund the fee.

How long does it take?

Most complete within 2–6 weeks, depending on documentation, bank processing and land-department requirements.