FAB and ADIB refund valuation and early-settlement fees on buyout loans (2 July 2026)

First Abu Dhabi Bank (FAB) and ADIB are offering buyout customers a refund of the property valuation fee AND the early settlement fee after successful disbursement of the mortgage — removing the two costs that most often stop people from switching banks.

What’s changed

• Property valuation fee: refunded after successful disbursement of the buyout loan.
• Early settlement fee: refunded — the charge your existing bank levies for leaving (capped by regulation at 1% or AED 10,000, whichever is lower).
• Applies to buyout (balance transfer) loans at both FAB and ADIB.

What it means for borrowers

• The switching math just got better: valuation (AED 2,625–3,150) plus early settlement (up to AED 10,000) are typically the two biggest cash costs of a buyout. Refunded after disbursement, an average switch drops to roughly AED 6–9K in net fees — often recovered within months at a lower rate.
• Competition is now on fees, not just rates: this follows RAKBANK’s 3.99% buyout push, Emirates Islamic’s reversion-margin cut and DIB’s 3.95% no-salary-transfer offer — banks are clearly chasing each other’s mortgage books. If your rate starts with a 4 or 5, this is the strongest switching window this year.
• Note the sequencing: the refunds land after disbursement, so you fund the fees upfront and get them back. We manage the timing so nothing surprises you.

Want the full buyout math for your loan? We’ll compare FAB, ADIB and 15+ other banks — including these refunds — free. Start with our buyout guide or current rates.