ADIB extends its buyout campaign to 30 August — but pre-approval and valuation must both be done by then (21 August 2026)

ADIB has extended its buyout campaign to 30 August 2026. The extension matters less than the condition attached to it: two things have to be finished by that date, not started.

What has to be done by 30 August

• The case must be pre-approved.
• The valuation must be instructed.

Both. A file that is merely submitted, or pre-approved with no valuation instructed, does not qualify. The extension also covers buyout plus equity cases, so releasing equity at the same time as switching does not put the campaign benefit at risk.

Why the wording matters

Pre-approval is usually quick. Valuation is the part that runs on someone else's diary — the valuer has to be instructed, attend, and the bank has to receive the report. Starting a file on the 28th and expecting to make a 30 August cut-off is optimistic. If you were already considering a switch to ADIB, this week is the week, not next.

Is a buyout worth it at all?

A campaign deadline is a reason to move faster, not a reason to move. The arithmetic is unchanged: what you save monthly against the early settlement fee on your current mortgage, the new bank's processing fee, valuation and re-registration at 0.25% of the loan. Our buyout guide works through the break-even, and the ADIB buyout page has the bank's own terms.

If the numbers work, the deadline is worth chasing. If they do not, a deadline does not make them work.