Refinance & Buyout in the UAE
On a high rate? Switch your mortgage to a sharper deal — compared across 28 banks, commission-free.
A mortgage buyout (or refinance) moves your existing loan to a new bank — or renegotiates with your current one — to cut your rate, lower your monthly payment, or release equity. With UAE rates having moved, many owners who bought a few years ago are on rates well above today's market. We compare 28 banks to show whether switching saves you money, then handle the whole move.
Refinance · indicative · June 2026
from ~3.75% p.a.
If your current rate starts with a 4 or 5, a switch could cut your payment. We'll confirm your savings — free.
Set the rate to today's market to see your new payment — we confirm your exact saving, free.
Your new monthly payment
AED 8,437/mo
Loan AED 1,600,000
Why arrange it through Mortgease?
- We compare your current deal against 28 UAE banks — and only move you if it genuinely saves.
- Commission-free — the new bank pays us, never you.
- We handle the buyout paperwork, settlement and registration end to end.
- Option to release equity at the same time, if you want cash out.
Frequently asked questions
How much can I save by refinancing?
It depends on your current rate versus today's (~3.75–3.99%). On a AED 2M loan, dropping 1% can save well over AED 1,000 a month. We calculate your exact saving free.
What does a mortgage buyout cost?
Typical costs are an early-settlement fee (capped at 1% or AED 10,000), a new mortgage registration fee and a valuation. We factor these in so the saving is genuine.
Can I refinance with the same bank?
Sometimes — but banks often reserve their best rates for new customers. We compare staying versus switching so you get the strongest option.
How long does refinancing take?
Usually 2–4 weeks once documents are in. We manage the settlement and registration so the transition is smooth.
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