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UAE Mortgage Refinance Savings Calculator

Compare your existing payment with a new rate, include switching costs and see the estimated break-even month.

New: see how a mortgage buyout works — real costs and current 3.99% campaigns →

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

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 our panel to show whether switching saves you money, then handle the whole move.

Refinance comparison · verified September 2026
14 UAE banks compared
We compare headline pricing, reversion margins, fees and approval fit. Your final offer controls.
Indicative refinance model

Will switching your mortgage actually save money?

Enter your current loan details and a realistic new rate. The result includes the estimated early-settlement fee and your other switching costs.

Use the fixed or variable rate you expect to qualify for. Mortgease will confirm live bank pricing.
Estimate valuation, processing, registration, trustee/conveyancing and related costs. The settlement fee is calculated separately.
Estimated monthly savingAED 0Current AED 0 → estimated new AED 0
Estimated early-settlement feeAED 0
Total estimated switching costsAED 0
Break-even point—
Estimated five-year net savingAED 0

Adjust the figures to model your mortgage.

Illustrative only: repayments assume a constant rate and the same remaining term. Actual costs and offers vary by bank, emirate, product and profile. The early-settlement estimate uses the CBUAE maximum of 1% of the outstanding balance or AED 10,000, whichever is lower. Dubai mortgage registration is generally 0.25% of the mortgage value, with additional service charges. Check your Key Facts Statement and final offer. Sources: CBUAE Consumer Protection Standards and Dubai Land Department.

Why arrange it through Mortgease?

  • We compare your current deal against our panel — 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?
Savings depend on your balance, current rate, remaining term, new rate and every switching cost. Use the calculator above for an indicative monthly saving and break-even period, then let us compare actual bank offers.
What does a mortgage buyout cost?
Costs can include the early-settlement fee, valuation, bank processing, mortgage registration, trustee or conveyancing charges and insurance changes. The calculator separates the settlement fee from your estimate of other costs.
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?
A complete bank-to-bank refinance commonly takes about 4–8 weeks once documents are complete, depending on valuation, approvals, liability letters, settlement and registration. Our initial review is separate and can be much faster.

Release equity →  ·  Refinancing guide →  ·  Mortgage calculator →

Know your current rate and balance?

Run the calculator first. Your result will be carried into the advisor request so you do not need to repeat the numbers.

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