{"id":39818,"date":"2026-09-17T09:21:32","date_gmt":"2026-09-17T05:21:32","guid":{"rendered":"https:\/\/truhauz.com\/?p=39818"},"modified":"2026-09-17T09:21:32","modified_gmt":"2026-09-17T05:21:32","slug":"equity-release-dubai","status":"publish","type":"post","link":"https:\/\/truhauz.com\/fa\/equity-release-dubai\/","title":{"rendered":"Equity Release in Dubai: How to Refinance a Property You Own"},"content":{"rendered":"\n<!-- ============================================================\n  TRUHAUZ.COM \u2014 FINANCING \/ REFINANCE GUIDE\n  Title:    Equity Release in Dubai: How to Refinance a Property You Own\n  Slug:     equity-release-dubai\n  Keywords: equity release dubai, refinance mortgage dubai, remortgage dubai, mortgage buyout dubai\n  ============================================================ -->\n\n<style>\n@import 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a{color:rgba(255,255,255,.9)!important;text-decoration:underline!important}\n.eq-form-wrap{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:14px;overflow:hidden}\n.eq-footer-strip{background:#660033;color:rgba(255,255,255,.8)!important;text-align:center;padding:14px 20px;font-size:.75rem;line-height:1.6}\n.eq-footer-strip a{color:rgba(255,255,255,.8)!important}\n\n\/* RESPONSIVE *\/\n@media(max-width:960px){\n  .eq-area-grid{grid-template-columns:1fr 1fr}\n  .eq-2col{grid-template-columns:1fr;gap:36px}\n  .eq-forecast{grid-template-columns:1fr 1fr}\n  .eq-contact-inner{grid-template-columns:1fr;gap:36px}\n  .eq-cta-in{flex-direction:column;text-align:center}\n  .eq-strip-in{grid-template-columns:repeat(2,1fr)}\n}\n@media(max-width:640px){\n  .eqc{padding:0 16px}\n  .eqs{padding:44px 0}\n  .eq-hero{min-height:auto}\n  .eq-hero-content{padding:48px 16px 56px}\n  .eq-hero h1{font-size:clamp(1.8rem,7.5vw,2.6rem)}\n  .eq-area-grid{grid-template-columns:1fr}\n  .eq-forecast{grid-template-columns:1fr}\n  .eq-strip-in{grid-template-columns:repeat(2,1fr)}\n  .eq-si{padding:15px 8px}\n  .eq-title{font-size:clamp(1.4rem,6vw,1.9rem)}\n  .eq-contact{padding:48px 0}\n}\n@media(max-width:480px){.eqc{padding:0 14px}}\n<\/style>\n<div class=\"eq\">\n\n<!-- \u2550\u2550\u2550 HERO \u2550\u2550\u2550 -->\n<section class=\"eq-hero\">\n  <div class=\"eq-hero-bg\"><\/div>\n  <div class=\"eq-hero-pat\"><\/div>\n  <div class=\"eq-hero-ov\"><\/div>\n  <div class=\"eq-hero-content\">\n    <span class=\"eq-eyebrow\">Financing \u00b7 Owner Guide \u00b7 Updated September 2026<\/span>\n    <h1>Equity Release in Dubai<br><span>How to Refinance a Property You Already Own<\/span><\/h1>\n    <p class=\"eq-hero-sub\">Dubai prices have moved enough that many owners are sitting on equity they cannot spend. Releasing it means taking a new mortgage against a fresh valuation \u2014 inside the same Central Bank ceilings that governed the original purchase. Here is what banks will actually lend, every fee on both sides of the transaction, and the conditions most borrowers do not see coming.<\/p>\n    <div class=\"eq-hero-meta\">\n      <div class=\"eq-hm\">\ud83c\udfe6 <strong>Central Bank LTV Caps Apply<\/strong><\/div>\n      <div class=\"eq-hm\">\ud83d\udcb0 <strong>Completed Property Only<\/strong><\/div>\n      <div class=\"eq-hm\">\ud83d\uddd3\ufe0f <strong>Sources Dated 2025\u20132026<\/strong><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 DATA STRIP \u2550\u2550\u2550 -->\n<div class=\"eq-strip\">\n  <div class=\"eqc\">\n    <div class=\"eq-strip-in\">\n      <div class=\"eq-si\"><span class=\"eq-sv\">1% \/ AED 10k<\/span><span class=\"eq-sl\">Early Settlement Fee Cap, Lower of Two<\/span><\/div>\n      <div class=\"eq-si\"><span class=\"eq-sv\">0.25%<\/span><span class=\"eq-sl\">DLD Fee to Register the New Mortgage<\/span><\/div>\n      <div class=\"eq-si\"><span class=\"eq-sv\">50%<\/span><span class=\"eq-sl\">Maximum Debt Burden Ratio<\/span><\/div>\n      <div class=\"eq-si\"><span class=\"eq-sv\">25 Years<\/span><span class=\"eq-sl\">Maximum Mortgage Term<\/span><\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- \u2550\u2550\u2550 OVERVIEW \u2550\u2550\u2550 -->\n<section class=\"eqs\">\n  <div class=\"eqc\">\n    <div class=\"eq-2col\">\n      <div class=\"eq-body\">\n        <span class=\"eqt\">The Basics<\/span>\n        <h2 class=\"eq-title\">What Equity Release in Dubai Actually Means<\/h2>\n        <p>Equity is the part of your property you own outright \u2014 the gap between what it would sell for today and what you still owe the bank. Equity release is the act of borrowing against that gap without selling. In the UAE the same transaction is sold under several names: <strong>cash-out refinance<\/strong>, <strong>remortgage<\/strong>, <strong>mortgage buyout plus equity<\/strong>, or <strong>loan against property<\/strong>. The mechanics are the same in each case.<\/p>\n        <p>A lender revalues the property, sizes a new mortgage against that valuation, uses part of the new loan to settle whatever is outstanding on the old one, discharges the old charge at the Dubai Land Department, registers its own charge in its place, and releases the remainder to you. You keep the title deed and the property stays in your name \u2014 what changes is the size of the debt secured against it, and who holds it. Our guide to <a href=\"https:\/\/truhauz.com\/title-deed-dubai\/\">the Dubai title deed<\/a> sets out what that registered charge actually attaches to.<\/p>\n        <p>One condition rules out a large share of Dubai owners immediately: the property must be <strong>completed, handed over and registered in your name<\/strong>. A bank is lending against security it could ultimately enforce, and an off-plan unit is not that. Anything bought before completion sits under a separate and much tighter regime, covered in our guide to <a href=\"https:\/\/truhauz.com\/off-plan-mortgage-dubai\/\">off-plan mortgages in Dubai<\/a>. Mortgage Finder notes that some lenders offer a buyout-plus-equity structure at the point of handover \u2014 the earliest an off-plan buyer can reach this product.<\/p>\n        <p>Equity release is not a separate lending regime with its own rules. It sits inside the <strong>same Central Bank ceilings<\/strong> that governed your original purchase \u2014 the loan-to-value caps, the 50% debt burden ratio and the 25-year maximum term \u2014 set out in our guide to <a href=\"https:\/\/truhauz.com\/how-to-get-a-mortgage-in-dubai\/\">how to get a mortgage in Dubai<\/a>. The difference is that the percentage is applied to a <em>fresh<\/em> valuation rather than a historic purchase price, which is precisely why rising values create releasable equity.<\/p>\n        <div class=\"eq-hbox\"><strong>TruHauz perspective:<\/strong> Establish the valuation before anything else, because every other number is derived from it \u2014 our guide to <a href=\"https:\/\/truhauz.com\/property-valuation-dubai\/\">property valuation in Dubai<\/a> covers which one you need. Then price both ends of the move against the sum you would actually receive. Where the property is held for income, test the larger repayment using our guide to <a href=\"https:\/\/truhauz.com\/rental-yield-roi-dubai\/\">calculating rental yield and ROI<\/a>, remembering that <a href=\"https:\/\/truhauz.com\/service-charges-dubai\/\">service charges<\/a> come out of that return before the mortgage does. If the structure must be Shari\u2019ah-compliant, the ceilings bind identically \u2014 see the <a href=\"https:\/\/truhauz.com\/islamic-mortgage-dubai\/\">Islamic mortgage in Dubai<\/a>.<\/div>\n      <\/div>\n      <div>\n        <div class=\"eq-ov\">\n          <div class=\"eq-ov-head\">\n            <h3>Equity Release at a Glance<\/h3>\n            <p>The ceilings and the fees in one place<\/p>\n          <\/div>\n          <div class=\"eq-ov-row\"><span class=\"eq-ov-l\">Also sold as<\/span><span class=\"eq-ov-r burg\">Cash-out refinance<\/span><\/div>\n          <div class=\"eq-ov-row\"><span class=\"eq-ov-l\">Property must be<\/span><span class=\"eq-ov-r\">Completed &amp; titled<\/span><\/div>\n          <div class=\"eq-ov-row\"><span class=\"eq-ov-l\">Applied to<\/span><span class=\"eq-ov-r\">Fresh valuation<\/span><\/div>\n          <div class=\"eq-ov-row\"><span class=\"eq-ov-l\">Expat first home \u2264 AED 5M<\/span><span class=\"eq-ov-r\">80% LTV<\/span><\/div>\n          <div class=\"eq-ov-row\"><span class=\"eq-ov-l\">Expat first home &gt; AED 5M<\/span><span class=\"eq-ov-r\">70% LTV<\/span><\/div>\n          <div class=\"eq-ov-row\"><span class=\"eq-ov-l\">Expat second property<\/span><span class=\"eq-ov-r\">60% LTV<\/span><\/div>\n          <div class=\"eq-ov-row\"><span class=\"eq-ov-l\">UAE national first home<\/span><span class=\"eq-ov-r\">85% LTV<\/span><\/div>\n          <div class=\"eq-ov-row\"><span class=\"eq-ov-l\">Off-plan property<\/span><span class=\"eq-ov-r\">Not eligible<\/span><\/div>\n          <div class=\"eq-ov-row\"><span class=\"eq-ov-l\">Debt burden ratio<\/span><span class=\"eq-ov-r\">50% of income<\/span><\/div>\n          <div class=\"eq-ov-row\"><span class=\"eq-ov-l\">Maximum term<\/span><span class=\"eq-ov-r\">25 years<\/span><\/div>\n          <div class=\"eq-ov-row\"><span class=\"eq-ov-l\">Early settlement fee<\/span><span class=\"eq-ov-r burg\">1% or AED 10,000, lower<\/span><\/div>\n          <div class=\"eq-ov-row\"><span class=\"eq-ov-l\">New mortgage registration<\/span><span class=\"eq-ov-r burg\">0.25% of loan<\/span><\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 COST TABLE \u2550\u2550\u2550 -->\n<section class=\"eqs eqg\">\n  <div class=\"eqc eqct\">\n    <span class=\"eqt\">The Bill<\/span>\n    <h2 class=\"eq-title\">What an Equity Release Actually Costs<\/h2>\n    <p class=\"eq-sub\">A refinance is two transactions billed as one \u2014 closing the old loan and opening the new. Both ends carry fees, and the largest of them scales with how much you draw.<\/p>\n  <\/div>\n  <div class=\"eqc\">\n    <div class=\"eq-table-wrap\">\n      <table class=\"eq-table\">\n        <thead>\n          <tr>\n            <th>Cost<\/th>\n            <th>Amount<\/th>\n            <th>Levied By<\/th>\n            <th>Note<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td>Early settlement fee<\/td>\n            <td>1% of outstanding balance or AED 10,000, whichever is lower<\/td>\n            <td>Your current bank<\/td>\n            <td><span class=\"eq-badge top\">Capped by the Central Bank<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>Mortgage release procedure<\/td>\n            <td>AED 1,290<\/td>\n            <td>Dubai Land Department<\/td>\n            <td><span class=\"eq-badge high\">Discharges the old charge<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>Registrar \u2014 mortgage release<\/td>\n            <td>AED 315<\/td>\n            <td>Dubai Land Department<\/td>\n            <td><span class=\"eq-badge high\">Paid alongside the release<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>New mortgage registration<\/td>\n            <td>0.25% of the new mortgage value<\/td>\n            <td>Dubai Land Department<\/td>\n            <td><span class=\"eq-badge top\">Scales with the amount drawn<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>Property valuation<\/td>\n            <td>AED 2,500\u20133,500<\/td>\n            <td>Appointed valuer<\/td>\n            <td><span class=\"eq-badge mid\">Sets the figure the LTV applies to<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>Bank processing \/ arrangement fee<\/td>\n            <td>0.25\u20131% of the new loan<\/td>\n            <td>New lender<\/td>\n            <td><span class=\"eq-badge mid\">Negotiable in some cases<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>Life cover<\/td>\n            <td>Approximately 0.15\u20130.25% a year of the outstanding balance<\/td>\n            <td>Insurer, via the lender<\/td>\n            <td><span class=\"eq-badge mid\">Recurring, not one-off<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>Title deed issuance<\/td>\n            <td>AED 250<\/td>\n            <td>Dubai Land Department<\/td>\n            <td><span class=\"eq-badge low\">Per deed<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>Knowledge &amp; innovation fees<\/td>\n            <td>AED 10 + AED 10<\/td>\n            <td>Government of Dubai<\/td>\n            <td><span class=\"eq-badge low\">Applies to the service<\/span><\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <p style=\"font-size:.78rem;color:#888;margin-top:14px;line-height:1.6;\">Dubai Land Department fee lines \u2014 the AED 1,290 mortgage release procedure, the AED 315 registrar release, the 0.25% mortgage registration fee, the AED 250 title deed and the AED 10 knowledge and AED 10 innovation fees \u2014 are as published in the DLD fee schedule set out in TruHauz\u2019s <a href=\"https:\/\/truhauz.com\/dld-fees-dubai\/\" style=\"color:#888;text-decoration:underline;\">Dubai DLD fees guide<\/a>, retrieved 24 August 2026. The early settlement cap of 1% or AED 10,000, whichever is lower, was introduced by the Central Bank of the UAE through Decision No. 96\/By Circulation\/2019, amending Appendix 2 of Regulation No. 29\/2011, replacing a 3% fee that had applied since June 2018. Valuation and life cover figures are as reported by dataHabibi, \u201cMortgage in Dubai 2026: Rates &amp; LTV Limits\u201d, published 11 July 2026. The bank processing fee range of 0.25\u20131% is as reported by EGSH, \u201cRemortgage in UAE: How to Refinance Your Dubai Mortgage\u201d, retrieved 17 September 2026; EGSH lists the DLD discharge fee as AED 1,000, which differs from the DLD schedule figures used above \u2014 confirm the current amount with the DLD or a licensed conveyancer before you transact. Bank-side fees are commercial terms, not regulated caps, and vary by lender.<\/p>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 SIX CHECKS \u2550\u2550\u2550 -->\n<section class=\"eqs\">\n  <div class=\"eqc eqct\">\n    <span class=\"eqt\">Due Diligence<\/span>\n    <h2 class=\"eq-title\">Six Checks Before You Release Equity<\/h2>\n    <p class=\"eq-sub\">Each of these has stopped a release that looked straightforward on paper. All six are knowable before you apply.<\/p>\n  <\/div>\n  <div class=\"eqc\">\n    <div class=\"eq-area-grid\">\n\n      <div class=\"eq-area-card\">\n        <div class=\"eq-area-head\">\n          <div class=\"eq-area-name\">Get the Valuation Done First<\/div>\n          <div class=\"eq-area-type\">Check 01 \u00b7 Before Anything<\/div>\n        <\/div>\n        <div class=\"eq-area-body\">\n          <span class=\"eq-area-price\">Value<\/span>\n          <span class=\"eq-area-unit\">the number everything hangs on<\/span>\n          <div class=\"eq-area-row\"><span>Applies to<\/span><span>Bank&#8217;s valuation, not price<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Cost<\/span><span>AED 2,500\u20133,500<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Instructed by<\/span><span>The lender<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Risk<\/span><span>Low valuation shrinks the release<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"eq-area-card\">\n        <div class=\"eq-area-head\">\n          <div class=\"eq-area-name\">Work Out Which LTV Cap Binds<\/div>\n          <div class=\"eq-area-type\">Check 02 \u00b7 The Ceiling<\/div>\n        <\/div>\n        <div class=\"eq-area-body\">\n          <span class=\"eq-area-price\">80%<\/span>\n          <span class=\"eq-area-unit\">expat first home \u2264 aed 5m<\/span>\n          <div class=\"eq-area-row\"><span>Above AED 5M<\/span><span>70%<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Second property<\/span><span>60%<\/span><\/div>\n          <div class=\"eq-area-row\"><span>UAE national<\/span><span>85% \/ 75% \/ 65%<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Off-plan<\/span><span>Not eligible<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"eq-area-card\">\n        <div class=\"eq-area-head\">\n          <div class=\"eq-area-name\">Price the Exit From Your Current Loan<\/div>\n          <div class=\"eq-area-type\">Check 03 \u00b7 Leaving<\/div>\n        <\/div>\n        <div class=\"eq-area-body\">\n          <span class=\"eq-area-price\">1%<\/span>\n          <span class=\"eq-area-unit\">or aed 10,000, whichever is lower<\/span>\n          <div class=\"eq-area-row\"><span>Release procedure<\/span><span>AED 1,290<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Registrar release<\/span><span>AED 315<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Covers<\/span><span>Full and partial repayment<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Ask for<\/span><span>A liability letter<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"eq-area-card\">\n        <div class=\"eq-area-head\">\n          <div class=\"eq-area-name\">Test the Debt Burden Ratio<\/div>\n          <div class=\"eq-area-type\">Check 04 \u00b7 Affordability<\/div>\n        <\/div>\n        <div class=\"eq-area-body\">\n          <span class=\"eq-area-price\">50%<\/span>\n          <span class=\"eq-area-unit\">of monthly income, all debt<\/span>\n          <div class=\"eq-area-row\"><span>Counts<\/span><span>Car, personal, cards<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Often binds<\/span><span>Before the LTV cap does<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Fix<\/span><span>Clear small facilities first<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Basis<\/span><span>Confirm gross or net<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"eq-area-card\">\n        <div class=\"eq-area-head\">\n          <div class=\"eq-area-name\">Ask What You May Spend It On<\/div>\n          <div class=\"eq-area-type\">Check 05 \u00b7 The Condition<\/div>\n        <\/div>\n        <div class=\"eq-area-body\">\n          <span class=\"eq-area-price\">Use<\/span>\n          <span class=\"eq-area-unit\">restricted by the lender<\/span>\n          <div class=\"eq-area-row\"><span>Usually allowed<\/span><span>Renovation, investment<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Usually allowed<\/span><span>Debt consolidation<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Usually refused<\/span><span>Unrestricted personal cash<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Expect<\/span><span>To document the purpose<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"eq-area-card\">\n        <div class=\"eq-area-head\">\n          <div class=\"eq-area-name\">Compare the Reversion, Not the Teaser<\/div>\n          <div class=\"eq-area-type\">Check 06 \u00b7 The Long Run<\/div>\n        <\/div>\n        <div class=\"eq-area-body\">\n          <span class=\"eq-area-price\">EIBOR<\/span>\n          <span class=\"eq-area-unit\">plus the bank&#8217;s margin<\/span>\n          <div class=\"eq-area-row\"><span>Fixed period<\/span><span>Ends \u2014 then reprices<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Margin range<\/span><span>Commonly 1.5\u20133%<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Maximum term<\/span><span>25 years<\/span><\/div>\n          <div class=\"eq-area-row\"><span>Compare<\/span><span>Follow-on margin<\/span><\/div>\n        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 CTA STRIP \u2550\u2550\u2550 -->\n<div class=\"eq-cta-strip\">\n  <div class=\"eqc\">\n    <div class=\"eq-cta-in\">\n      <div>\n        <h3>Want to know what your property would actually release?<\/h3>\n        <p>Send us the unit, the outstanding balance and your income position. TruHauz will map it against the caps before you approach a lender.<\/p>\n      <\/div>\n      <a href=\"https:\/\/truhauz.com\/contact\/\" class=\"eqbtn\">Ask TruHauz \u2192<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- \u2550\u2550\u2550 ANALYSIS \u2550\u2550\u2550 -->\n<section class=\"eqs eqdk\">\n  <div class=\"eqc eqct\">\n    <span style=\"display:inline-block;background:rgba(255,255,255,.15);color:#fff!important;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 15px;border-radius:100px;margin-bottom:16px;\">The Risk<\/span>\n    <h2 class=\"eq-title white\">Three Ways an Equity Release Goes Wrong<\/h2>\n    <p class=\"eq-sub white\" style=\"margin:0 auto 48px;\">None of these are exotic. Each one is a routine feature of UAE mortgage lending that borrowers discover after they have committed rather than before.<\/p>\n  <\/div>\n  <div class=\"eqc\">\n    <div class=\"eq-forecast\">\n      <div class=\"eq-fc\">\n        <span class=\"eq-fc-val\">Valuation<\/span>\n        <h4>The Number Is Not Yours to Choose<\/h4>\n        <p>The loan-to-value percentage is applied to the bank\u2019s own valuation, not to your estimate or to a neighbouring sale. A valuation below expectation shrinks the release directly, and because the outstanding balance is deducted first, a modest shortfall in value can wipe out a large share of the cash you expected.<\/p>\n      <\/div>\n      <div class=\"eq-fc\">\n        <span class=\"eq-fc-val\">50%<\/span>\n        <h4>The Debt Burden Ratio Binds First<\/h4>\n        <p>All monthly debt repayments \u2014 car finance, personal loans, credit card minimums \u2014 are capped at half your monthly income. A bigger mortgage means a bigger repayment, so applicants are routinely limited by affordability well before they reach the loan-to-value ceiling. Clearing a small facility often raises the release more than a higher valuation would.<\/p>\n      <\/div>\n      <div class=\"eq-fc\">\n        <span class=\"eq-fc-val\">Reprice<\/span>\n        <h4>The Rate You Start On Is Not the Rate You Keep<\/h4>\n        <p>Most UAE mortgages revert to EIBOR plus a bank margin when the fixed period ends. dataHabibi put three-month EIBOR at approximately 3.85% in late June 2026, with the Central Bank base rate at 3.65% and reversion margins commonly between 1.5% and 3%. Over a 25-year term the follow-on margin matters far more than the headline fixed rate.<\/p>\n      <\/div>\n    <\/div>\n    <div style=\"background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.15);border-radius:12px;padding:22px 24px;margin-top:32px;font-size:.93rem;color:rgba(255,255,255,.78)!important;line-height:1.75;\">\n      <strong style=\"color:#fff!important;\">Worked illustration \u2014 how much actually reaches you.<\/strong> Inputs: a resident expatriate\u2019s first home, completed and registered, valued by the bank at AED 2,000,000, with AED 700,000 outstanding on the existing mortgage, at the 80% loan-to-value cap. Eighty per cent of AED 2,000,000 is a new loan of AED 1,600,000. Settling the existing AED 700,000 leaves AED 900,000 gross. Now the costs: the early settlement fee is 1% of AED 700,000, which is AED 7,000, and since that is below the AED 10,000 ceiling the lower figure of AED 7,000 applies; the DLD mortgage release procedure is AED 1,290 and the registrar release AED 315; registering the new AED 1,600,000 mortgage at 0.25% costs AED 4,000; the title deed is AED 250 and knowledge and innovation fees add AED 20. That is AED 12,875 before the valuation fee and the bank\u2019s processing fee \u2014 the latter, at 0.25\u20131% of AED 1,600,000, would add a further AED 4,000 to AED 16,000. The release lands at roughly AED 871,000 to AED 883,000 net. <em>This is an illustration built from the stated inputs and the published fee lines cited above, not a quotation. Change the valuation, the outstanding balance or the applicable cap and every figure changes. It assumes the debt burden ratio permits the larger repayment, which must be tested separately.<\/em>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 FAQ \u2550\u2550\u2550 -->\n<section class=\"eqs eqg\">\n  <div class=\"eqc eqct\">\n    <span class=\"eqt\">FAQ<\/span>\n    <h2 class=\"eq-title\">Frequently Asked Questions<\/h2>\n    <p class=\"eq-sub\">The questions Dubai owners ask most often about releasing equity and refinancing.<\/p>\n  <\/div>\n  <div class=\"eqc\">\n    <div class=\"eq-faq-list\">\n      <div class=\"eq-faq-item\">\n        <div class=\"eq-faq-q\" onclick=\"eqFaq(this)\">What is equity release on a Dubai property?<span class=\"eq-faq-icon\">+<\/span><\/div>\n        <div class=\"eq-faq-a\">Equity release is borrowing against the part of your property you already own outright \u2014 the difference between what it is worth today and what you still owe. In the UAE it is also sold as a cash-out refinance or a loan against property. The bank revalues the property, writes a new mortgage sized against that valuation, uses part of it to clear any existing loan, and releases the balance to you as cash. The property stays in your name and a new charge is registered against the title. It is not available on off-plan units: the property must be completed, handed over and registered in your name, because the bank is lending against a title deed it can take security over.<\/div>\n      <\/div>\n      <div class=\"eq-faq-item\">\n        <div class=\"eq-faq-q\" onclick=\"eqFaq(this)\">How much equity can I release from a property in Dubai?<span class=\"eq-faq-icon\">+<\/span><\/div>\n        <div class=\"eq-faq-a\">The ceiling is a loan-to-value cap set by the Central Bank of the UAE, applied to the bank&#8217;s own fresh valuation rather than to what you originally paid. For a resident expatriate&#8217;s first home the cap is 80% of value up to AED 5 million and 70% above it; a second or investment property is capped at 60%. UAE nationals sit at 85%, 75% and 65%. Whatever is outstanding on your current mortgage comes out of that figure first, and only the remainder reaches you. Sources differ on whether cash-out refinancing attracts the standard caps or a tighter one \u2014 EGSH states the standard caps apply to the current appraised value, while Mortgage Finder reports banks typically allowing 75\u201380% for residents \u2014 so confirm the cap your lender applies.<\/div>\n      <\/div>\n      <div class=\"eq-faq-item\">\n        <div class=\"eq-faq-q\" onclick=\"eqFaq(this)\">What does it cost to refinance or release equity in Dubai?<span class=\"eq-faq-icon\">+<\/span><\/div>\n        <div class=\"eq-faq-a\">There are two sides to the bill. Leaving your existing loan costs an early settlement fee capped at 1% of the outstanding balance or AED 10,000, whichever is lower, plus AED 1,290 for the Dubai Land Department mortgage release procedure and AED 315 to the registrar. Setting up the new loan costs 0.25% of the new mortgage value to register it at the DLD, a valuation fee, and a bank processing fee. Because the registration fee is a percentage of the loan, the cost scales with the amount you draw \u2014 which is why a small release is often poor value once the fixed costs are spread across it.<\/div>\n      <\/div>\n      <div class=\"eq-faq-item\">\n        <div class=\"eq-faq-q\" onclick=\"eqFaq(this)\">How long does a mortgage refinance take in Dubai?<span class=\"eq-faq-icon\">+<\/span><\/div>\n        <div class=\"eq-faq-a\">EGSH reports a typical timeline of four to eight weeks for residents and eight to twelve weeks for non-residents, across an eight-step sequence: assessing the existing mortgage, comparing offers, obtaining pre-approval with a valuation, requesting a liability letter from the current bank, settling that loan early, discharging the old mortgage at the Dubai Land Department, registering the new one, and completing at the trustee office. The liability letter and the valuation are the two steps that most often set the pace, so request both early.<\/div>\n      <\/div>\n      <div class=\"eq-faq-item\">\n        <div class=\"eq-faq-q\" onclick=\"eqFaq(this)\">Can I release equity if my property still has a mortgage on it?<span class=\"eq-faq-icon\">+<\/span><\/div>\n        <div class=\"eq-faq-a\">Yes \u2014 that is the most common case, and in the UAE it is usually structured as a buyout plus equity. The new lender settles your existing loan directly, discharges the old charge at the Dubai Land Department, registers its own charge, and releases the surplus to you. You do not need to own the property outright first. What you do need is enough of a gap between the new valuation and the outstanding balance for there to be anything left after the existing debt is cleared, and enough income headroom to service the larger loan inside the debt burden ratio.<\/div>\n      <\/div>\n      <div class=\"eq-faq-item\">\n        <div class=\"eq-faq-q\" onclick=\"eqFaq(this)\">What can the released money be used for?<span class=\"eq-faq-icon\">+<\/span><\/div>\n        <div class=\"eq-faq-a\">This is the condition most borrowers do not expect. Lenders restrict what the funds may be used for rather than handing over unconditional cash. Mortgage Finder reports that the permitted uses are primarily home renovations, further property investment or debt consolidation, and that unrestricted personal cash-outs are usually refused. Expect to be asked what the money is for, and to document it. If the purpose is to buy another property, the bank will also want to know how that second purchase is financed, because it affects your debt burden ratio and may change which loan-to-value cap applies to it.<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<div style=\"max-width:1140px;margin:0 auto;padding:0 20px 44px;\"><div style=\"background:#fdf0f5;border-left:4px solid #660033;padding:16px 20px;border-radius:0 8px 8px 0;font-family:'Inter',sans-serif;font-size:.92rem;line-height:1.75;color:#333;\"><strong>Related reading:<\/strong> The ceilings that govern a release are the same ones that governed the purchase \u2014 they are set out in full in our guide to <a href=\"https:\/\/truhauz.com\/how-to-get-a-mortgage-in-dubai\/\" style=\"color:#660033;font-weight:600;\">how to get a mortgage in Dubai<\/a>. Every Land Department line quoted above is itemised in our guide to <a href=\"https:\/\/truhauz.com\/dld-fees-dubai\/\" style=\"color:#660033;font-weight:600;\">DLD fees in Dubai<\/a>. Where a property that already carries a loan is being sold rather than refinanced, the settlement and release sequence is different \u2014 see <a href=\"https:\/\/truhauz.com\/buying-mortgaged-property-dubai\/\" style=\"color:#660033;font-weight:600;\">buying a mortgaged property in Dubai<\/a>, and the seller\u2019s side in <a href=\"https:\/\/truhauz.com\/how-to-sell-property-in-dubai\/\" style=\"color:#660033;font-weight:600;\">how to sell property in Dubai<\/a>. A Shari\u2019ah-compliant release is structured differently but binds to identical caps \u2014 see the <a href=\"https:\/\/truhauz.com\/islamic-mortgage-dubai\/\" style=\"color:#660033;font-weight:600;\">Islamic mortgage in Dubai<\/a>. Owners releasing equity in order to buy again should note that a second property carries a lower ceiling, and that anything bought before completion falls under <a href=\"https:\/\/truhauz.com\/off-plan-mortgage-dubai\/\" style=\"color:#660033;font-weight:600;\">off-plan mortgage rules<\/a>. Where the aim is property exposure without another purchase and another charge, <a href=\"https:\/\/truhauz.com\/reits-in-dubai\/\" style=\"color:#660033;font-weight:600;\">REITs in Dubai<\/a> are the alternative worth pricing against it. What the enlarged debt does to your real return is covered in <a href=\"https:\/\/truhauz.com\/rental-yield-roi-dubai\/\" style=\"color:#660033;font-weight:600;\">rental yield and ROI on a Dubai property<\/a>, and why the holding cost stays low is explained in <a href=\"https:\/\/truhauz.com\/dubai-property-tax\/\" style=\"color:#660033;font-weight:600;\">Dubai property tax<\/a>.<\/div><\/div>\n\n<div style=\"max-width:1140px;margin:0 auto;padding:0 20px 44px;\"><p style=\"font-size:.78rem;color:#888;line-height:1.7;font-family:'Inter',sans-serif;\">This guide is general information about how equity release and mortgage refinancing work in Dubai, drawn from the sources named and dated throughout. It is not legal, tax or financial advice, and it is not an offer of credit. Regulatory caps, Land Department fees and lender criteria change, and individual bank policy is stricter than the regulatory ceiling in most cases. Confirm current figures and your own eligibility with a licensed lender, a licensed conveyancer or the Dubai Land Department before acting.<\/p><\/div>\n\n<!-- \u2550\u2550\u2550 CONTACT \u2550\u2550\u2550 -->\n<section class=\"eq-contact\" id=\"eq-contact\">\n  <div class=\"eqc\">\n    <div class=\"eq-contact-inner\">\n      <div>\n        <span style=\"display:inline-block;background:rgba(255,255,255,.15);color:#fff!important;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 15px;border-radius:100px;margin-bottom:18px;\">Talk to TruHauz<\/span>\n        <h2 style=\"font-family:'Playfair Display',serif;font-size:clamp(1.5rem,4vw,2.1rem);color:#fff!important;margin-bottom:10px;line-height:1.2;\">Find Out What Your Equity Is Worth<\/h2>\n        <p style=\"color:rgba(255,255,255,.72)!important;font-size:.93rem;line-height:1.75;margin-bottom:24px;\">TruHauz maps the valuation, the applicable cap and the full cost of both ends of a refinance before you approach a lender \u2014 so the number you plan around is the number you receive. Tell us what you own.<\/p>\n        <div class=\"eq-ci\"><span>\ud83d\udcde<\/span><span class=\"eq-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Phone \/ WhatsApp<\/strong><a href=\"tel:+971529715488\">+971 52 971 5488<\/a><\/span><\/div>\n        <div class=\"eq-ci\"><span>\ud83d\udce7<\/span><span class=\"eq-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Email<\/strong><a href=\"mailto:info@truhauz.com\">info@truhauz.com<\/a><\/span><\/div>\n        <div class=\"eq-ci\"><span>\ud83c\udfe2<\/span><span class=\"eq-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">RERA Licensed<\/strong><span>60838 \u2014 Dubai, UAE<\/span><\/span><\/div>\n        <div style=\"margin-top:24px;\"><a href=\"https:\/\/truhauz.com\/contact\/\" class=\"eqbg\">Get in Touch \u2192<\/a><\/div>\n      <\/div>\n      <div class=\"eq-form-wrap\">\n        <iframe aria-label=\"Contact Us\" frameborder=\"0\" style=\"height:520px;width:100%;border:none;display:block;\" src=\"https:\/\/forms.zohopublic.com\/elchintru1\/form\/ContactUs\/formperma\/_DensyNXfgDItjE-TsZ92uQERcSIhTnizr-QPf3wrBk\"><\/iframe>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<div class=\"eq-footer-strip\">\n  \u00a9 2026 TruHauz Real Estate \u00b7 RERA Reg. 60838 \u00b7 Dubai, UAE<br>\n  <a href=\"https:\/\/truhauz.com\/buy\/\">Buy<\/a> \u00b7 <a href=\"https:\/\/truhauz.com\/status\/off-plan\/\">Off Plan<\/a> \u00b7 <a href=\"https:\/\/truhauz.com\/golden-visa\/\">Golden Visa<\/a> \u00b7 <a href=\"https:\/\/truhauz.com\/mortgage-guide\/\">Mortgage Guide<\/a>\n<\/div>\n\n<\/div><!-- end .eq -->\n\n<script>\nfunction eqFaq(el){{var item=el.parentElement;var wasOpen=item.classList.contains('eq-open');document.querySelectorAll('.eq-faq-item.eq-open').forEach(function(i){{i.classList.remove('eq-open');}});if(!wasOpen)item.classList.add('eq-open');}}\n(function(){{function init(){{var w=document.querySelector('.eq');if(!w)return;var e=w.parentElement;while(e&&e!==document.documentElement){{e.style.setProperty('padding-left','0px','important');e.style.setProperty('padding-right','0px','important');e.style.setProperty('padding-top','0px','important');e.style.setProperty('overflow','visible','important');e.style.setProperty('max-width','none','important');e=e.parentElement;}}['.post-header-wrap','.post-thumbnail-wrap'].forEach(function(s){{var el=document.querySelector(s);if(el)el.style.setProperty('display','none','important');}});document.body.style.setProperty('overflow-x','hidden','important');}}document.readyState==='loading'?document.addEventListener('DOMContentLoaded',init):init();}})();\n<\/script>\n\n\n<script type=\"application\/ld+json\">{\n \"@context\": \"https:\/\/schema.org\",\n \"@type\": \"FAQPage\",\n \"@id\": \"https:\/\/truhauz.com\/equity-release-dubai\/#faq\",\n \"url\": \"https:\/\/truhauz.com\/equity-release-dubai\/\",\n \"mainEntity\": [\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What is equity release on a Dubai property?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"Equity release is borrowing against the part of your property you already own outright \u2014 the difference between what it is worth today and what you still owe. In the UAE it is also sold as a cash-out refinance or a loan against property. The bank revalues the property, writes a new mortgage sized against that valuation, uses part of it to clear any existing loan, and releases the balance to you as cash. The property stays in your name and a new charge is registered against the title. It is not available on off-plan units: the property must be completed, handed over and registered in your name, because the bank is lending against a title deed it can take security over.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"How much equity can I release from a property in Dubai?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"The ceiling is a loan-to-value cap set by the Central Bank of the UAE, applied to the bank's own fresh valuation rather than to what you originally paid. For a resident expatriate's first home the cap is 80% of value up to AED 5 million and 70% above it; a second or investment property is capped at 60%. UAE nationals sit at 85%, 75% and 65%. Whatever is outstanding on your current mortgage comes out of that figure first, and only the remainder reaches you. Sources differ on whether cash-out refinancing attracts the standard caps or a tighter one \u2014 EGSH states the standard caps apply to the current appraised value, while Mortgage Finder reports banks typically allowing 75\u201380% for residents \u2014 so confirm the cap your lender applies.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What does it cost to refinance or release equity in Dubai?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"There are two sides to the bill. Leaving your existing loan costs an early settlement fee capped at 1% of the outstanding balance or AED 10,000, whichever is lower, plus AED 1,290 for the Dubai Land Department mortgage release procedure and AED 315 to the registrar. Setting up the new loan costs 0.25% of the new mortgage value to register it at the DLD, a valuation fee, and a bank processing fee. Because the registration fee is a percentage of the loan, the cost scales with the amount you draw \u2014 which is why a small release is often poor value once the fixed costs are spread across it.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"How long does a mortgage refinance take in Dubai?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"EGSH reports a typical timeline of four to eight weeks for residents and eight to twelve weeks for non-residents, across an eight-step sequence: assessing the existing mortgage, comparing offers, obtaining pre-approval with a valuation, requesting a liability letter from the current bank, settling that loan early, discharging the old mortgage at the Dubai Land Department, registering the new one, and completing at the trustee office. The liability letter and the valuation are the two steps that most often set the pace, so request both early.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Can I release equity if my property still has a mortgage on it?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"Yes \u2014 that is the most common case, and in the UAE it is usually structured as a buyout plus equity. The new lender settles your existing loan directly, discharges the old charge at the Dubai Land Department, registers its own charge, and releases the surplus to you. You do not need to own the property outright first. What you do need is enough of a gap between the new valuation and the outstanding balance for there to be anything left after the existing debt is cleared, and enough income headroom to service the larger loan inside the debt burden ratio.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What can the released money be used for?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"This is the condition most borrowers do not expect. Lenders restrict what the funds may be used for rather than handing over unconditional cash. Mortgage Finder reports that the permitted uses are primarily home renovations, further property investment or debt consolidation, and that unrestricted personal cash-outs are usually refused. Expect to be asked what the money is for, and to document it. If the purpose is to buy another property, the bank will also want to know how that second purchase is financed, because it affects your debt burden ratio and may change which loan-to-value cap applies to it.\"\n   }\n  }\n ]\n}<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>Equity release in Dubai explained \u2014 how cash-out refinancing and mortgage buyouts work, the Central Bank LTV caps that limit them, every DLD and bank fee involved, and what lenders let you spend the money on.<\/p>","protected":false},"author":12,"featured_media":34713,"comment_status":"open","ping_status":"0","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[5],"tags":[],"class_list":["post-39818","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dubai-real-estate-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.5 (Yoast SEO v28.5) - 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