Equity Release & Cash-Out Refinancing in the UAE
Release the equity locked in your UAE property — access cash for investment, renovation, or other purposes at competitive rates.
Equity release in the UAE — also known as cash-out refinancing — allows property owners to borrow against the value of their existing property and receive a lump sum. UAE banks typically allow equity release up to 65% LTV for expats and UAE nationals on residential properties. The released equity can be used for any purpose: property renovation, business investment, purchasing additional assets, or consolidating higher-interest debt. Mortigo specialises in structuring UAE equity release transactions and compares offers from 15+ lenders to find you the best rate and terms.
Key Facts
| Maximum LTV for equity release | 65% of current value |
| Minimum property value | AED 750,000 |
| Best equity release rate | From 3.49% fixed |
| Processing time | 4–8 weeks typically |
| Maximum loan amount | Subject to income and LTV |
| Eligible property types | Freehold residential |
Key Points
- UAE equity release is capped at 65% LTV — the difference between this and your current mortgage balance is your maximum release.
- Released equity is paid as a lump sum and can be used for any lawful purpose.
- ADCB, FAB, and Emirates NBD are the most competitive lenders for cash-out refinancing in the UAE.
- No UAE income tax — released equity is typically more tax-efficient than in many Western countries.
- Existing mortgage holders must discharge or transfer their existing mortgage as part of the equity release process.
- Mortigo models your exact equity position and calculates the optimal lender and structure for your release.
Frequently Asked Questions
How much equity can I release from my UAE property?
Most UAE banks allow you to borrow up to 65% of your property's current market value. Subtract your outstanding mortgage balance from 65% of the property value to estimate your maximum release amount.
What can I use the released equity for?
Equity release funds can be used for any purpose: home renovation, purchasing another property, business investment, education, or debt consolidation. Banks typically do not restrict the use of funds.
How long does UAE equity release take?
From application to funds receipt typically takes 4-8 weeks. This includes property valuation (1-2 weeks), credit assessment (1-2 weeks), and legal/registration completion (1-2 weeks). Mortigo can significantly accelerate this timeline.
Is equity release the same as refinancing in the UAE?
Cash-out refinancing in the UAE effectively achieves equity release — you replace your existing mortgage with a new, larger mortgage and receive the difference in cash. Mortigo handles the full process, including discharging your current lender.
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Overview
Equity release in the UAE — also known as cash-out refinancing — allows property owners to borrow against the value of their existing property and receive a lump sum. UAE banks typically allow equity release up to 65% LTV for expats and UAE nationals on residential properties. The released equity can be used for any purpose: property renovation, business investment, purchasing additional assets, or consolidating higher-interest debt. Mortigo specialises in structuring UAE equity release transactions and compares offers from 15+ lenders to find you the best rate and terms.
Key Points
Frequently Asked Questions
How much equity can I release from my UAE property?
Most UAE banks allow you to borrow up to 65% of your property's current market value. Subtract your outstanding mortgage balance from 65% of the property value to estimate your maximum release amount.
What can I use the released equity for?
Equity release funds can be used for any purpose: home renovation, purchasing another property, business investment, education, or debt consolidation. Banks typically do not restrict the use of funds.
How long does UAE equity release take?
From application to funds receipt typically takes 4-8 weeks. This includes property valuation (1-2 weeks), credit assessment (1-2 weeks), and legal/registration completion (1-2 weeks). Mortigo can significantly accelerate this timeline.
Is equity release the same as refinancing in the UAE?
Cash-out refinancing in the UAE effectively achieves equity release — you replace your existing mortgage with a new, larger mortgage and receive the difference in cash. Mortigo handles the full process, including discharging your current lender.
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