Refinance Mortgage Loan

Remortgage your current home with us and reduce your monthly payments or release equity

With our attractive Refinance Mortgage Loan rates, you could lower mortgage repayments or take advantage of extra funds through releasing equity

  • LTV up to 80% for UAE nationals

    Up to 75% for Expatriate 

  • Flexible repayment terms

    Up to 25 years

  • High loan amounts

    Up to AED 20 million

  • Interest rate from 2.94% p.a. on new loans

    Fixed for 12 months. Thereafter the rate moves to a variable interest rate structure which currently is our Mortgage Base Rate plus applicable margin.

  • Re-finance on completed properties in Abu Dhabi and Dubai

    For UAE nationals and Expatriate who have mortgages with other UAE banks

  • Flexible repayment options

    From your salary or rental income

Enter the amounts and the interest rate

Representative example

Mortgage amount:


Monthly repayment:


Total payments:


Tools & Calculators

IBAN Generator & Instalment Calculators

Required documents

  • Liability letter
  • Bank statement
  • Property title deed
  • Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)
  • Salary transfer letter or salary certificate in case of buyout from another bank / business ownership documents if self employed

Fees and charges

Processing Fee    1% of approved loan amount (min. AED 5,000)
Life Insurance   0.0365% per month on outstanding loan balance on standard cases
Property Insurance 0.05% p.a. on sum assured
Property Evaluation Fee Between AED 3,000 to AED 8,000
Property Management Fees 4% of rental amount
Late Payment Fee 2% of the delayed amount (min. AED 50, max AED 200)
Loan Rescheduling Fee AED 3,000
Early Settlement Fees 1% of the amount prepaid/outstanding (Or in case of Buyout a maximum of AED 10,000)
Mortgage Base: Applicable Mortgage Base Rate (MBR)

Discover products to suit you

A range of cards, accounts and exclusive services designed to help you get more for your money.

* Promotional offer valid for a limited period. Terms and conditions apply. All rates quoted are p.a. on reducing loan balance.

Ways to Apply

Visit a Branch

Talk to our experts about your banking needs

Phone Us

Lines Open 24/7

UAE Helpline

600 52 5500

International Helpline

+971 2 6811511

Email Us

We'll answer your query as soon as possible