Residential
Remortgage
A placeholder page for moving an existing loan to stronger terms.
When to remortgage in the UAE. If your fixed rate has expired (or is within 6 months of expiring), if you're paying more than 0.5% above current market, or if your property has appreciated and you can drop into a lower LTV band — you're a remortgage candidate.
The break-even math we run on every file. UAE Central Bank caps early settlement at 1% of outstanding balance or AED 10,000 (whichever is lower). Add Land Department release-and-re-registration (0.25% + AED 290), a new valuation (AED 2,500–3,500), and any insurance re-wrap. We model the break-even in months, and only recommend the switch when the math is clean.
What a remortgage typically saves. On a AED 1.5M outstanding balance, dropping from 4.50% to 3.74% saves roughly AED 11,400 in year one alone — before compounding. Over a 5-year fix, lifetime savings on an average file run AED 60K to AED 200K.