Rates & Calculators
Best UAE refinance rate, in one place - switch and save.
Current refinance pricing across every borrower profile — residents, non-residents, employed and self-employed. Switch your existing mortgage and see what you'd save.
Rates by borrower profile
Rates shown are indicative and subject to lender credit assessment. Final pricing depends on loan-to-value, income profile, exit fees from your current lender, and approval. Contact an advisor for a personalized switching illustration.
See what you'd save by switching today.
Enter your current mortgage details. We'll compare against today's lowest available UAE refinance rate to show your potential monthly and lifetime savings.
Indicative only. Excludes exit fees, valuation, and switching costs. Final pricing depends on lender underwriting.
What shapes your switching offer
Outstanding balance
The outstanding balance can decide your possibility of drawing equity
Current LTV
Property revaluation determines your new LTV.
Employment profile
Salaried switchers typically qualify at lower margins than self-employed.
Offers
Banks may offer benefits for switching, as early settlement fees and valuation refunds.
Residency status
Residents access wider lender choice; non-residents face tighter LTV caps.
Fixed vs variable
Re-fix for 1–5 years for certainty, or switch to variable tracking EIBOR.
Existing exit fees
Settle-on-switch fees from your current lender affect the breakeven.
Insurance wrap
Property and life cover are re-priced at switch and affect the true cost.
EIBOR movement
Variable refinance rates track the Emirates Interbank Offered Rate.