- Registered UAE mortgage broker
- Trusted by 5000+ clients
- Serving residents & non-residents
Equity Release in Abu Dhabi
Equity release allows property owners in Abu Dhabi to unlock cash from their property without selling it. This is done by refinancing the existing mortgage or taking a new loan based on the current market value of the property.
With rising property values and changing financial needs, equity release is commonly used for investment, liquidity, or restructuring existing financial commitments.
Prime Rate Hub helps property owners structure equity release solutions through more than 20 UAE banks, ensuring the right balance between loan amount, repayment, and long-term financial position.
Get in Touch
Our advisors will reach out shortly
Eligibility
Check Your Eligibility
Before selecting a property, it is important to understand how much financing you qualify for.
An eligibility assessment helps determine:
Can Expats Get a Mortgage in Abu Dhabi
Expat residents can apply for mortgage financing in Abu Dhabi for the following property types:
- Completed Properties – Apartments and villas available in the secondary resale market.
- Developer Sales & Handover Resales – Newly completed units purchased directly from developers or transferred at handover.
- Final Handover Payments – Financing available to cover the outstanding balance due upon property completion.
Mortgage financing is generally not offered for off-plan properties while construction is still in progress.
Typical financing limits
Mortgage financing for expats is regulated by the UAE Central Bank.
for properties below
Up to
80 %
for UAE nationals
Up to
85 %
This service is designed for
Mortgage Options Available
Equity release in Abu Dhabi can be structured through:
- Cash-out refinancing (buyout + additional loan)
- Top-up loans with the existing bank
- New mortgage against fully owned property
- Conventional and Islamic financing options
The structure depends on property value, existing loan balance, and borrower profile.
Maximum Debt-Burden Ratio
DBR Cap
0%
OF INCOME
Eligibility Criteria
Approval depends on:
Self-employed applicants require additional financial documents.
How the Process Works
The equity release process includes:
Key Considerations for Equity Release
Before proceeding, consider:
Equity release should be structured carefully to avoid over-leveraging.
Why Work With a Mortgage Broker
Equity release requires proper structuring to balance liquidity and long-term affordability.
Prime Rate Hub provides:
Start Your Mortgage Assessment
Understanding your eligibility is the first step before committing to a property purchase.
A structured approach helps avoid delays and improves approval outcomes.
We work with the top banks in UAE
Questions
Frequently Asked
What is equity release in Abu Dhabi
Equity release is a way to access cash from your property by borrowing against its current market value without selling it.
How much equity can I release from my property
The amount depends on the property value and existing loan. Banks typically allow financing up to 80% of the property value for expats and 85% for UAE nationals.
Can I release equity from a fully paid property
Yes, property owners can take a new mortgage against a fully owned property to release cash.
Can I release equity while I still have a mortgage
Yes, this is done through refinancing or a buyout with an additional loan amount.
What can I use the released cash for
Funds can be used for investment, purchasing another property, business purposes, or personal financial needs, subject to bank policy.
Does equity release increase my monthly payments
Yes, releasing additional funds increases the total loan amount and monthly repayment.
How long does equity release take
The process typically takes 2 to 4 weeks depending on valuation, bank approval, and documentation.
Is equity release available for all properties
No, the property must meet bank eligibility criteria, including location, condition, and valuation.