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Equity Release in Abu Dhabi

Equity release in Abu Dhabi is the process of generating cash out of your property without having to sell it by refinancing the mortgage that you took earlier or making use of a new mortgage based on the market value of your property.

The increasing property values and evolving financial requirements make equity release a good option for investments or liquidity, or even for restructuring your financial obligations.

At Prime Rate Hub, we assist property owners in generating equity release solutions through over 20 banks in the UAE, with respect to the proper balance of the loan, repayment, and overall financial health.

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Eligibility

Check Your Eligibility

It is very important to know the amount of finance that you can get before choosing your property.

An eligibility check will help you find out:

Loan Amount

Expected down payment

Banks Suitable For You

Check Your Eligibility

Mortgage Facilities for Expat Individuals in Abu Dhabi

Expats in Abu Dhabi are eligible for mortgage financing for the following types of properties:
  • Completed properties: Apartments/villas, which have been developed and put up for sale in the second-hand market.
  • Developer Sale & Handover Resale: These refer to properties which have been completed and are being sold to buyers either through developers or at the time of handover.
  • Final Handover Installments: Facilities can be taken for making payment of the remaining amount at the time of handover of the property.

Facilities cannot be availed for off-plan properties, where the project is still under construction.

Typical financing limits

Mortgage financing for expats is regulated by the UAE Central Bank.

for uae residents

Up to

80 %

for UAE nationals

Up to

85 %

This service is designed for

Property owners with an existing mortgage

Owners of fully paid
properties

Clients looking to access
liquidity

Investors planning additional property purchases

Clients restructuring liabilities or financial commitments

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: Up to 50% of Income

Eligibility Criteria

Approval depends on:

Property market value and location

Existing mortgage balance (if applicable)

 Borrower income and liabilities

Debt Burden Ratio (DBR) up to 50%

Employment or business profile

Self-employed applicants require additional financial documents.

How the Process Works

The equity release process includes:

Step 1

 Property and loan assessment

Step 2

Property valuation

Step 3

 Bank comparison and structuring

Step 4

Release of additional funds

Step 5

Mortgage registration

Important Factors for Equity Release

Before moving ahead, you must take into account:

Total loan position post-cash extraction

Effect on monthly payments

Interest scheme (fixed or variable)

Property valuation effect on equity position

Early settlement charges (if refinancing)

Financial planning for the future

Equity release must be properly planned not to fall into excessive leveraging.

Reasons to Work With a Mortgage Broker

Equity release must be carefully planned in order to ensure liquidity versus affordability.

Prime Rate Hub can offer you:

Access to 25+ UAE banks

Structuring of cash-out solutions based on profile

Clear comparison between bank offers

Coordination of valuation and approvals

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.

Questions

Frequently Asked Questions (FAQs)

It refers to releasing money from your home by borrowing against the market value of your home without selling it.

This is based on the market value of the property and the current existing loan. The banks finance up to 80% of the property value for expatriates and 85% for the nationals of UAE.

Yes, homeowners can take a new mortgage against their fully owned property.

Yes, this is through refinancing and a buyout with an extra loan amount.

Funds can be invested, used to buy another property, business or any other purpose as per the bank policy.

Yes, it will, because releasing more funds means an increase in the total loan amount.

It will take two to four weeks, as per valuation, approval from the bank and documentation.

No, the property must meet bank eligibility criteria, including location, condition, and valuation.