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Equity Release UAE

Equity release enables property owners in the UAE to raise cash through their properties without selling them by refinancing the existing property or arranging a mortgage depending on the market value of the property.

Many property owners have locked a lot of equity in their real estate assets. Rather than letting that money lie there, equity release provides the chance to access the money for use in investment and any other purpose.

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Equity release is the process of borrowing against the value of an existing property.

What is Equity Release

If a property has increased in value or if the current loan balance is low, the bank may allow the owner to:

This usually applies to:

 Refinance the existing mortgage

Increase the Mortgage loan amount

Release the difference as cash

Check Your Eligibility

How Much Can You Borrow

Loan amounts depend on:

for uae residents

Up to

80 %

for UAE nationals

Up to

85 %

Eligibility to Apply

Equity release is for:
  • UAE residents (employed and self-employed)
  • UAE citizens
  • Chosen property owners who are not residents (based on bank)

Eligibility is determined by income, liability, and property requirements.

Maximum Debt-Burden Ratio

DBR Cap: Up to 50% of Income

Key Requirements

Banks typically require:

 Title deed

Existing mortgage details (if applicable)

Property valuation

 Income and employment documents

Bank statements

The property must also be in an approved location and eligible for mortgage.

Common Scenarios

The equity release process includes:

Scenario 1

Buyer Paid 50%

Scenario 2

Buyer Needs Cash Flexibility

Scenario 3

 Investor at Handover

Risks and Considerations

Equity release financing depends on:

Property valuation vs purchase price

Bank approval criteria

Timing of handover

Developer coordination

If valuation is lower than expected, the buyer may need to cover the difference.

Why Use a Mortgage Broker

For final payment mortgages, coordination needs to be done between:

Prime Rate Hub offers:

Access to 20+ UAE banks

Arrangement of final payment solutions

Coordination between developers and banks

Help from eligibility to transfer

Start Your Mortgage Assessment

If you own property in the UAE and want to access cash without selling, equity release can provide a structured solution.

Check your eligibility and property value before making financial decisions.

Questions

FAQs on UAE Equity Release

Equity release is the process whereby property owners borrow against the value of the property to gain access to cash without having to sell the property.

Yes, provided there is a property valuation, income qualification and approval by the bank.

That will depend on the value of the property, the existing loan balance, and the loan-to-value ratio allowed by the bank.

Yes, most of the time, equity withdrawal is done through refinancing.

Yes, some people use equity withdrawal as a down payment for buying another property.

There are banks that allow this.

Yes, because the loan amount is increased, it follows that the monthly payment will be increased too.

It usually takes about 3-6 weeks.