Dubai Mortgage Refinance Calculator
See what switching rate saves you monthly and over the remaining term, net of the fees involved in moving lender.
UAE early settlement fees are capped at 1% of the outstanding balance or AED 10,000, whichever is lower. New mortgage registration is 0.25% of the loan plus admin. Some lenders waive valuation and processing fees on a buyout — ask.
What you need to know
Refinancing in the UAE is usually called a buyout, and it is common because many buyers take a fixed rate for two or three years and then roll onto a higher variable rate. If you did that a few years ago, the rate you are paying now may be well above what is currently available.
The saving is straightforward to compute, but two fees decide whether it is worth doing. Early settlement is capped at 1% of the outstanding balance or AED 10,000, whichever is lower — a useful consumer protection. The new lender then charges 0.25% mortgage registration.
The number to watch is the break-even: how many months of saving it takes to recover those fees. Under twelve months and it is almost always worth doing. Beyond twenty-four, look carefully at whether you will still hold the property long enough to benefit.
Common questions
What is the early settlement fee in the UAE?
Capped at 1% of the outstanding balance or AED 10,000, whichever is lower.
Is refinancing worth it in Dubai?
Usually yes if the rate difference is above roughly 0.75% and you will hold the property beyond the break-even point.
Can I refinance and release equity?
Yes, subject to LTV limits. Releasing equity increases your loan and monthly payment, so weigh it against the purpose of the cash.
More tools in financing
Mortgage Affordability Calculator
UAE lenders cap repayments at 50% of income and require 20–35% down. Work out the property price that actually clears both tests.
Down Payment Calculator
Work out the total cash you need on day one — deposit, DLD fee, agency commission and trustee charges.
Mortgage vs Cash Calculator
Compare the total cost of financing against paying cash, and see what your deposit would need to earn elsewhere to justify the loan.
Want these numbers checked against a real property?
Send us the unit you are looking at and we will run the actual figures — service charge for that building, current market rent, and what comparable units transacted at.