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Refinance and Buyout
Paying too much? Switch your mortgage.
We compare your current mortgage against 20+ partner banks and tell you clearly whether switching gives you a better rate, structure or overall deal.
Impossible is NOT an outcome!
A switch that is worth making.
Switching a mortgage has costs as well as savings. We show you the full picture before you decide.
Buyout from Your Current Bank
We arrange the new lender, settle the existing mortgage and manage the transfer.
Equity Release at the Same Time
Release additional cash from your property while switching, where your profile allows it.
Homes and Investment Properties
Refinance the home you live in or a property you let.
The Full Cost Shown
Settlement, valuation, registration and other switching costs shown before you commit.
From your current bank to a better fit.
Three stages. Your specialist tells you where you are, what happens next, and what is needed from you.
Tell us about your current mortgage
A short call about your current mortgage, rate, outstanding balance and property. No documents needed for the first conversation.
Before you share a documentWe compare moving with staying
We compare what you pay now against the options across our bank panel, including the full cost of switching.
You see the full cost before you decideNew offer, settlement and transfer
Your specialist manages the valuation, new offer, settlement of the existing mortgage and transfer - and tells you exactly what is needed from you, and when.
Through to completionHave these ready.
We do the rest. The exact list depends on the bank, your income profile and the transaction. Most buyout applications start with these.
- Passport, plus visa and Emirates ID if you are a UAE resident
- Current mortgage statement
- Recent personal bank statements
- A salary certificate and payslips, if you are salaried
- Trade licence, if you are self-employed
- Title deed
Your specialist confirms exactly what your bank needs before anything is submitted.
20+ banks. One place to compare them.
We track current rates, lending policies and credit appetite across 20+ partner banks, so we know which lenders best fit your profile.
& many more
Bank names and logos belong to their respective owners and are shown only to identify lenders we work with. No endorsement or affiliation is implied.
What clients say when it is over.
Had a great experience working with Sidhu as the mortgage advisor. The entire process was smooth, well managed, and professionally handled from start to finish. He made sure we stayed aligned with the promised timeline and navigated every step efficiently.
I was already finalizing my property when I was introduced to Ahmed Coush. From that moment, the entire journey became a seamless, hassle-free experience leading all the way to the final transfer. He efficiently managed every critical stage, from identifying the best bank rates and securing pre-approval to coordinating the valuation.
Her in depth knowledge on the mortgage process from application till approval and disbursement has made my life easy. She is a great customer service person as well since she kept on coordinating very closely until the job is done.
I would like to thank Karan for his outstanding support with my UAE home mortgage. He was very patient, responsive, and always willing to help with all my questions. His guidance made the entire process easy and transparent.
Before you enquire.
Is refinancing worth it for me?
It depends on what you pay now, what the panel offers and the costs of switching. We work that out with you before you commit.
Can I release equity when I refinance?
Often, depending on the property value and your income. We tell you what your case supports.
What costs are involved in a buyout?
Usually an early settlement fee to your current bank, which the Central Bank caps at 1% of the balance or AED 10,000, whichever is less, plus VAT, and on a fixed rate possibly the bank's actual cost of breaking it. Then valuation and registration fees. We set them out for your case before you decide.
What does it cost to use a broker?
We are upfront about any fees before you commit, so there are no surprises.
Paying too much? Find out in sixty seconds.
Tell us about your current mortgage. A specialist will call you back and tell you whether switching is worth exploring.