Equity release on UAE property
If a property you own has appreciated or is owned outright, equity release converts part of that value into cash without selling. The lender re-values the asset, sets a new facility against it and pays out the difference between the new loan and any existing balance.
Banks look at the purpose of the funds as closely as the numbers. Business investment, a further property purchase, education or consolidating higher-cost debt are readily accepted; speculative use is not. Loan-to-value on a cash-out is typically tighter than on a purchase, and affordability must still clear the 50% debt-burden ceiling.
For investors, this is often the cheapest capital available in the UAE, secured, long-dated and priced far below unsecured borrowing. The discipline is making sure the deployment earns more than the facility costs.
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What we need to get you an answer
- Title deed and current valuation
- Existing mortgage liability letter, if any
- Income documents and bank statements
- Stated purpose and supporting evidence for the funds
From 3.75% p.a.
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Indicative subject to eligibility
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Indicative figures only. Final rates and approvals are subject to bank assessment, eligibility and UAE Central Bank guidelines.
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Equity release, common questions
Can I release equity from my Dubai property?
Yes. UAE banks offer cash-out refinance against owned or mortgaged property, commonly up to around 70% of current value subject to affordability and a declared use of funds.
What can the released funds be used for?
Typically business investment, further property purchases, education or debt consolidation. Lenders ask for the purpose and may request supporting evidence.