Mortgage Refinance in Dubai, Sharjah, and Abu Dhabi
Are You Happy With Your Current Rate
You could be paying too much every single month.
Finnequity compares refinance offers from 8 or more UAE banks and calculates your exact monthly saving before you commit to anything. Free. No paperwork required at this stage.
Mortgage Refinance in Dubai, Sharjah, and Abu Dhabi
Is your mortgage rate above 4.75%?
You could be paying too much every single month.
Rates have fallen significantly since 2023. If you have not reviewed your mortgage in the last 12 months, there is a real chance a better deal exists for you right now.
Finnequity compares refinance offers from 8 or more UAE banks and calculates your exact monthly saving before you commit to anything. Free. No paperwork required at this stage.
Should You Refinance Your Mortgage?
Refinancing can help reduce borrowing costs, improve cash flow, release equity, or provide access to more suitable financing terms.
However, refinancing is not appropriate in every situation.
A proper refinance assessment should consider:
Current mortgage rate
Remaining mortgage term
Early settlement charges
Registration costs
Property value
Future financial plans
Break-even timeline
At Finnequity, we evaluate the full financial impact before recommending whether refinancing is in your best interest.
Why Homeowners Review Their Mortgage
Many borrowers arrange a mortgage and then leave it unchanged for years.
However, lending conditions, property values, and personal financial circumstances can change significantly over time.
Our advisors regularly help clients review:
Fixed-rate expiry periods
Variable-rate exposure
Monthly payment optimisation
Equity release opportunities
Debt consolidation strategies
Investment property financing
Long-term borrowing costs
The saving on the table right now
Here is what refinancing looks like in real numbers.
|
Your current rate
|
New rate available
|
Loan balance
|
Monthly saving
|
|---|---|---|---|
|
5.50%
|
3.99%
|
AED 2,000,000
|
Around AED 1,700 per month
|
|
5.25%
|
3.99%
|
AED 1,500,000
|
Around AED 970 per month
|
|
4.99%
|
3.85%
|
AED 1,200,000
|
Around AED 670 per month
|
|
4.75%
|
3.85%
|
AED 800,000
|
Around AED 380 per month
|
Based on 25-year remaining term. Source: Capital Zone refinancing data and CBUAE, June 2026. Actual savings depend on your full profile and available bank offers.
How Finnequity Evaluates Refinance Opportunities
Before recommending a refinance strategy, we assess:
Outstanding mortgage balance
Current interest rate
Remaining mortgage term
Settlement penalties
Future borrowing plans
Registration expenses
Property valuation
Projected savings
Break-even period
Our objective is to determine whether refinancing creates a measurable financial benefit rather than focusing solely on headline interest rates.
The cost of switching
The main cost is the early settlement fee on your current mortgage. As of 2026, this is capped at 1% of your outstanding balance. On an AED 1 million balance, that is AED 10,000.
You also pay the new bank’s setup costs: valuation (AED 2,500 to 3,500), mortgage registration (0.25% of the new loan), and admin fees. Total switching costs are typically AED 15,000 to AED 25,000.
At a monthly saving of AED 500, those costs recover in 2.5 to 4 years. If you have more than 5 years left on your mortgage, switching almost always makes sense when rates have dropped significantly.
Finnequity calculates your exact break-even point before recommending whether to switch. Many banks are currently waiving valuation and processing fees to attract switchers. We negotiate these waivers on your behalf.
What you get in your free saving report
Your estimated monthly savings compared to your current rate.
The best current refinance offers from 8 or more UAE banks for your outstanding balance.
Your break-even timeline: how many months until the switching costs are recovered.
Whether any banks are currently offering fee waivers this month.
A clear recommendation: switch now, wait, or stay with your current bank.
How Finnequity handles the switch
Once you decide to proceed, Finnequity manages every step. We gather your documents, submit your application to the new bank, negotiate fee waivers, coordinate the payout of your existing mortgage, and arrange the transfer registration. You do not need to contact your current bank or the new bank directly. Most refinances complete in 4 to 6 weeks.
Calculate your monthly savings now
Tell us your current rate and balance. We will send your free savings report within 24 hours.
Ready to find out what you can borrow?
Fill in the form. A Finnequity broker will call you within the hour. No fees. No commitment.
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Location
Meydan Grandstand, 6th floor, Meydan Road, Nad Al Sheba, Dubai, U.A.E.