UAE Refinance

Is refinancing worth it?

Compare your current mortgage with a new offer and see exactly how long it takes to recover UAE switching costs — early settlement, re-registration, valuation and processing.

AED 1,800,000
5.25%
20 yrs
4.15%
20 yrs
Monthly Savings
AED 1,079

Switching costs of AED 36,840 recouped in 2y 10m.

Current EMIAED 12,129
New EMIAED 11,050
Early Settlement FeeAED 10,000
Lifetime SavingsAED 222,061

UAE switching costs included

  • Early settlement fee: 1% of outstanding balance, capped at AED 10,000.
  • New mortgage registration: 0.25% of new loan + AED 290 DLD admin.
  • Property valuation: ~AED 2,500–3,500.
  • Bank processing: ~1% of loan + 5% VAT.