Release cash from a property you already own.
Equity release lets you borrow against a UAE property you already own, either mortgage-free or with a loan you've paid down. The amount you can raise depends on the property's current valuation, the loan-to-value limit for that type of property, and your ability to repay. The new loan is secured on your property.
Owners use equity release to fund another purchase, a business, education or renovation. Because the loan is secured on your home, we make sure the repayments are comfortable before you go ahead.
Is this right for you?
- Owners of mortgage-free UAE property
- Owners whose property has risen in value
- Investors raising a deposit for another property
From first call to keys
- Free consultationWe look at your income, commitments, property and timeline, and tell you honestly what's realistic.
- Compare lendersWe compare options across our UAE lender panel and explain the trade-offs in plain English.
- Pre-approvalWe prepare your application, submit it and follow it up with the bank.
- Valuation and final offerThe bank values the property and issues the final offer. We check the terms with you before you sign.
- Transfer and keysWe coordinate with the bank, seller and trustee office until the transfer completes.
What lenders look at.
- Current valuation. The bank values your property today. The loan is a percentage of that value.
- LTV limit. Limits depend on whether the property is your home or an investment, and on your nationality.
- Ability to repay. Your income must support the new repayments within the 50% debt burden limit.
- Purpose. Some lenders ask what the funds are for and may limit certain uses.
- Risk to your home. The loan is secured on your property, so missed payments put it at risk.
What you'll usually need
Salaried applicants
- Passport, residence visa and Emirates ID
- Salary certificate from your employer
- Recent payslips and bank statements showing salary credits (usually 6 months)
- Details of existing loans and credit cards
Self-employed and business owners
- Passport, residence visa and Emirates ID
- Trade licence and company documents (such as the memorandum of association)
- Personal and company bank statements (often 6 to 12 months)
- Audited financial statements or proof of business income, where the lender asks for them
Your existing mortgage
- Latest mortgage statement
- Liability letter from your current bank showing the amount to settle
- Title deed of the property
Lenders may ask for more depending on your profile. We'll give you an exact checklist for your case.
Numbers to know
- Maximum LTV, expatriates, first home, value below AED 5 million
- 80%
- Maximum LTV, expatriates, second or investment property
- 60%
- Maximum LTV, UAE nationals, first home, value AED 5 million or less
- 85%
- Maximum LTV, UAE nationals, second or investment property
- 65%
- Maximum debt burden ratio (share of gross income)
- 50%
Regulatory limits: Central Bank of the UAE, Regulations Regarding Mortgage Loans, checked 7 November 2026. Lenders can apply stricter limits.
Your questions, answered.
How much equity can I release?
Can I release equity from an investment property?
Can I use the money to buy another property?
Is there a risk?
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