Equity Release Mortgage UAE

Equity Release

Unlock the value built up in your property without selling it.
Use released equity for renovations, investments, business needs, or future plans.

How it Works

Simple Steps

Consultation Call

An expert discusses your profile, property budget and your eligibility.

Rate Comparison

We compare over 150+ different options and find which one suits you best

Document Submission

We collect your documents, you sign your application to submit

Get Pre-approval

Receive your Pre-approval and Shop for your dream home

EQUITY RELEASE MORTGAGE

Understanding Equity Release 

What Is an Equity Release Mortgage in the UAE?

An equity release mortgage in the UAE allows property owners to unlock part of the value built up in their home without selling the property. If your property value has increased or your outstanding mortgage has reduced over time, you may be able to borrow against that available equity and use the funds for personal, investment, or property-related goals.

For homeowners in Dubai and across the UAE, equity release can be a useful form of real estate financing in the UAE. It may help with property upgrades, future investments, business needs, or consolidating other financial commitments. However, the right structure depends on your property value, existing mortgage balance, income, liabilities, and bank eligibility.

Release value from a property you already own
Explore a property loan in the UAE without selling your home
Use released equity for renovation, investment, or other financial goals
Compare suitable bank options with a mortgage advisor in the UAE
Understand your eligibility before starting the bank application

Quick Details

Who It’s For Property owners with available equity
Typical Timeline 3–6 weeks
Key Requirement Property value & stable income

Documents Needed

Passport copy & Emirates ID
Property title deed
Current mortgage statement, if applicable
Salary certificate or trade license
Recent bank statements
Property valuation, if requested by bank

Mortgage Advisory Services Dubai

How Crelco Helps With Equity Release Mortgage in the UAE

Equity release is not only about how much you can borrow. The bank will also review your income, liabilities, property value, existing mortgage balance, age, tenure, and overall repayment ability. Crelco helps you understand these details clearly before you move forward, so you can decide whether an equity release mortgage in the UAE is the right option for your situation.

As part of our mortgage advisory services in Dubai, we help homeowners review the purpose of the funds, expected monthly payments, available bank terms, and any costs involved. The goal is to help you release property equity in a way that supports your plans without creating unnecessary pressure later.

Review your property value, outstanding loan, and available equity
Compare equity release options across suitable UAE banks
Understand if a property loan in the UAE fits your repayment profile
Prepare the documents needed for the bank review
Get guidance from a mortgage advisor in the UAE before applying
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Mortgage Calculator
Property Value (AED)
Min 300,000 • Max 10,000,000
AED 300,000
Down Payment (%)
Minimum down payment: 20%
20%
Loan Duration (Years)
25
Rate (%)
3.99%
Loan Amount
AED 0
Estimated Monthly Payment
AED 0
Down Payment
AED 0
Other Fees
DLD Fees (4%)
AED 0
Real Estate Fees (2%) (estimate)
AED 0
Other Fees (estimate)
AED 0
Total Upfront Required (Estimate)
AED 0
Disclaimer: All figures are estimates. Fees can vary by profile, lender, and emirate. None of these charges are from CRELCO — they are government, bank, and transaction-related fees.
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25 yrs
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* Estimates only. Bank policies and DBR limits vary by profile. Fees/rates may change.
Crelco doesn’t charge any fees. All fees are government/bank and transfer related fees.