What changes
You remain the owner. The mortgage, or a new one, is sized against current value and your income. DLD and bank fees apply on the new registration.
Equity release
Equity Release Mortgages in Dubai
Use the value you already hold.
Equity release in Dubai lets you borrow against a property you own. The home stays yours. The capital can fund another purchase, renovation, or a planned cash need.
Equity release in Dubai is borrowing against a property you already own, either as a top-up on an existing mortgage or as a new loan, while you remain the owner.
If a Dubai property has appreciated, or the existing loan is modest relative to value, a top-up or a new structure can release cash without a sale. Banks will revalue the home, review income, and set a loan-to-value that fits the current file.
The decision should be as careful as a purchase. We compare UAE lenders, model the new monthly commitment, and make sure the purpose of the funds is one the bank will accept. Registration and bank fees still apply. Crelco does not add a consultancy fee.
If the real plan is to exit the property, a sale may be cleaner. We will say so.
- Borrow against owned property without selling.
- Use proceeds for investment, renovation, or planned liquidity.
- Compare top-up and refinance structures.
- Understand the new monthly commitment before you proceed.
- Independent advice, not a single bank’s product.
How it works
The file, in order.
What does not
The property is still a home or an asset you intend to keep. Equity release is not a substitute for a sale if you want to leave the market.
How banks treat the funds
Lenders care what the money is for. Investment, renovation, and documented liquidity needs are treated differently from undocumented cash. We position the file honestly.
Residents and non-residents
Both can be considered, subject to equity, income, and the bank’s current policy. Non-resident limits are usually tighter.
See what you can borrow.
A Crelco advisor maps the file, compares banks, and you decide. Crelco does not charge any consultation fees.
Documents
What we typically ask for
- Passport and Emirates ID
- Title deed
- Existing mortgage statement, if any
- Salary certificate or trade licence
- Recent bank statements
Exact lists vary by bank and employment type. We collect only what the file requires.
Also useful
Related at Crelco
Questions
Asked, answered.
Direct answers first. If yours is not here, an advisor will take documents, timing, and the bank that actually fits.
Private consultation
Speak with a Crelco mortgage advisor.
Independent advice. Banks compared for your file. Crelco does not charge any consultation fees.