Equity Release Dubai
If you own property in Dubai, you may be sitting on substantial equity that can be unlocked for new investments, business expansion, renovations, or personal financial goals. Equity release allows you to borrow against your existing property at competitive mortgage rates rather than resorting to higher-cost personal loans. Simply Mortgage has worked on in equity release facilities across Dubai, helping property owners access trapped capital at rates starting competitively.
Key Market Data
Current property and financing insights for informed decisions.
75% (UAE Residents)
Maximum LTV for Equity Release
0.15-0.25% Above Purchase Rate
Typical Rate Premium
14-21 Days
Processing Time
AED 750,000
Minimum Property Value
Key Features
Everything you need for equity release dubai.
Maximum Equity Extraction
We optimize your LTV across lenders to release the maximum possible equity - up to 75% of your property's current market value, minus any outstanding mortgage balance.
Purpose-Agnostic Structuring
Whether you need funds for a second property, business, education, or debt consolidation, we present your purpose in the way most acceptable to underwriters.
Fresh Valuation Advocacy
Your property may have appreciated. We coordinate a new bank valuation and brief the surveyor on recent comparable sales to ensure the highest defensible valuation.
Rate Optimization
Equity release typically carries a slight premium over purchase mortgages. We negotiate with your existing lender and competing banks to minimize this premium.
Simultaneous Purchase Structuring
Releasing equity to buy another property? We coordinate both transactions with the same bank for a relationship rate discount.
Early Settlement Analysis
If you have a fixed-rate mortgage with an early settlement penalty, we calculate whether the penalty is outweighed by the benefits of releasing equity at a better terms.
Rapid Disbursement
Once approved, funds are typically disbursed to your account within 2-3 working days, ready for your intended use.
How It Compares
| Feature | Standard | With Simply Mortgage |
|---|---|---|
| Equity Assessment | Guestimate based on purchase price without current market data | Professional market valuation with comparable sales data to maximize assessed equity |
| Rate Comparison | Accept your existing lender's equity release rate without shopping | Multi-bank comparison including retention offers, competitor quotes, and negotiation |
| Purpose Structuring | Generic application that may be rejected based on intended use | Strategic purpose presentation tailored to each lender's underwriting appetite |
| Early Settlement | Pay unnecessary early settlement penalties without analysis | Penalty cost-benefit analysis - we calculate whether switching saves more than penalty costs |
| Portfolio Integration | Equity release handled as isolated transaction | Integrated strategy combining release, new purchase, and relationship pricing |
Key Benefits
Why clients choose Simply Mortgage for equity release dubai.
Access competitive mortgage rates rather than expensive personal loans for your capital needs
Unlock up to 75% of your property value with rates competitively
Funds disbursed within a timely manner from application to your bank account
No restrictions on end use - invest, expand your business, pay education, or renovate
Combined equity release and new purchase structuring for portfolio expansion at competitive rates
Optional interest-only structure for the equity component to reduce monthly payments
Dubai Marina Owner Releases AED 850K to Buy Investment Property
Client Profile
Mikhail, Russian Expat and Business Owner
Challenge
Mikhail owned a two-bedroom Marina apartment purchased 2019 for AED 2.1M with AED 900K outstanding. Now worth AED 3.4M. He wanted to release equity for a AED 1.4M JVC investment studio. His existing lender offered equity release competitively with 60% LTV cap and AED 9K early settlement penalty.
Our Solution
We obtained three competing offers. A new lender offered competitive rates up to 75% LTV on Marina plus competitive rates for JVC purchase if combined. Savings from lower rate outweighed AED 9K penalty within 14 months. Both properties revalued successfully.
Result
Mikhail released AED 1.69M (75% LTV of AED 3.45M minus AED 900K). Used AED 350K for JVC down payment, mortgaged remaining AED 1.05M, kept AED 1.34M cash. Blended rate competitive rates. JVC studio generates AED 72K annual rent vs AED 62.4K mortgage - positive cash flow from day one.
What Our Clients Say
"I had no idea my Marina apartment had appreciated so much. Simply Mortgage arranged a new valuation, showed me nearly significant financing in equity, and within two weeks the money was in my account."
Omar F.
Dubai Marina Property Owner
"My existing bank offered terrible equity release rates. Simply Mortgage found three competing banks, negotiated 0.6% lower, and managed the entire switch efficiently."
Natalia K.
Downtown Dubai Apartment Owner
"Releasing equity to buy a second property seemed complex but Simply Mortgage made it feel like one smooth transaction. Both mortgages coordinated, relationship discount, both closed within a month."
Vijay S.
Investment Portfolio Owner
The Process
Here's what to expect when working with Simply Mortgage.
Free equity assessment - we estimate your property's current market value and calculate maximum releaseable equity across all 22 banks
Purpose alignment - we structure your application narrative to match each bank's underwriting appetite
Coordinated valuation - physical valuation with surveyor briefed on recent area comparables
Multi-bank submission - simultaneous applications to 3-5 lenders including your existing bank and competitor banks
Fund disbursement - once approved, we coordinate with the bank and DLD for registration and ensure funds reach your account within 2-3 working days
Who This Is For
Our equity release dubai is well-suited for:
Existing Dubai homeowners with significant equity looking to fund a second property purchase
Property investors seeking to expand their portfolio without injecting new cash
Business owners who prefer property-secured lending at mortgage rates over business loans
Homeowners planning major renovations avoiding high-interest personal finance
Residents consolidating higher-cost debts into a single lower-rate facility
Parents funding education using property equity rather than liquidating investments
Frequently Asked Questions
What is equity release and how does it work in Dubai?
Equity release is borrowing against property you already own. If your property is worth significant financing with significant financing outstanding, you have significant financing equity. Banks lend up to 75% of value to residents (60-65% to non-residents), so you could borrow up to AED 2.25M total. Subtracting the existing significant financing leaves AED 1.25M releasable as cash for any purpose.
What is the maximum LTV for equity release?
For UAE residents, 75% of current market value inclusive of any existing mortgage. Non-residents typically 50-65%. Expatriate UAE residents can achieve up to 80% in limited circumstances. We calculate your precise maximum across all 22 banks during a free equity assessment.
How long does equity release take in Dubai?
Staying with your existing lender: a reasonable time. Switching to a new lender: 14-21 days including valuation, application, and DLD registration. We typically secure pre-approval quickly, coordinate valuation promptly, and finalize within a reasonable time for most cases.
Will I pay a higher rate for equity release vs purchase mortgage?
Typically a 0.15-0.25% premium over purchase rates because funds aren't tied to a specific identifiable property purchase. However, we regularly negotiate this down or eliminate it by presenting the release as part of a broader banking relationship.
Can I release equity from a property with an outstanding mortgage?
Yes, this is the most common scenario. The new total borrowing cannot exceed the maximum LTV cap. The new lender settles your existing mortgage and disburses the net released amount to you. If staying with your current lender, they simply increase your facility.
Related Services & Locations
Discover more ways Simply Mortgage can help with your property financing needs.
Ready to Take the Next Step?
Our mortgage experts are ready to help with equity release dubai. Contact us today for a personalized consultation.
The information on this page is for general guidance only. Mortgage terms, eligibility requirements, and regulations vary and are subject to change. For current, personalized advice, please consult with a Simply Mortgage advisor. Simply Mortgage Consultancy is licensed and regulated in the UAE.