Property Portfolio Consolidation
Consolidate multiple property loans into one simplified mortgage. Reduce rates, simplify management, and improve cash flow for property investors.
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Portfolio Consolidation Benefits 2025
Lower Overall Rate
Consolidate multiple loans at reduced blended rate, save on interest
Simplified Management
One monthly payment instead of managing multiple mortgages
Improved Cash Flow
Extended tenure options to reduce monthly outgoings
Portfolio Growth
Free up equity to acquire additional investment properties
Why Consolidate Your Property Portfolio?
Reduce Interest Costs
Multiple older mortgages often carry higher rates. Consolidation can reduce your blended rate by 0.5-1.5%, saving thousands annually. Similar to mortgage refinancing for a single property, portfolio consolidation leverages current market rates.
- • Lower overall interest expense
- • Potential to save AED 50,000+ per year
- • Better terms for property investors
Simplify Administration
Managing multiple mortgages across different banks is complex. One consolidated loan means one payment, one statement, one relationship.
- • Single monthly payment
- • One dedicated relationship manager
- • Simplified tax and accounting
Unlock Growth Capital
Consolidation can release equity tied up in your portfolio, providing capital for new investments or business opportunities. Consider equity release options to access your property wealth, or explore mega loans for large property portfolios worth AED 20M+.
- • Access accumulated equity
- • Fund additional property purchases
- • Expand investment portfolio
Consolidation vs Individual Loans
✅ After Consolidation
- Single Payment: One monthly EMI covering all properties
- Lower Rate: Blended rate typically 0.5-1.5% lower
- Better Terms: Negotiating power with portfolio size
- Equity Access: Top-up facility for additional investments
- Simple Management: One bank, one relationship manager
⚠️ Before Consolidation
- ×Multiple Payments: Tracking 3-5+ different EMIs monthly
- ×Higher Rates: Older loans at 5-7% APR still running
- ×Limited Leverage: Less negotiating power per individual loan
- ×Locked Equity: Difficult to access equity across multiple properties
- ×Admin Burden: Multiple banks, statements, and renewals
Apply for Portfolio Consolidation
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Portfolio Consolidation Calculator
Important: Illustrative Calculations Only
*These calculations are illustrative estimates only and do not constitute a loan offer or commitment.
- •Actual interest rates, fees, and terms vary based on your credit profile, employment, and bank policies
- •EMI calculations use illustrative rates (3.89%–4.99%) for estimation purposes only
- •Complete the pre-approval form to get personalized quotes from multiple UAE banks
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Related Financing Solutions
After consolidating your portfolio, consider our refinancing solutions to regularly review and optimize your consolidated facility's terms, ensuring you continue to benefit from competitive market rates and favorable conditions as your portfolio grows and market conditions evolve.
Need additional capital to expand your investment portfolio? Our equity release products allow you to unlock value from your consolidated property portfolio without disrupting your existing consolidated structure, providing liquidity for new opportunities while maintaining streamlined management.
Managing a high-value consolidated portfolio worth AED 15M or more? Explore our mega loan facilities designed for ultra-high-net-worth investors, offering enhanced terms, dedicated relationship management, and bespoke structuring for complex multi-property portfolios.
Portfolio Consolidation FAQs
Information Sources: UAE Central Bank, Dubai Land Department, LeoCompare Market Analysis