Mortgage Refinance & Balance Transfer
Lower your monthly payments, reduce interest rates, or access equity. Save up to AED 50,000+ annually by switching banks.
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Mortgage Refinance Benefits 2025
Lower Interest Rates
Reduce your rate by 0.5-2% and save thousands annually
Access Home Equity
Top-up loans available up to 80% LTV of current property value
Quick Process
Refinancing approval in 7-14 days with minimal documentation
No Early Settlement Penalty
Many banks offer refinance with waived early settlement fees
When Should You Refinance?
✅ Good Time to Refinance
- Interest rates have dropped 0.5% or more since your original loan
- Your property value has increased significantly
- You need to access home equity for investment or expenses
- You want to consolidate multiple debts into one lower-rate loan
- Your credit score has improved since your original mortgage
❌ Wait Before Refinancing
- ×Your remaining loan tenure is less than 5 years
- ×Early settlement penalty exceeds refinancing savings
- ×You plan to sell the property within 2-3 years
- ×Your employment situation is unstable or changing
- ×The interest rate difference is less than 0.5%
Apply for Mortgage Refinance
Get competitive refinancing quotes from UAE banks in minutes
Get Your Free Mortgage Quote
Fill out the form below and receive personalized offers from multiple UAE banks
Refinance Savings 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
Trusted by UAE Homebuyers
Join thousands who found their dream home through our partner network
"Found excellent mortgage options through LeoCompare. Their partner advisors were professional and helped me secure a great rate."
"As an expat, I was worried about the process. LeoCompare's partners made it easy and got me pre-approved quickly."
"Being a non-resident, I thought getting a UAE mortgage would be difficult. The brokers connected through LeoCompare offered competitive rates and clear guidance."
Related Financing Solutions
When refinancing, you can also access additional funds through our equity release options, allowing you to leverage your property's appreciated value for home improvements, education expenses, or investment opportunities while simultaneously securing better interest rates on your existing mortgage.
Managing multiple properties with various lenders? Our portfolio consolidation services can combine your refinancing needs across all properties into a single streamlined facility, reducing overall interest costs and simplifying your property financing administration significantly.
If you're an expat resident who initially secured financing as a non-resident, refinancing now can help you access improved LTV ratios up to 80% and significantly lower interest rates by leveraging your established UAE residency status and local employment history.
Mortgage Refinance FAQs
Information Sources: UAE Central Bank, Dubai Land Department, LeoCompare Market Analysis