EIBOR 3M 3.91% CBUAE Base 3.65% Best Islamic 3.75% Best Conventional 3.89% EIBOR 3M 3.91% CBUAE Base 3.65% Best Islamic 3.75% Best Conventional 3.89%

Managing & refinancing

For owners, not buyers: what actually happens when payments slip, the protections you have, and when refinancing or a buyout saves real money.

10 articles in this topic

If payments get difficult

Mortgage arrears UAE: your options if you fall behind What happens when you miss mortgage payments in the UAE, the options banks must offer under CBUAE rules, and the steps to take before things escalate. Mortgage payment holiday UAE: can you pause payments? UAE banks do not offer formal mortgage payment holidays but they do allow restructuring. What to do if you cannot pay, and your rights under CBUAE rules. Mortgage repossession UAE: what happens if you can't pay Can UAE banks repossess your property? The legal process, how long it takes, and your rights and options as a borrower in mortgage default. Mortgage restructuring UAE: what your bank can offer Struggling with UAE mortgage payments? Banks can offer extended terms, payment deferrals and rate reductions. How to ask, what to expect, and your visa. Security cheque UAE: what it is and your rights in 2026 What a security cheque is in the UAE, where you will meet one, how the 2022 bounced cheque law change affects you, and how to hand one over safely. What happens if you miss a mortgage payment in the UAE? Missed UAE mortgage payment consequences: late fees, AECB damage, the repossession process and security cheque enforcement. What to do if you can't pay.

Refinancing & equity

Mortgage buyout UAE: costs, savings and how to switch A UAE mortgage buyout pays off your existing home loan with a cheaper one from a new bank. What it costs, how much you can save and how the process works. Mortgage refinancing UAE: costs and when it's worth it UAE mortgage refinancing guide: early settlement fees, DLD re-registration, valuation and break-even maths. When refinancing makes sense and when it doesn't. Releasing equity from a UAE mortgage: the real numbers The CBUAE LTV cap on cash-out refinancing is the same as it is for a purchase, not looser. A worked AED 2M example shows what you can actually pull out. When to refinance your UAE mortgage: run the numbers The CBUAE caps the mortgage exit fee at 1% of the outstanding balance. A 0.50%+ rate saving typically breaks even within 2-3 years. How to run the numbers.

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