Release cash from your UAE property
Own a ready home in the UAE? A loan against property, also called equity release, turns part of its value into cash. We compare 20+ banks, work out how much you can release after any existing mortgage, and handle it from valuation to payout.
- 5.0 on Google
- Central Bank regulated
- The bank pays our fee
How it works
- 1
Share your details
Two short steps, about a minute. No documents needed yet.
- 2
We work out what you can release
Based on your home’s value, any mortgage left on it and your income, across 20+ banks.
- 3
Valuation, offer, payout
The bank values your home and makes an offer. We handle the paperwork until the money is paid out.
How much could you release? A worked example.
Round numbers to show how it works. Your figure depends on the bank’s valuation and your income, which is what the call is for.
Your property
- Bank’s valuation of a ready home in Dubai
- AED 2,000,000
- Maximum loan at 80% of the valuationEmirates NBD’s limit for expats on ready, freehold property, checked 13 Oct 2026
- AED 1,600,000
- Mortgage still owed, paid off first
- AED 600,000
- Cash you could release, before costs
- up to AED 1,000,000
What it costs
- Bank processing feeUp to 1% plus VAT at many banks
- up to AED 16,800
- Property valuationDepends on the bank
- about AED 2,500 to 3,500
- Early settlement fee on the AED 600,000 mortgageCentral Bank cap: 1% or AED 10,000, whichever is less
- up to AED 6,000
- Dubai Land Department mortgage registration0.25% of the loan plus about AED 290
- AED 4,290
- Total
- up to about AED 30,600
The bank also checks your income. All your monthly debt payments, this loan included, can’t pass 50% of your income, and banks test the payment at a higher rate than the one you’ll pay. Car loans, personal loans and credit cards count towards the same 50%.
We compare offers from 20+ UAE banks.
One conversation with us, and we check which banks will lend against your property, including:
Rated 5.0 on Google.
What clients say once their mortgage is arranged, word for word.
I was rejected by several banks, and almost gave up but they helped me to get mortgage and provide A-Z support, helped me to prepare correct documents package and were with me all the way alone the process.
I can’t thank Wayzfinder enough for helping us secure our mortgage/finance. Their communication, expertise, and dedication were outstanding. They went above and beyond to find the best solution for us and made the entire experience stress free. Highly recommended! Thank you Lithin Thomas!
Friendly and knowledgeable people at Wayzfinder. Handled my query, and guided me through the entire process with sooo much ease. Thank you.
Documents for a loan against property.
You don’t need these to send the form. Having them ready is the fastest way to an offer.
You
- Passport and visa copy
- Emirates ID
- Six months of bank statements
Your property
- Title deed copy
- If it’s mortgaged: latest mortgage statement
- If it’s mortgaged: liability letter (we help you request it)
Your income
- Salary certificate, if you’re salaried
- Trade licence and company statements, if you’re self-employed
Questions about releasing equity.
What is a loan against property?
It’s a loan secured on a home you already own. The bank lends you part of the property’s value as cash and registers a mortgage on it, and you repay it monthly like a home loan. It’s also called equity release.
How much can I release?
It depends on three things: the bank’s valuation of your home, the bank’s maximum loan-to-value, and your income. Emirates NBD, for example, lends expats up to 80% of the value of a ready, freehold property in Dubai and Abu Dhabi, with a minimum salary of AED 15,000 (checked 13 October 2026). Any mortgage still on the property is paid off first, and all your monthly debt payments must stay within 50% of your income.
Can I release equity if I still have a mortgage?
Yes, if the numbers work. The new loan pays off your current mortgage and the rest comes to you. Your current bank can charge an early settlement fee, capped by the Central Bank at 1% of what you owe or AED 10,000, whichever is less. If you mainly want a lower rate, see mortgage buyouts.
Can I borrow against an off-plan property?
Generally not. Loans against property are made on ready, completed homes. Emirates NBD’s pages, for example, ask for a ready property for expats and a fully constructed, completed one for UAE nationals.
Can self-employed people apply?
Yes. Emirates NBD, for example, offers it to both salaried and self-employed people. Self-employed applicants usually show a trade licence and company statements instead of a salary certificate.
Is there a fee to use WayzFinder?
In almost all cases, no. Our fee is paid by the bank once your mortgage is disbursed, so the rate you get through us matches or beats going to the bank directly. Any exception is confirmed with you upfront, in writing, before any work begins.
Find out how much you could release.
Send your details in about a minute. We check your numbers with 20+ banks and call you within one business day.