Remortgage Calculator

Refinancing usually makes sense if your fixed-rate period is ending, your credit profile has improved, or current market rates are meaningfully lower than what you're paying now. As a rule of thumb, if refinancing lowers your rate by 0.5% or more, the savings are usually worth the switching costs. See Fixed vs Variable Mortgage Rates in Dubai for how to think about the timing.

Yes. Expect an early settlement fee from your current bank (capped by Central Bank regulation), a new property valuation fee, and processing fees from the new lender. Our consultants calculate all costs upfront so you see the real net saving before committing. See our Residential Finance page for the full refinance process.

Yes, there's no minimum period you must wait. Many homeowners refinance 2 to 3 years into their mortgage once a fixed period ends or a better offer becomes available.

It depends on your loan balance, remaining term, and the rate difference. Even a 0.5 to 1% rate reduction can save tens of thousands of AED over the life of a large loan. Use the calculator above for an estimate, or contact us for an exact comparison.

Not always. Some banks offer an internal refinance or rate review for existing customers, but you'll often get a better deal comparing offers from other banks. We compare both and recommend whichever saves you more.