Equity Release (Loan Against Property)
If your property has appreciated in value or you have paid down a substantial portion of your mortgage, equity release allows you to borrow against that built-up value.
Key Regulatory Parameters
Reviewed: 2026-10-2160% – 80%
Typical Max LTV
2026-10-21
Review Date
What It Is
An equity release facility secures a loan against an unencumbered property (fully owned) or increases the borrowing against a currently mortgaged property up to allowable LTV limits.
Key Features & Structure
- Access liquid capital at secured mortgage rates, typically far lower than personal or commercial loan rates.
- Borrow up to 60% to 80% of current market valuation depending on residency and property type.
- Long repayment tenures up to 25 years to keep monthly cash outflows manageable.
Who It Suits
Property owners seeking liquidity for business expansion, second property down payments, or portfolio restructuring without selling their asset.
Important Things to Consider & Risks
- Your property remains collateral; failure to meet repayments places the asset at risk.
- Total borrowings remain strictly bound by the Central Bank 50% Debt Burden Ratio.
Typical Documents Required
- Title Deed of the property
- Current valuation report (ordered by lender)
- Clear statement of purpose for the funds
- Standard income, KYC, and AECB reports
Estimate Your Monthly Payments
Use our client-side calculator to model repayment scenarios under CBUAE rules.
Rate Risk Notice: Fixed rates usually last 1–5 years. After that your rate typically follows EIBOR plus the lender's margin, so payments can go up or down.
Frequently Asked Questions
Yes. The new facility pays off the existing balance and releases the remaining approved funds directly to your account.