Top-Up Loans
A top-up loan allows you to borrow additional funds directly from your current bank without the full cost of moving your mortgage to another institution.
Key Regulatory Parameters
Reviewed: 2026-10-2150%
Max DBR
Remaining term
Max Tenure
What It Is
An additional lending tranche added to your existing mortgage facility, secured against the existing mortgage charge up to current regulatory LTV limits.
Key Features & Structure
- Avoids early settlement penalties and new registration trustee charges from switching banks.
- Faster processing compared to a full balance transfer buyout.
- Competitive mortgage profit rates compared to unsecured personal loans.
Who It Suits
Borrowers satisfied with their current lender who have seen their property value increase or who have paid down principal.
Important Things to Consider & Risks
- Subject to bank internal underwriting and new valuation of the property.
- Lenders may charge an arrangement fee for the top-up facility.
Typical Documents Required
- Updated salary certificate & bank statements
- AECB credit report
- Existing loan statement
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
A top-up is processed through your existing lender, whereas equity release can involve refinancing with a completely new lender or borrowing against a mortgage-free property.