Property
refinancing
in Dubai

Unlock your capital. Use rising property values to access cash or reduce your monthly payments.

Since 2018

helping clients in Dubai

Do you need to refinance your property in Dubai?

The Dubai market has grown significantly in recent years. If you’ve owned a property for 2–3 years, its value is likely much higher today. This opens the door to banking solutions that help you optimise your investment portfolio.

Two ways to get the most out of your property

Equity Release (capital release)

Do you own your property outright or have a low outstanding loan? Based on a new valuation, the bank can release cash up to 50–60% of the current market value.

How can you use it?

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Refinancing conditions

To get approval for equity release or loan transfer, you need to meet the following:

LTV (loan-to-value):

Up to 50–60% of current value (non-residents) or up to 80% (residents)

Property status:

The project must be completed (handover) and you must have a Title Deed

Income:

Minimum €5,000 monthly (household net income)

Payment history:

No missed payments on your current mortgage in the last 12 months

Documents required for refinancing

In addition to standard income documents (passport, bank statements, tax returns), the bank will require:

Property documents:

Title Deed
Affection Plan (plot/floor plan)
Liability Letter (outstanding loan statement from your current bank)
Original loan agreement (Facility Letter)

1

Feasibility analysis:

We calculate whether refinancing or equity release actually makes sense for you.

2

New market valuation:

We arrange a certified valuer to confirm your property’s current market value.

3

Approval with a new bank:

We handle the entire approval process without you needing to travel to Dubai.

4

Full administration

We secure developer approvals (NOC) and handle communication with the Dubai Land Department (DLD).

What we do for you

Client experiences

How clients who have gone through the process evaluate working with us.

Mortage

“Securing a mortgage in the UAE with Kristína was a smooth, fast, and hassle-free experience. She prepared mortgage offers from several banks and guided me through the entire process with professionalism and a personalized approach. I could rely on her expertise every step of the way. I highly recommend her services.“

Mortage

“I am very satisfied with Kristína’s services. She assisted me with opening both my personal and business bank accounts and later helped me secure a mortgage by leveraging her strong relationships with one of the UAE’s leading banks. Thank you for the seamless process, professional approach, and prompt support.”

Refinancing

“Kristína helped me establish my company in Dubai and later arranged a mortgage to refinance my property. The biggest challenge for me was navigating all the required documentation, but thanks to Kristína, I didn’t have to worry about any of it. Her professional, comprehensive support made the entire process effortless. Thank you for your outstanding service.”

How HYPOVEA helps you

We know the market

We know which bank currently offers the best conditions for equity release.

We arrange the Liability Letter

We keep documents, communication, and the entire process under control.

We maximise your valuation

A correct property valuation is key to getting the maximum cash from the bank.

Frequently asked questions about refinancing

Odpovede na otázky, ktoré klienti riešia ešte predtým, než sa do procesu pustia.

What does mortgage restructuring mean in the UAE?

Restructuring means adjusting the terms of your existing mortgage to make repayments more manageable or to save on interest long-term (e.g. changing the interest rate, loan term, or loan type).

What are the most common ways to improve a mortgage?

When is refinancing worth considering?

What should I prepare to ensure a smooth process?

Book a consultation

A short consultation will give you clarity on your options, the process, and next steps — with no obligation.

Property refinancing in Dubai