Mortgage Refinancing

Mortgage Refinancing — Reduce Your Rate, Release Equity, or Reset Your Terms

Many UAE homeowners are paying more than they should on their mortgage — either because they took out a fixed-rate product that has since become uncompetitive, or because EIBOR movements have shifted the market rate significantly. Refinancing can reduce your monthly payment, release equity for reinvestment, or extend your tenor to improve cash flow.

Findirect conducts a full refinancing analysis — comparing your current rate against the market, calculating the break-even point on any early settlement charges, and identifying lenders who offer the best net saving over your remaining tenure.

When Refinancing Makes Sense

• Your fixed rate has expired and you are now on a variable rate above current market
• Property values have risen significantly, unlocking a better LTV bracket
• You want to consolidate a top-up loan or personal loan into your mortgage
• You wish to switch from a conventional to an Islamic mortgage structure
• Your income has increased and you want to shorten the remaining tenor

Our Refinancing Process

• Current mortgage audit — rate, remaining balance, early settlement fee
• Market comparison across 25+ UAE lenders
• Break-even analysis — months to recover switching costs
• New application management, valuation coordination, and bank liaison
• Simultaneous settlement of existing mortgage and drawdown of new facility