Mortgages
Review your existing mortgage.
Refinancing can reduce your monthly payment, release capital, or move you to a lender with better terms. We compare your current mortgage against the market and calculate whether switching makes financial sense after costs.
Who it's suitable for
Is this right for you?
- Borrowers whose fixed period is ending
- Borrowers looking for lower rates
- Borrowers wanting to release equity
- Borrowers whose circumstances have improved
Typical considerations
What to know
- 01Early settlement fees may apply to your existing mortgage.
- 02Switching costs include valuation, registration and processing fees.
- 03A break-even analysis helps determine if refinancing is worthwhile.
- 04New lender criteria must still be met.
Documentation
Indicative document checklist.
- Existing mortgage statement
- Property title deed
- Income documentation
- Valuation (coordinated by new lender)
Exact requirements vary by lender. We confirm the specific documentation for your chosen lender before submission.
How TheFundsOfficer helps
Your financing representative.
We don't just submit to one bank. We compare your profile across the UAE lender market, identify those whose criteria fit, structure your application, and manage the process through to completion — with one dedicated Funds Officer as your point of contact throughout.
FAQ
Questions
How do I know if refinancing is worth it?+
We run a break-even analysis comparing your current rate and payment against available options, net of switching costs, so you can see the real saving.
Can I release equity when I refinance?+
Yes, subject to lender LTV limits and affordability. We structure the request to match your objective.