Equity Release in the UAE

Unlock the value built up in your UAE property to fund new opportunities, with structured equity release solutions from our specialist team.

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If you own property in the UAE and your loan balance is significantly below the property's current market value, you may be able to release some of that equity in the form of a top-up loan or a full mortgage refinance with a higher balance. UAE equity release is commonly used to fund additional property purchases, business investments, home improvements, or to consolidate other debts at a lower rate. Bradgate Heights identifies the most cost-effective way to access your property equity while managing your overall risk appropriately.

FCA Regulated Advice

20+

UAE Lenders

80%

Max LTV

Free

Consultation

Why Choose Bradgate Heights

Access Capital Without Selling

Equity release lets you access the wealth tied up in your UAE property without having to sell, maintaining your asset base while freeing up liquid capital for new opportunities.

Fund Additional Investments

Many UAE property investors use equity release from one property to fund the deposit on a second, accelerating portfolio growth without the need for additional cash savings.

Competitive Rates

Because equity release is secured against your property, rates are typically significantly lower than personal loans or unsecured credit facilities available in the UAE.

Flexible Use of Funds

Released equity can be used for a wide range of purposes including property renovation, business capital injection, education costs, or a UK property purchase deposit.

How It Works

Check Eligibility

We review your existing mortgage balance, an indicative current property valuation, and your income position to calculate the maximum equity available and confirm eligible lenders.

Choose Product

We compare top-up mortgage products and refinancing options across our lender panel, advising on the most cost-effective structure for accessing the equity you need.

Application

We submit your equity release application, arrange the mandatory property revaluation, and manage the lender's underwriting and credit approval process.

Completion

Funds are released to your designated account following legal and mortgage registration formalities, with all associated costs clearly itemised in advance of completion.

Frequently Asked Questions

How much equity can I release from a UAE property?+

The amount you can release depends on the current market value of your property and your outstanding mortgage balance. Most UAE lenders allow you to borrow up to 75–80% of the property value in total, meaning you can release equity up to that combined LTV threshold.

What can I use equity release funds for in the UAE?+

UAE lenders may ask about the purpose of equity release and some have restrictions on certain uses. Common accepted uses include property purchase, renovation, business investment, and debt consolidation. Speculative investment may face greater scrutiny from lenders.

Will I need a new property valuation for equity release in the UAE?+

Yes, the lender will require a fresh valuation from an approved valuer to determine the current market value of the property and the available equity before approving any release of funds.

Are there tax implications of equity release on a UAE property?+

The UAE does not impose capital gains tax or income tax, so equity release itself does not trigger a tax event in the UAE. However, if you are a UK national or tax resident, you should seek advice on any potential UK tax implications.

Can a non-resident release equity from a UAE property?+

Yes, non-residents who hold a UAE mortgage can apply for equity release, though the available LTV and eligible lenders may differ from resident applications. We advise on all available options during your consultation.

Ready to get started?

Speak to a specialist today for a free, no-obligation consultation. We compare 20+ UAE lenders to find the mortgage that is right for you.

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