Equity release in the UAE
Unlock the value in your property without selling it.
What is equity release?
Equity release lets you borrow against the value of a property you own, either fully or with an existing mortgage. You keep the property, and the bank gives you cash based on the equity you’ve built, which you repay over time like a regular home loan.
How equity release works
If you own your property outright, you can take a new loan against its current value.
If you’ve paid down part of your loan, you can borrow against the equity you’ve built, often while moving to a better rate.
Why release equity?
use your equity as a down payment on your next purchase.
access funds at home loan rates instead of a business loan.
cover education, renovations, or other major costs.
combine equity release with a move to a better rate
Who can apply for equity release?
salaried and self-employed property owners, subject to income and eligibility checks.
overseas owners of UAE property can explore options designed for non-resident borrowers.
business owners can apply with proof of income, trade license, and company financials.
Costs to consider
Valuation fee: the bank values your property to calculate available equity.
Registration fees: the new mortgage must be registered with the relevant land department.
Processing fee: the bank may charge a fee for arranging the loan.
Early settlement fee: applies if you’re also moving an existing mortgage from your current bank.
How it works with PRYPCO
1
tell us about your property and what you need the funds for.
2
your advisor compares options from 20 partner banks.
3
we coordinate the valuation and paperwork with the bank.
4
once approved, the funds are released to you.
Documents you’ll need
Having these ready speeds up your buyout approval. Requirements can vary slightly by lender and residency status.
Passport, visa, and Emirates ID copies
Salary certificate or proof of income
Bank statements for the last 6 months
Current mortgage statement and liability letter
Title deed and property details
Trade license and company documents if self-employed
Why us?
In partnership with
Industry leaders
UAE’s top banks
Clients who ❤︎ us
"Kudos to PRYPCO! Garima and Haniya made my mortgage process seamless and stress-free. Highly recommend PRYPCO!"
Mahesh Madaan
"...both courteous, professional and extremely helpful. They resolved all my queries promptly and supported me throughout the mortgage process!"
Ali Ikram
"Expatriate financing is a hard process, however, PRYPCO has many times gone out of the way to provide great service, which really helped me settle my loan. Highly recommended."
Muhammad Faisal
"My experience was absolutely outstanding. Level of transparency and communication was truly impressive. My real estate journey was not just smooth but genuinely awesome."
Abdul Rawoof
"Even a very simple mortgage takes at least 30 days time but this one with PRYPCO and especially with Areej was really fast, easy, and very professional. I recommend PRYPCO."
Naveed Syed
"I am extremely grateful for having Abhishek, Hania, and her team by my side while applying for my first property mortgage in Dubai!"
Rameshwari Bhalekar
