Your property.
New possibilities.
Explore a proposed way to access up to 50% of your UAE property’s current market value, with a contractual option to buy it back within two years.
Funds may typically be released in 3–5 working days after valuation, legal documentation and required approvals are complete.
Discuss your property
Explore how it works
For existing UAE property owners only. Subject to property location, valuation, legal review and private office approval.
What could you release?
Illustration only, not a quote or eligibility decision. Excludes rent, applicable transfer fees on buy-back and other applicable charges. Gross release is before deductions. The full 20% profit remains payable on early buy-back. This is not an annual percentage rate or an all-in cost.
Up to 50%
Of current market value as a maximum gross release, subject to approval.
Two-year term
A contractual buy-back period set out in the signed agreement.
No monthly finance repayments
Rent may be payable under a separate rental arrangement.
From property value to available capital.
Start with a conversation. Understand the valuation, ownership arrangements and full costs before deciding whether this structure is right for you.
Review your property
Discuss the property and proposed arrangement. The private office reviews valuation and eligibility.
Agree terms and transfer
Complete legal documentation and required NOC or approvals. Under the proposed Dubai terms, the private office pays the initial 4% DLD transfer fee; the allocation of fees elsewhere must be confirmed.
Receive funds and plan buy-back
Funds may typically be released after valuation, documentation and approvals. Exercise the buy-back option within the agreed two-year period.
Clarity at every step.
Ownership and buy-back option
The private office becomes the registered owner. Your signed agreement sets out your contractual right to buy the property back and the conditions for exercising that right.
Living in or letting the property
If you remain in the property, you do so under an agreed rental arrangement. If it is let, the private office may retain rental income. Any subletting permission and income are subject to written agreement and applicable rules.
Transfer fees and additional costs
For Dubai properties, the proposed terms allocate the initial 4% DLD transfer fee to the private office and the applicable transfer-back fee to you. Confirm the assessable transfer value, fees and allocation in writing. Fees in other emirates must be checked separately.
Early buy-back
The full agreed two-year profit amount may remain payable even if you buy back early. Check the signed contract for the exact terms.
The details that matter.
Is this a conventional mortgage?
No. This is a proposed property ownership-transfer arrangement with a contractual buy-back option. The title deed transfers to the private office for the term; it does not remain in your name as it ordinarily would under a mortgage.
Does “no monthly repayments” mean no ongoing costs?
No. Rent may be payable if you remain in the property under a rental agreement. If the property is let, the private office may retain rental income. Buy-back costs and other applicable charges are additional.
How is the buy-back amount calculated?
The illustration uses a fixed profit of 20% of the gross cash release for the two-year term. For example, AED 650,000 released gives AED 130,000 profit and an illustrative AED 780,000 buy-back amount, excluding rent, transfer fees and other charges.
When does the 3–5 working day timeframe start?
The indicative timeframe starts once valuation, legal documentation and required developer NOC or other approvals are complete. It is not a promise of funding within 3–5 days of the first enquiry.
Is the illustrated buy-back amount the full cost?
No. Rent, applicable transfer-back fees, and any broker, valuation, legal, NOC and registration charges may be additional. Ask for a written breakdown of net proceeds and total costs before proceeding.
What if I cannot buy the property back in time?
Your ability to regain ownership depends on the signed contract. Do not assume an extension, refinancing or refund will be available. Review the deadline, default consequences and extension provisions before signing.
Let’s talk about your possibilities.
Speak with Mike at The Mortgage Kitchen about releasing equity from your UAE property and the steps to get started.
Call or WhatsApp: +971 58 995 6245
Review your message before opening WhatsApp. Nothing is sent until you press Send in WhatsApp. Please do not send title deeds, bank details or identity documents in this initial enquiry.
Important information
Information describes proposed product terms and is subject to private office approval and final signed agreements. It is not a binding offer, guaranteed valuation, funding commitment or legal advice. Eligibility, net proceeds, all fees and contractual protections and obligations must be confirmed for each case. The Mortgage Kitchen is the enquiry contact; the private office is the contracting purchaser under the proposed structure.
The stated 4% DLD fee relates to Dubai properties only. Fees, requirements and cost allocation for other emirates must be confirmed. For Dubai, the proposed fee allocation must be recorded in the agreement. See Dubai Land Department for official information.
Privacy: this page’s form prepares a message in WhatsApp and does not intentionally store form entries in a database. WhatsApp processes information under its own privacy terms. Contact Mike at +971 58 995 6245 with privacy questions. Avoid including sensitive documents in an initial message.