Review your existing mortgage, compare lenders and restructure your loan with a clear view of the costs, savings and trade-offs.
MCI Investment Group helps homeowners and property investors in Dubai and across the UAE review, refinance and restructure their existing mortgages and loans.
Refinancing can lower your cost, change your repayment structure or release value from your property, but only when the savings outweigh the switching costs. We compare the market, calculate your break-even point and manage the process with your current and new lenders. Explore related options such as Home Financing, Equity Release and Real Estate Solutions. Rates, fees and approvals are determined by lenders and are not guaranteed, and this page is general information, not financial advice.
A clear review of your current rate, balance, term and fees to show where you stand today.
Side-by-side offers from multiple UAE lenders, covering conventional and Islamic products.
Switching costs, monthly savings and break-even timing explained in plain numbers.
We liaise with both banks, valuers and the Land Department so the switch runs smoothly.
Compare your current rate with lender offers to see whether a lower rate or a smaller monthly payment is realistic.
Move your mortgage to another UAE lender, with settlement, property transfer and paperwork coordinated for you.
Shorten the term to cut total interest, or extend it to ease cash flow, based on what suits your finances.
Review fixed, variable and Sharia-compliant structures so the product matches your appetite for rate movement.
Bring eligible personal loans, cards or other liabilities into a more manageable repayment structure.
Where eligible, release part of the equity in your property alongside refinancing. See also our Equity Release service.
Before a promotional period ends, compare lenders so you are not moved onto a less competitive rate by default.
If lender pricing has fallen since you signed, a new offer may reduce your cost, subject to switching fees.
A higher income, better credit profile or lower loan-to-value may qualify you for better terms than before.
Restructuring the term or consolidating other debts can lower the monthly burden, though it may raise total interest paid.
Charged by your current lender for closing the loan early; the amount depends on your contract and prevailing regulations.
The new lender usually requires a property valuation and charges a processing or arrangement fee.
Mortgage registration at the Dubai Land Department and related administrative charges apply to a new lender.
Life and property insurance may need to be renewed or re-issued in the new lender’s name.
Break-even point = total switching costs ÷ monthly saving. Refinancing is most worthwhile when you expect to keep the loan longer than this period. Actual fees vary by lender and contract.
We review your current mortgage, rate, balance and remaining term, and clarify what you want to achieve.
We compare offers from UAE banks and finance companies, including conventional and Islamic products.
We calculate switching costs, monthly savings and your break-even point so the decision is based on numbers.
We prepare and submit your application, and coordinate the property valuation and lender approvals.
We coordinate settlement of the old loan, mortgage registration and handover, with follow-up support after completion.
Tick what you already have. Having these ready helps us assess your refinancing options without delays.
Identification and income evidence for every borrower on the loan.
Records of the property and the mortgage you want to refinance.
Details that help us tailor options to your goals.
Requirements vary by lender, property and borrower profile. If something is missing, we will guide you.
The key test is the break-even point: total switching costs divided by your monthly saving. If you plan to keep the property longer than that period, refinancing is more likely to pay off. We run this calculation for you before you commit.
Yes, subject to the new lender’s eligibility criteria, a valuation of your property and settlement of your existing mortgage. We coordinate between both banks and the Land Department.
No. A lower rate can reduce payments, but a shorter term will increase them while cutting total interest. We show you the trade-offs so you can choose what suits your goals.
Often yes, though lenders may ask for a tenancy contract and Ejari. Policies differ between banks, so we shortlist those that fit your situation.
Timing depends on the lender, valuation and document readiness. Having the documents below prepared in advance usually helps avoid delays.
