Equity release calculator
Cash out against your home · all amounts in AED
This is more than 6% off the calculated payment. Check the loan, the rate or the years left.
Equity Release in Dubai
Turn value already in the property into cash, without selling. The calculator shows the gap between a loan-to-value cap and what you still owe.
Equity release calculator
Enter the property value, the loan-to-value, the balance you still owe, the rate you pay and the years left.
Open the full calculator → · Read the equity release guide →
How this is calculated
Maximum loan is the value multiplied by the LTV you set. Cash out is that maximum minus the existing mortgage. It cannot show below zero. The current payment uses your rate and the years left. The new payment uses the live buyout rate on the new loan.
What this calculator doesn't include
The bank's own valuation if it comes in below the figure you typed, your debt burden cap, and an arrangement fee when the lender charges one. The summary shows the usual costs of releasing equity.
Worked example
Opening sliders: property value AED 2,500,000, max LTV 70%, existing mortgage AED 900,000, current rate 4.49% and 20 years left. The cap is AED 1,750,000 and the estimated cash out is AED 850,000. The panel also shows the current payment and the new payment. This is not a bank cap.
What is equity release?
Equity is the property's value minus the loan still on it. Releasing it means borrowing against that gap, either as a top-up on the current mortgage or as a larger refinance that pays you the difference.
You keep the property. The new borrowing is still a mortgage, so income, debt burden and the bank's valuation all apply.
How equity release works
Value and balance
We start from what the property is worth today and what the current bank is still owed.
Choose the structure
A top-up adds a facility. A cash-out refinance replaces the loan with a larger one.
Check the cap
The bank caps the total loan by loan-to-value and by the share of income that already goes to debt.
Valuation
The bank values the property. TruValue shows the likely cap first.
Offer
You see the cash, the new payment and the fees before you sign.
Funds released
The extra is paid to you once the mortgage is registered. The property stays yours.
Who equity release suits
A second purchase
Using equity as the deposit
- The current home has risen, or the loan is partly paid down.
- You want a deposit without selling.
- The new borrowing still fits your income.
Restructure
Replace more expensive debt
- Personal loans or cards cost more than a mortgage rate.
- One facility is simpler than several.
- The property can secure the larger loan.
Owners with a gap
Value above the loan
- There is a clear gap between value and the balance.
- You are not planning to sell immediately.
- You accept a higher mortgage balance.
When does equity release make sense?
When the property is worth more than the loan by enough to cover the cash you need and the fees, and the new payment still fits your income.
It is a poor fit if you need the cash for a few months only. You are adding years of mortgage interest.
Our advice: test the LTV in the calculator, then check the payment against the rest of your debt before you apply.
Required documents
The Title Deed, the current mortgage statement and income proof are the usual start.
Costs to budget for
- Valuation
- Bank arrangement fee
- Mortgage registration on the new amount
- Early settlement, if the current loan is replaced
Early settlement, when it applies, is capped at 1% or AED 10,000.
What if the bank's value is lower?
The cash out shrinks, because the cap uses the bank's value, not the figure you typed. TruValue is the way to see that before you apply.
How MOVA supports equity release
- Gap check — value, balance and the cash you need, in one view.
- Structure — top-up or cash-out, chosen for the bank that will actually do it.
- Debt check — the new payment tested against your other repayments.
- Valuation — desktop first, then the bank's report.
- Application — one contact through to the offer.
- Registration — the extra facility tracked until funds are released.
MOVA does not approve mortgages. The bank decides.
FAQ — Equity release in Dubai
What is equity release in Dubai?
Borrowing against value you have already built up, either by topping up the current mortgage or by replacing it with a larger loan and taking the difference in cash.
How much can I release?
The calculator subtracts your existing mortgage from the value times the LTV you set. Banks often look at a total loan around 70–80% of value, and your debt burden must still fit.
Do I need a valuation?
Yes. The bank lends against its own value. TruValue shows the likely cash out before you apply.
Equity release or a personal loan?
A mortgage rate is usually lower, and the property is the security. Fees and the longer term are the trade.
Can expats release equity?
Often yes, subject to the bank, your income and where the property is.
Can this sit inside a refinance?
Yes. A buyout can increase the loan and pay you the difference when the loan-to-value allows.
Want the cash figure checked against a bank cap?
Start pre-approval and we test the loan-to-value against your income.
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