Commercial Property Refinance UAE — Lower Your Rate or Release Equity
Switch your existing commercial mortgage to a better-priced lender or release equity from an appreciated asset up to 70% LTV — buyout fees often waived, conventional or Islamic.
Top commercial refinance offers right now in UAE
Compare the latest business loan offers from leading UAE banks, tailored to your business.
Commercial property refinance lets a UAE business move an existing commercial mortgage to a more competitive lender, release built-up equity from an appreciated asset, or both at once. With property values having risen across many UAE commercial districts, an owner who borrowed a few years ago may now sit on substantial equity and a rate above today’s market — refinancing addresses both. A rate-and-term refinance simply switches you to a keener profit rate or a longer tenure to ease cash flow; a cash-out (equity release) refinance draws out the difference between the current value and your outstanding balance, up to around 70% LTV, to fund expansion, working capital, or another acquisition. The incoming bank settles your existing loan directly and frequently waives the buyout/processing fee to win the business. A fresh RICS valuation and a reassessment of your current business cash flow govern the figures, and any early-settlement charge on the old facility must be weighed against the saving. FinanceMarket.ae runs a transparent break-cost analysis and compares both new-purchase-grade and refinance offers so you only switch when the numbers genuinely work.
- Rate reductions of 0.7%–1.5% observed in recent deals
- Cash-out refinancing up to 70% LTV
- Buyout fees often waived by the incoming lender
- Transparent break-cost analysis before you commit
Documents Required to Apply for a Business Loan in Dubai, the UAE
Pick your profile below — the checklist differs by applicant type.
- Valid Trade Licence (Mainland / DED)
- Memorandum of Association (MOA) & Share Certificates
- Chamber of Commerce registration certificate
- Office tenancy contract / Ejari
- Company profile and website
- 6–12 months company bank statements
- Audited financial statements for the last 2 years
- VAT certificate and VAT returns for the last 4 quarters
- Sample invoices and purchase orders (POs)
- Emirates ID & passport copies of all owners / partners
- UAE residence visa copies of owners / partners
- AECB credit report
- Post-dated cheques / collateral where applicable
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Frequently Asked Questions
Answers to the most common questions about business finance in the UAE.
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