Refinance and release, one file.
Move your mortgage to a sharper rate and release cash in the same approval. One file, two outcomes.
One file. Two outcomes.
Your current mortgage is priced above today's market. The property has also grown in value — you've built equity that isn't doing anything. Buyout-plus-equity-release is the combined move: refinance the existing loan to a sharper rate and release capital in the same transaction. One file. One offer. One drawdown.
The structure saves you a second application, a second valuation, and a second round of paperwork. Done properly, the release costs little more than the refinance alone.
When this is the right move
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Your current rate is above market, and rates have shifted since you signed.
The property has appreciated, and you want to deploy some of that equity — without selling.
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You'd rather handle one approval than two, and save the double valuation fee.
You want the new loan structured for how the next few years of your cashflow will actually look, not how they looked when you took the old mortgage.
Representative mandates we've arranged
Anonymised. Figures and communities indicative of the file shape; precise numbers depend on lender policy.
Scenario 1 — AED 22M Jumeirah Islands villa, consolidated with Jumeirah Park refinance
UAE resident, business owner. New acquisition of a Jumeirah Islands waterfront villa at 70% LTV, combined with a refinance of an existing AED 8M Jumeirah Park villa. Both legs consolidated into a single AED 19M facility. AED 22M combined mandate. One approval, one drawdown, one offer letter — not two parallel files. The refinance leg dropped the rate on the Jumeirah Park villa meaningfully versus the client's legacy mortgage, and the consolidated structure released working capital the client could deploy without disturbing either title.
Scenario 2 — Equity release for business expansion
UAE resident business owner, Multiple Apartments at Dubai Marina. Existing mortgage with approximately fifteen years remaining. Released capital against the equity position and used it to fund a business payment without selling the villa and without raising business debt at a worse cost. Structured as a cash-out refinance with the purpose clearly documented at underwriting.
Scenario 3 — Refinance to a sharper rate
UAE resident, villa in Arabian Ranches. Legacy mortgage at a rate no longer competitive against current bank appetite. File reviewed, positioned the way the new lender's credit wanted to read it, and repriced into a materially lower rate. The client's monthly obligation dropped and the remaining tenor was structured to match the household's current income profile.
Each file is profile-dependent. Timing, LTV, and rate are subject to lender review of customer documentation.
What changes the outcome
1 · Timing of the switch
Banks price refinance applications differently at different points in the quarter. Moving a file into the right week can shift the offer meaningfully.
2 · How the release is framed
Purpose — business, investment, personal — changes pricing. Framed correctly from the first file, the release costs a fraction of what it would if presented casually.
3 · Lender match
Some lenders price refi aggressively; others price release aggressively. The one priced aggressively on both is the one your file needs to reach.
Four steps. No mystery.
01. Message.
Share your current mortgage, the property, and the outline of what you want to release.
02. Thirty-minute call.
We tell you honestly whether it's worth switching, and at what LTV the release is realistic.
03. We route the file.
One application, one valuation, one offer letter — not two parallel files.
04. Offer letter and drawdown.
You sign. Capital lands. Old loan closes. Clean.
The difference a banker makes
Refinance-plus-release is a structured deal, not a commodity product. Done poorly, you end up with a small rate improvement and a costly release stapled on top. Done properly, the file reads as one integrated mandate.
Momentum is run by a UAE banker of nine years, advising on mortgages since 2023. We wrote credit memos against the same policies the new lender is reading. We know which lender will underwrite the combined structure at the rate that makes it worth doing — and which won't engage at all.
Arranged privately.
Share the property, your current mortgage, and what you want to release. We'll tell you plainly whether a buyout-plus-release makes sense — and which lenders will actually price it.
Confidential. No obligation. Fifteen minutes.
Or call +971 56 156 1179
Or send a note via the Contact page.