Equity Release
Equity release is the process of accessing accumulated property value through refinancing or top-up loans, converting paper wealth into liquid capital while maintaining ownership, common for investment property acquisitions or portfolio expansion.
| Release Methods | Mechanism |
| Remortgage | Replace existing loan at higher amount |
| Top-up loan | Additional borrowing on same property |
| Home equity loan | Second lien financing |
| Portfolio refinance | Consolidate and increase multiple loans |
| Available Equity Calculation | Example |
| Current property value | AED 3,000,000 |
| Maximum LTV (75%) | AED 2,250,000 |
| Existing mortgage | AED 1,500,000 |
| Available equity release | AED 750,000 |
| Strategic Applications | Use Case |
| Down payment | Acquire additional properties |
| Renovation | Property improvement funding |
| Debt consolidation | Replace high-cost credit |
| Business investment | Alternative to business loans |
Related Terms
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