Top-Up Loan
A top-up loan provides additional financing on an existing mortgage, increasing the total debt while keeping the same property as collateral, commonly used for property improvements or additional investments.
| Loan Structure | Configuration |
| Base mortgage | Existing loan continues |
| Top-up amount | Additional borrowing |
| Combined LTV | 75-80% maximum including top-up |
| Interest rate | Usually matches base mortgage |
| Eligibility Calculation | Example |
| Property value | AED 2,500,000 |
| Existing mortgage | AED 1,200,000 |
| Maximum LTV (75%) | AED 1,875,000 |
| Available top-up | AED 675,000 |
| Common Uses | Application |
| Renovation | Property improvement |
| Second property | Down payment for additional purchase |
| Debt consolidation | Repay expensive credit |
| Business investment | Alternative funding source |
Related Terms
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