Offset Mortgage

💰 What if your savings could help reduce the interest on your mortgage?

Whether you’re taking a new mortgage or already have an existing home loan in the UAE, an Offset Mortgage could be worth exploring.

With an Offset Mortgage, your eligible savings balance can be linked to your mortgage, potentially reducing the amount on which interest is calculated.

For example:

🏠 Mortgage: AED 2,000,000
💰 Savings: AED 500,000
📉 Potential interest calculation: AED 1,500,000

This could help you reduce interest costs and potentially pay off your mortgage sooner, while keeping your savings accessible, subject to the bank’s terms and conditions.

An Offset Mortgage may be particularly useful if you:

✅ Are planning to take a new mortgage
✅ Already have an existing mortgage
✅ Maintain substantial savings
✅ Receive regular bonuses or commissions
✅ Want your cash reserves to work harder
✅ Prefer flexibility rather than making large lump-sum repayments

As a Mortgage Consultant, I can help you understand the available Offset Mortgage options in the UAE and assess whether this structure could work for your situation.

📩 Thinking of buying a property or reviewing your existing mortgage? Send me a DM.

Let your savings work alongside your mortgage—not just sit in your account.

Illustration only. Actual offset arrangements, eligibility, interest calculations and savings vary by bank and product terms.