Equity Plus

Unlock the hidden value of your home


Unlocking the cash from your home! That is, release cash from your property without the upheaval or expense of moving home. Equity plus allows our clients to tap into the value of their property without the need to sell and move out. The released cash can be useful to finance your major expenses or an investment.

Origination Fees & Charges

Application Fee1

AED 3,150 

Processing Fee2

  • 1.05% of original loan amount if fee is added to loan amount or paid upfront
  • Minimum Processing fee of AED 3,150

Valuation Fee

AED 3,150

Offer Letter Renewal Fee

AED 2,100 per occurrence

Offer Letter Cancellation Fee3

AED 2,100

AIP Renewal Fee

AED 2,100 per occurrence

1 Non-refundable, however offset against your processing fee.

2 Non-refundable. For Top Ups, the Processing Fee specified above is reduced to 75% of the standard amount (minimum fee of AED 3,150 applies).

3 Payable if the applicant cancels the application after the Offer Letter is produced but before the Loan is disbursed. 

All fees and charges mentioned above are inclusive of Value Added Tax (VAT) and are subject to change at two months’ notice at the sole discretion of Abu Dhabi Finance PJSC. Terms and Conditions apply.

For our standard Residential Loan Servicing Fees and Charges, please click here.

Why Abu Dhabi Finance

Why Abu Dhabi Finance

Abu Dhabi Finance is one of the UAE’s leading financial services companies, providing individuals and businesses alike with the most relevant financial solutions.

Why Abu Dhabi Finance

Our Vision

To be the most admired real estate financial services company in the UAE

Our Mission

We aim to set the standard in the real estate financial services industry by providing our clients with:

  • Expertise in the local real estate industry, based on our breadth and depth of experience
  • Transparent products and services, built on leading international standards
  • Trusted advisors throughout the real estate investment journey

About Abu Dhabi Finance

Abu Dhabi Finance is the UAE’s fastest growing leading financial services company mortgage lender, providing individuals and businesses alike with the most relevant real estate financial solutions.

Since being formed in 2008 as a private joint stock company partnership between Mubadala Development Company pjsc, Aldar Properties pjsc and ADCB, Abu Dhabi Finance has grown from strength to strength. This partnership brings years of local financial knowledge and real estate expertise, combined with the most solid financial backing in the UAE and a tangible sense of corporate social responsibility.

Abu Dhabi Finance offers innovative financial solutions ranging from residential and commercial mortgages to financial support services. This expertise, coupled with outstanding client service that sits at the heart of everything we do, has translated into numerous customer service and innovation awards since our launch. In 2013, Abu Dhabi Finance became the latest recipients of the Banker Middle East Awards, winning Best Home Finance Company and Best Home Finance Product. Abu Dhabi Finance has also won the Stevie’s Award for Customer Service and the President’s Award for Customer Experience Management for the UAE Customer Service Week STAR Awards.

In 2013, Abu Dhabi Finance expanded its footprint to Dubai, bringing its unique combination of world-class professionalism and intimate client care to the market.

We encourage our clients to aspire to the highest levels of service and to benchmark their expectations against the best internationally. It’s because we have a passion for our community and our clients that we are determined to go to extraordinary lengths to delight them and exceed their expectations.

Abu Dhabi Finance Core Values

  • At Abu Dhabi Finance we define success through the client’s eyes:
    We go to extraordinary lengths to delight our clients and we strive to exceed their expectations
  • We are dedicated to satisfying our clients and we serve them competently, efficiently, knowledgeably, and with flair

At Abu Dhabi Finance, we encourage ideas that are dynamic and creative and we strive to improve:

  • We think differently
  • We do things the right way
  • We welcome the opportunity to improve and develop ourselves and others

At Abu Dhabi Finance, we are one team where every idea and every person counts:

  • We are all equal
  • We recognize and celebrate each other’s achievements

At Abu Dhabi Finance, people and community are served with respect

  • We are proud to support the Abu Dhabi Plan 2030, to transform Abu Dhabi to a global capital city
  • We engage in our community and we embed corporate social responsibility into our business pillars
  • We give extra attention to people and change ourselves to honor our commitments