Introduction: The Power of Refinancing in a Dynamic UAE Market The UAE’s mortgage landscape is evolving faster than ever. Interest rates, bank incentives, and property values change in quarterly cycles, giving borrowers constant opportunities to optimize their loans. For many homeowners, investors, and executives, the smartest financial move isn’t to close the mortgage—it’s to buy it out and transfer it to another bank for better terms. A mortgage buy-out (also known as a refinance or balance transfer) lets you shift your existing home loan from your current lender to a new one offering lower rates, improved repayment flexibility, or enhanced…