Your property has grown. Put it to work.
Zahrany Zawahir · 3 min read
Consider a simple scenario. You purchased a property in 2022 for AED 1M. Today its market value is AED 1.4M. On paper, this represents a profit of AED 400,000, but that profit is unrealised. It cannot be used for other objectives unless the property is sold.
Equity release allows property owners to unlock a portion of their asset's increased value without selling it. The bank reassesses the property at current market value, compares it to any outstanding mortgage, and provides access to equity. Ownership remains unchanged, and you continue to benefit from future appreciation.
The released capital can be used strategically, for example, reinvested into another property. In a market where motivated sellers are increasingly present, access to liquidity creates a significant advantage.
If your property has appreciated by 30 to 40 percent or more, it may be worth reviewing your position. In many cases, the most effective strategy is not reducing your holdings, but leveraging them more intelligently.
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