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See how linking your savings account to your mortgage can cut your interest payments, shorten your loan, and save you thousands.
Enter your mortgage details and savings balance to see how much interest you can save
⚠ Calculations are illustrative estimates only. Offset mortgage products and terms vary by lender. Time saved assumes the savings balance remains constant throughout the tenure. This tool does not constitute financial advice. Speak to a Neon Mortgage advisor for a personalised assessment.
Our advisors will check current offset mortgage availability from UAE banks and compare it against standard products.
Get Expert AdviceHere is a worked example based on a typical Dubai mortgage. Interest rates are illustrative.
1. What is an offset mortgage in the UAE?
An offset mortgage links your savings account to your mortgage. The bank calculates interest only on the difference between your outstanding loan and your savings balance. If your mortgage is AED 1.5 million and you have AED 200,000 in savings, you only pay interest on AED 1.3 million — reducing your monthly payment and total interest significantly.
2. Are offset mortgages available in the UAE?
Yes, though availability is limited compared to standard mortgages. A small number of banks in the UAE — particularly international banks — offer offset mortgage products, often to premium or high-income customers. Speak to a Neon Mortgage advisor to check current availability and whether your profile qualifies.
3. Can I still access my savings with an offset mortgage?
Yes. Your savings remain fully accessible in an offset arrangement. You do not earn interest on them, but instead benefit from paying less interest on your mortgage — which is typically more financially advantageous, particularly in a high-rate environment.
4. Who benefits most from an offset mortgage?
Offset mortgages work best for people who maintain a consistently high savings balance relative to their mortgage. If your savings are AED 300,000 or more against a AED 1.5 million mortgage, the interest reduction is substantial. They are also ideal for business owners or freelancers who hold large cash reserves between income cycles.
Our advisors will check if an offset mortgage is available for your profile and compare it to the best standard rates in the market.
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