Access the equity in your UAE home — without selling it. Sharia-compliant home equity lines of credit designed for Dubai and Abu Dhabi homeowners.
See how much equity you could access in 60 seconds
We'll verify through DLD Open Data when you apply.
We exist to unlock the value that homeowners have built — giving them the freedom to invest in their futures without giving up the homes they've earned.
There are hundreds of thousands of families in the UAE sitting on significant equity — wealth they've accumulated through years of hard work, sacrifice, and commitment. That wealth is real, but it's trapped. We're building something different: a financial tool that treats homeowners as partners, not applicants.
Access your home equity in four straightforward steps
Simply upload your title deed. We verify through Dubai Land Department's open data.
Our system calculates your property's current market value automatically.
Get your credit limit approved within days. No lengthy paperwork.
Draw funds when you need them. Repay and redraw flexibly.
We're building more than a product. We're building a company that earns trust.
No hidden fees. No complex terms. No surprises. We tell you exactly what our product costs.
We succeed when you succeed. We're not here to extract value, but to help you realize it.
We're building the best home equity experience in the world — every touchpoint, every detail.
Financial services has a trust problem. We earn yours by being completely transparent.
You worked hard to own your home. We respect that in every interaction.
We challenge conventional thinking not for novelty, but to serve you better.
AED in trapped home equity across UAE
of UAE properties are unencumbered
Dubai property appreciation since 2010
maximum loan-to-value ratio
Important Notice: HELOC.ae is currently in development and seeking regulatory approval from the Central Bank of UAE (CBUAE). We are not yet licensed to offer financial products or services. Information on this website is for informational purposes only and does not constitute an offer or solicitation.