How does salary transfer or non-salary transfer impact my mortgage repayments?

A salary transfer means your employer will give an undertaking to the bank that if you were to leave employment for whatever reason (e.g. if you lost your job, moved to another job or even moved outside of the UAE), that any end-of-service gratuity would go to the bank where the salary transfer is being made.

Some banks will give a slightly preferential rate if you undertake a salary transfer to them. Whether these rates are worthwhile is dependent on your situation and our team of expert mortgage brokers will be better able to advise you on this.


Our partners include some of the largest financial institutions in the UAE
  • Emirates NBD
  • Mashreq
  • Standard Chartered
  • Natwest
  • HSBC
  • Rakbank
  • Fab - First Abu Dhabi Bank
  • ADCB
  • Arab Bank
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