Buyout Mortgages

Helping You Move Forward on Your Terms

If you already have a home loan but are exploring if you could get a better deal, a mortgage transfer might be the right move.

This process allows you to shift your existing mortgage from your current bank to another lender offering more favorable terms—such as lower interest rates, better repayment options, or some other added benefits.

Many banks offer promotional rates and reduced processing fees to make the switch worthwhile. It’s a smart way to save money over time, lower your monthly payments, or simply take advantage of a more flexible loan structure without starting from scratch.

Key Features

  • Repayment plan options as per the customer age
  • Optional top-up loan
  • Available for all property types

FAQs

When is a buyout mortgage needed?
<ul> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Divorce or separation</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Business partner exits</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">One party wants to retain the property solely</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Inheritance situations with multiple heirs</span></li> </ul>
Do I need the other party’s consent?
<p><span style="font-weight: 400;">Yes, if both names are on the mortgage or property title, the other party must agree to the buyout and sign the necessary legal documents.</span></p>
Will I need a solicitor?
<ul> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Yes, it&#8217;s strongly advised. Legal professionals help:</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Draft a </span><b>transfer of equity</b></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Handle </span><b>land registry</b><span style="font-weight: 400;"> updates</span></li> <li style="font-weight: 400;" aria-level="1">Ensure compliance with <b>lender requirements</b></li> </ul>
Can I get a buyout mortgage if I have bad credit?
<p><span style="font-weight: 400;">It may be more difficult, but not impossible. Some lenders may offer solutions depending on your income, debt-to-income ratio, and overall financial profile.</span></p>
How long does the buyout process take?
<ul> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Generally, it can take </span><b>4–8 weeks</b><span style="font-weight: 400;">, depending on:</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Bank approval</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Valuation process</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Legal paperwork and cooperation from both parties</span></li> </ul>

Related Services

01. Refinance Mortgages

Refinancing allows property owners to replace their current mortgage with a new one often to secure a lower interest rate, adjust the loan term, or switch to a more suitable mortgage product.

It’s a practical way to reduce monthly payments, save on interest over time, or improve overall loan terms to better match your financial goals.

02. Islamic Home Finance

Islamic home finance is offered by Islamic banks or the Islamic windows of conventional banks, providing an alternative to traditional mortgages. These financing options are structured in a way that avoids charging interest, aligning with Islamic principles that prohibit Riba (usury). The most common structures include Murabaha (cost-plus financing) and Ijara (leasing), both designed to ensure that the financial transactions comply with Sharia law while allowing individuals to purchase houses.

03. Credit Card Services

As an ancillary service, we also arrange for our clients tailored credit card solutions from leading banks to meet their individual and business needs. Our team streamlines the application process, ensures competitive offers, and provides expert guidance to help you choose the right card—whether it’s for rewards, travel, cashback, or corporate use.

With strong banking partnerships and a client-first approach, we make access to financial flexibility simple and efficient.

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