Home Loans Mortgage Overdraft


Use your asset to get cash

The ADCB mortgage overdraft facility allows you to borrow money against your home equity when needed.

7.15% From
variable interest rate
per annum
80% Up to
of the property value
10 Up to
overdraft facility

Keep in mind

  • A processing fee might be applicable to avail the facility
  • For the duration of the loan, insuring the property and maintaining a life insurance policy are mandatory
  • External evaluators shall be used to determine the property value, which may result in additional charges
Key benefits

  • Interest will only be levied on withdrawn funds
  • Operate your overdraft account as your 'normal current account'


  • Withdraw money for any purpose - as and when needed.
  • Borrow up to 80% of property value.
  • Overdraft facility available for up to 10 years.
  • All borrowing is on an interest-only basis. You can reduce the principle outstanding on your borrowing at any time.

Terms and conditions

ADCB loans will be made available at the sole discretion of ADCB, subject to ADCB's terms and conditions and upon submission of documentation acceptable to ADCB. To view the full Consumer Banking terms and conditions, click here.

Enjoy world-class and a superior customer experience when you bank with us.

In order to deliver the service you need we’d like to know more about you, so please complete this form and a member of our team will contact you personally.
  • We guarantee a response in 24 hours
  • Get in touch during opening hours (8am to 3pm from Sunday to Thursday and 8am to 1pm on Saturday). Alternatively, visit one of our mall branches between 10am to 10pm
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Other ways to apply

Contact centre

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Call our 24-hour contact centre on 600 50 2030.

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SMS 'HOME' to 2626 from your registered mobile number.

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