ADIB launches 3.99% fixed buyout rate for Q2 2026 — valuation and early-settlement fees waived

Abu Dhabi Islamic Bank (ADIB) has introduced a sharply priced fixed-rate buyout offer at 3.99%, valid through the end of Q2 2026. Two fee waivers come bundled — but read the fine print before you switch.

What changed

Key features of the new ADIB buyout product:

• 3.99% fixed rate, valid until end of Q2 2026 (30 June 2026).
• Applicable to buyout transactions only — not new purchases or top-ups.
• Valuation fee refund upon successful transaction completion (per promotion terms).
• Early settlement fee refund upon transaction completion. The early settlement fee itself is 1% of outstanding amount or AED 10,000 (whichever is lower). The liability letter from your current bank must explicitly mention the early settlement fee for the refund to apply.

Who this affects

This is a sharp offer for borrowers currently sitting on rates above 4.5%. The combined valuation + early-settlement refund effectively makes switching cost-neutral on a meaningful proportion of buyout cases. For an outstanding loan of around AED 2M at 4.99%, the lifetime saving from switching to 3.99% comfortably exceeds AED 100,000 over the remaining tenure.

The catch is the liability letter requirement. Some banks issue liability letters that lump fees together rather than itemising the early settlement fee. If yours does, the refund will not trigger. Always request an itemised liability letter from your current bank before initiating the switch.

What to do next

Pull your current rate, your outstanding balance, and your remaining tenure. If your rate is 4.5% or higher, the math almost certainly works in your favour. We can run the all-in switching cost analysis — including the liability letter check — in a single conversation.