Dubai Mortgage Registration Process, Fees and Requirements
Approximately half of all ready property purchases in Dubai are financed through mortgages, and the number of mortgage transactions has been increasing by around 29–39% annually, according to the 2024 Residential Mortgage Market Report by Mortgage Finder (Property Finder). At the same time, arranging a mortgage in Dubai is often considered one of the more complex stages of buying property.
What does the process involve? What are the requirements for residents and non-residents? Which banks currently offer the most competitive rates, and where is the risk of rejection higher?
This article provides a step-by-step overview* of mortgage registration in Dubai, including eligibility criteria, fees, required documents, and recent updates.
What Is a Mortgage in Dubai?
A mortgage is a form of secured loan where a property is purchased with borrowed funds and the property itself is pledged as collateral.
Unlike a standard property purchase, where the buyer pays the full price upfront, a mortgage allows the buyer to make a down payment and finance the remaining amount through a bank or financial institution.
The loan is repaid in instalments over an agreed term, with interest or, in the case of Islamic finance, under Sharia-compliant profit structures.
Three parties are usually involved in a mortgage:
- The buyer (borrower), who acquires the property and commits to repay the loan.
- The lender (bank or financial institution), which provides the financing and secures its interest by recording the mortgage.
- The land authority which registers the mortgage against the property title, ensuring that the lender’s rights are legally protected.
In Dubai, mortgages must be registered with the Dubai Land Department (DLD) in line with Law No. 14 of 2008 Concerning Mortgages. Registration places the mortgage as an encumbrance on the property title, protecting the lender’s rights and preventing any sale or transfer without the bank’s consent until the loan is fully repaid.
Register Your Mortgage with EGSH
You can stop by EGSH during working hours without an appointment or book your visit at a time that suits you best.
Address
Art of Living Mall, Al Barsha 2, Dubai
Operating hours
Monday — Saturday: 9:00 am — 5:00 pm
Sunday: Closed
Types of Mortgages in Dubai
Mortgages in Dubai can be classified in several ways, depending on the purpose of the loan and the type of property being financed.
- New purchase mortgage – the most common option, where the bank lends against a completed property. It enables buyers to plan payments over time instead of paying the full amount upfront.
- Buyout mortgage – used to transfer an existing loan from one bank to another. This is typically done when a new bank offers lower rates or more flexible repayment terms.
- Refinancing or equity release – allows owners to unlock funds from the current value of their property. The released amount can be used for renovation, investment, or other financial needs.
- Handover finance – designed for off-plan properties that are close to completion, helping buyers cover the final instalments due at the handover stage.
Mortgages are also available in two main financing models. Conventional mortgages follow the interest-based structure familiar in most markets, while Islamic mortgages are Sharia-compliant and operate on profit-sharing or lease-to-own contracts. Both models are widely used in Dubai, but the first one is more popular. Non-Islamic finance is chosen by more than 77% of buyers.
Eligibility for a Mortgage in Dubai
Access to a mortgage in the UAE depends on your residency status, income level, and the type of property you intend to purchase. DLD permits both residents and non-residents to finance property through mortgages, but the eligibility rules and down payment requirements differ between categories.
UAE Nationals
Emirati citizens benefit from the most favourable mortgage terms, supported by both banks and government programmes. They are generally offered higher loan-to-value ratios and lower down payment requirements.
Key criteria:
- Minimum age: 21 years
- Stable employment and verifiable income
- Loan-to-value (LTV) up to 85% depending on property value
- Clean credit history through Al Etihad Credit Bureau (AECB)
According to the market insights, in 2024, approximately 95% of mortgage borrowers in Dubai were residents, while the remaining 5% were non-residents. By nationality, the largest share of buyers using mortgages came from the UK (40%) and India (30%), followed by Egypt (12%), France (9%), and Lebanon (9%).
Residents with a UAE Visa
Expatriates holding a valid residence visa can apply for mortgages from most major banks. Requirements are stricter than for nationals, but still offer access to competitive financing.
Key criteria:
- Valid UAE residence visa and Emirates ID
- Minimum monthly salary, often AED 15,000 or higher
- Employment with at least six months of continuous service
- Maximum age at loan maturity: 60–65 years (depending on bank policy)
- Down payment of at least 35–40% for properties below AED 5 million; some banks may require higher down payments (up to 50%) for high-value properties above AED 5 million
For residents, banks typically offer a wide choice of mortgage products, with terms of up to 25 years.
Non-Residents
Foreign investors without UAE residency can also access mortgage financing, but under more limited conditions. Only certain banks lend to non-residents, and approval often requires more documentation.
Key criteria:
- Property must be in a designated freehold area
- Minimum down payment of 35–40% (up to 50% for properties above AED 5 million)
- Lower loan-to-value ratios (50–65%) compared to residents
- Proof of income and banking history from the country of residence
- Passport from an eligible country as per bank policy
Non-resident mortgages are less flexible and usually carry higher interest rates. However, they remain a practical route for international buyers to access the Dubai property market.
Mortgage Eligibility in Dubai
01
UAE Nationals
— LTV up to 85%
— Down payment 35–40%
— Preferential terms through banks and government support
02
Residents with a UAE Visa
— Minimum salary: AED 15,000 / month
— Down payment: 35–40% (for properties under AED 5M)
— Loan term: up to 25 years
03
Non-Residents
— Eligible only in freehold areas
— Down payment: 35–40%
— Typical LTV: 50–65%
— Limited bank options, stricter documentation
04
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Most procedures are completed in a single visit to the centre.
How to Get a Mortgage in Dubai
The mortgage process in Dubai is governed by a clear legal framework established by the Dubai Land Department (DLD). While banks issue mortgage loans, the DLD ensures that they are properly registered and legally binding. Whether you are a resident or a non-resident, the steps are broadly the same, but requirements and fees may vary.
Step 1: Mortgage Pre-Approval
The first stage is obtaining a mortgage pre-approval from your chosen bank. This is a conditional confirmation of how much you are eligible to borrow, based on your income, existing debts, credit history, and residency status. Pre-approval confirms that you meet the bank’s lending criteria and provides clarity on the property budget you can realistically plan for.
Documents usually required for pre-approval include:
- Passport copy and Emirates ID (for residents)
- Valid UAE residence visa, if applicable
- Salary certificate and recent payslips
- Bank statements (typically last 6 months)
- For self-employed applicants: audited financial statements and trade licence
A pre-approval typically takes 3–5 working days and is valid for 45–60 days.
Step 2: Select a Property and Obtain Valuation
Once pre-approved, you can proceed to choose your property. To proceed with financing, the bank will require a valuation conducted by a company approved by RERA and registered with the Dubai Land Department (DLD). The purpose of this valuation is to establish the property’s fair market value, ensuring that the bank lends against a realistic figure rather than an inflated asking price.
- Valuation fee: payable by the buyer, with the amount set by the bank’s appointed valuation company.
- Validity: Valuation reports are typically valid for approximately 30 days.
- Scope: applies to all property types, including ready or off-plan apartments and villas.
If the property valuation is lower than the agreed purchase price, the bank will calculate the loan based on the lower figure. In such cases, you may need to increase your down payment to cover the difference.
Step 3: Get a No Objection Certificate (NOC) if Required
For certain properties, you will need to obtain a No Objection Certificate (NOC) before the mortgage can be registered. This applies to off-plan units, resale properties with developer-linked obligations, or transactions where an existing mortgage is being discharged. The NOC confirms that all debts have been settled and that there are no objections to completing the transaction.
Who issues it:
- Developer – for off-plan or developer-linked resale units.
- Bank (existing lender) – for properties already mortgaged, once the seller’s loan has been cleared.
Processing time: typically 3–7 working days, depending on the developer or the bank involved.
Without the relevant NOC, the Dubai Land Department will not proceed with the mortgage registration.
Step 4: Final Bank Approval
After valuation and submission of the NOC (if required), the bank carries out its final checks. These may include:
- Verifying employment status and income.
- Confirming the property’s eligibility for mortgage financing.
- Checking that the borrower’s debt burden ratio (DBR) does not exceed 50% (as per UAE Central Bank regulations).
Final approval usually takes 5–7 working days. Once approved, the bank issues a formal offer letter outlining the loan amount, interest or profit rate, repayment schedule, and any applicable conditions.
Register the Mortgage with DLD
The final step is mortgage property registration in Dubai. This is mandatory—without registration, the mortgage has no legal effect. Registration is typically conducted through an authorised Real Estate Trustee Centre.
At this stage:
- Both buyer and seller (or their legal representatives via Power of Attorney) attend a Real Estate Trustee in Dubai.
- Original documents are submitted, including:
- Signed sale and purchase agreement (SPA or MOU)
- Title deed (for ready properties) or Oqood certificate (for off-plan)
- NOC from the developer (if applicable)
- Bank’s final offer letter and related documents
DLD calculates and collects a mortgage registration fee of 0.25% of the loan amount, plus an administrative fee. Additional DLD fees, such as the knowledge fee (AED 10) and innovation fee (AED 10), may also apply.
The mortgage is entered into the DLD system as an encumbrance on the property title.
The updated title deed, showing the mortgage annotation, is issued and delivered to the buyer and the bank.
The entire mortgage registration appointment typically takes 30–60 minutes. Once complete, the buyer officially becomes the property owner, and the bank’s rights are legally secured.
According to Law No. 14 of 2008 Concerning Mortgages in the Emirate of Dubai, any mortgage that is not registered with the DLD has no legal validity. Buyers should always ensure that their mortgage is recorded correctly to avoid future disputes or complications.
Visit EGSH for VIP Service Without Queues
You can stop by EGSH during working hours without an appointment or book your visit at a time that suits you best.
Address
Art of Living Mall, Al Barsha 2, Dubai
Operating hours
Monday — Saturday: 9:00 am — 5:00 pm
Sunday: Closed
Typical Mortgage Requirements in Dubai
When applying for a mortgage in Dubai, buyers should be aware not only of the standard eligibility rules but also of the specific nuances that banks and the Dubai Land Department (DLD) apply in practice. Below we summarise the main requirements and conditions in the UAE.
Mortgage in Dubai for Residents
Residents with a valid UAE visa have access to a wide range of mortgage products in Dubai. Here are examples of mortgage packages currently available to residents in 2025:
1. Mashreq – Offers home loans with financing of up to 85% of the property value, depending on profile and property type. Applications can be pre-approved instantly through the bank’s digital platform, and repayment terms extend to 25 years.
2. Emirates NBD – Provides home loans for residents and expatriates with a minimum monthly income requirement of AED 15,000. Packages include financing for ready properties, buyout of existing loans, and refinancing options. LTV ratios for residents are often up to 80%.
3. First Abu Dhabi Bank (FAB) – Offers mortgage loans for residents with amounts of up to AED 10 million, tenors up to 25 years, and a choice of fixed or variable rate packages. Variable products are usually linked to EIBOR or the bank’s reference rate (MBR).
4. Abu Dhabi Islamic Bank (ADIB) – Provides Sharia-compliant home finance for residents, with profit rates marketed from around 3.99% p.a. Financing can reach up to 80% LTV, and self-employed applicants are eligible with additional documentation.
5. Dubai Islamic Bank (DIB) – Offers a wide range of Sharia-compliant home finance options for residents, including ready property purchase, buyout, and refinancing. Products are structured under Ijara and Murabaha contracts, with terms ranging from 1 to 25 years.
6. Emirates Islamic – Markets the home finance programme with rates from 3.49% p.a. and financing up to 80% for expats and 85% for UAE nationals, depending on the property and applicant profile.
Key takeaways for residents: In most cases, residents can access up to 75–85% LTV. Loan sizes are generally available up to AED 10 million with repayment terms of up to 25 years. Both conventional and Islamic packages are widely available, giving residents flexibility in choosing between fixed, variable, or Sharia-compliant profit structures.
Mortgage in Dubai for Non-Residents
Non-residents can finance property purchases in Dubai, but the conditions are stricter than for residents. The primary limitations include lower loan-to-value (LTV) caps, higher down payments, and more stringent eligibility criteria. Here is what the major banks advertise in 2025:
1. HSBC – Offers non-resident mortgages with up to 60% LTV. Borrowers can choose between fixed-rate packages (typically 2–5 years) or variable packages linked to the 3-month EIBOR. Approval can be issued quickly, but final applications are generally restricted to Premier or Global Private Banking clients.
2. Mashreq – Provides non-resident home loans of up to AED 10 million, with repayment terms of up to 25 years. Financing typically covers around 50–60% of the property value, based on an independent valuation.
3. First Abu Dhabi Bank (FAB) – Offers non-resident mortgages up to AED 10 million, with both fixed and variable products available. Variable loans are linked to EIBOR or MBR (the bank’s reference rate). FAB highlights no fee for approval.
4. Abu Dhabi Islamic Bank (ADIB) – Markets Sharia-compliant non-resident finance with profit rates starting from 3.99% p.a., financing up to 50% of property value, and loan amounts of up to AED 30 million for eligible profiles.
5. Dubai Islamic Bank (DIB) – Runs a dedicated Non-Resident Programme offering Sharia-compliant structures such as Ijara, with a simplified “Low-Doc” policy. Specific loan terms are set individually through a finance advisor.
6. Emirates NBD – Extends home loans to non-residents, generally requiring a minimum monthly income of AED 15,000, and the LTV typically falls in the 50–60% range.
Key takeaways for non-residents: Be prepared to contribute 40–50% as a down payment, with maximum loan tenors of up to 25 years. Islamic products may start with a profit rate below 4%, while most conventional mortgages revert to EIBOR plus a bank margin once the initial fixed-rate period ends.
Mortgage in Dubai: Residents vs Non-residents (2025)
Required Documents for a Mortgage in Dubai
Applying for a mortgage in Dubai involves submitting a clear set of documents to the bank and the Dubai Land Department (DLD). The exact paperwork depends on whether you are a resident or a non-resident.
For Residents
Applicants with a valid UAE visa must provide standard identification and proof of income. This includes:
- Passport
- Residence visa
- Emirates ID
- Salary certificate issued within the last 30 days
- Recent payslips
- Bank statements for the last six months
Self-employed individuals are required to submit a trade licence and audited accounts.
Property-related documents include:
- Sale and Purchase Agreement (SPA) or Memorandum of Understanding (MOU)
- Title deed (for ready properties) or Oqood certificate (for off-plan units)
- No Objection Certificate (NOC), if applicable
Finally, the bank’s mortgage offer letter is required for registration.
For Non-Residents
International buyers must provide:
- Valid passport from an eligible country
- Evidence of overseas income, such as a salary certificate, tax return, or employer reference
- Bank statements covering 6–12 months
- Proof of address in the country of residence (for example, a utility bill)
Any documents issued outside the UAE generally require notarisation or attestation.
In addition, non-residents must submit:
- SPA or MOU
- Title deed or Oqood certificate
- Valuation report prepared by a DLD-approved surveyor
- Final mortgage offer letter from the lending bank
The SPA or MOU outlines the agreed-upon sale terms between the buyer and seller. The title deed is required for completed (ready) properties, while the Oqood certificate applies to off-plan properties.
Register Your Mortgage with EGSH
You can stop by EGSH during working hours without an appointment or book your visit at a time that suits you best.
Address
Art of Living Mall, Al Barsha 2, Dubai
Operating hours
Monday — Saturday: 9:00 am — 5:00 pm
Sunday: Closed
How Mortgage Registration Works in Dubai
All mortgages in Dubai must be formally registered with the DLD to be legally valid. Registration is carried out either through the online mortgage system (where the bank uploads the documents) or at authorised Real Estate Trustee Centres. The process is fast — typically completed in 30–60 minutes — and results in an updated title deed showing the mortgage annotation.
During registration, the DLD verifies the documents, collects the applicable fees, and issues the outputs (such as a title deed, certificate of mortgage, or statement of registration). The specific requirements depend on the type of mortgage transaction being registered.
Standard Mortgage Registration
The service covers the registration of all types of mortgages, including usufruct, provisional and portfolio mortgages. It secures the lender’s rights by recording the mortgage on the property title.
Key requirements:
- Letter from the mortgagee bank
- Three signed and certified mortgage contracts
- UAE ID or valid passport (for non-residents)
- E-NOC from the developer (for off-plan sales)
- Power of attorney if acting through a representative
- For companies: trade licence, memorandum of association, board resolution (as applicable)
Process: The bank submits documents online, or the applicant visits a Trustee Centre. The DLD audits the application, deducts fees, and issues the updated title deed electronically.
Registration of the Sale of a Mortgaged Property
This procedure applies when you need to register the sale of a mortgaged property. It ensures that the bank’s outstanding loan is cleared before the transfer to the new owner.
Key requirements:
- Liability letter from the bank or developer
- UAE ID of seller and purchaser (or passport for non-residents)
- Three manager’s cheques (to bank/developer, to seller, and to DLD for the 4% fee)
- Power of attorney if acting through a representative
Process: The buyer and seller visit a Trustee Centre, where the documents and cheques are verified and uploaded for processing. The DLD issues a preliminary registration certificate. Once the seller provides the mortgage release letter, the sale and transfer are finalised, and the new title deed is issued.
Grant Property Mortgage
This service applies when you need to grant a property mortgage for a construction project or a new building. It ensures that the financing bank’s rights are protected during development.
Key requirements:
- Municipality map
- Letter from the mortgagee bank
- Three signed and certified mortgage contracts
- UAE ID of the owner
- Valid building permit (issued within one year)
- Tripartite contract between owner, consultant, and contractor
Process: The bank submits documents through its online mortgage system. The DLD audits the file, deducts fees, and issues the confirmation electronically. The mortgage value must not exceed the approved building value.
All types of mortgage transactions – from standard registration to the sale of a mortgaged property or a grant property mortgage – can be completed at EGSH, a licensed government services centre in Dubai. At EGSH, a dedicated consultant will review your case, help prepare the required documents, and guide you through the full registration process with the Dubai Land Department, ensuring that everything is finalised in a single visit.
Mortgage Registration Fees in Dubai
The Dubai Land Department applies fixed government charges for mortgage registration, which vary depending on the type of transaction. All Dubai Land Department fees are paid during the registration process at an authorised Real Estate Trustee Centre or via approved digital platforms. Payments can be made through ePay, the Sadad Dubai platform, Noqodi, or by manager’s cheque in favour of the Land Department.
In 2025, the following DLD fees in Dubai are applicable for mortgage registration.
Standard Mortgage Registration Fees
For a standard mortgage registration, the following charges apply:
- 0.25% of the mortgage value
- AED 250 for issuance of a title deed (per deed)
- AED 10 knowledge fee per drawing
- AED 10 innovation fee per drawing
Service partner fees:
- AED 4,000 + VAT for ordinary mortgages
- AED 5,000 + VAT for provisional (Oqood) mortgages
These costs form part of the official Dubai property purchase costs, and buyers should budget accordingly.
Fees for Registering the Sale of a Mortgaged Property
The mortgaged property sale registration involves both the release of the existing mortgage and the transfer of ownership to the new buyer. The following charges are payable:
- AED 1,000 registration fee
- AED 525 for mortgage release procedure + AED 315 registrar release fee
- 4% sales registration fee — may be calculated after deducting the outstanding mortgage amount, depending on the policy of the bank and Real Estate Trustee Centre
Registrar’s fee:
- AED 2,100 if the property price is below AED 500,000
- AED 4,200 if the property price is AED 500,000 or above
- AED 250 for title deed issuance
- Mapping fees: AED 100–250 depending on land or apartment type
- AED 10 knowledge fee and AED 10 innovation fee per drawing
Additionally, if a new mortgage is registered as part of the transaction, a charge of 0.25% of the loan amount is applied. Registrar’s fees are waived if the mortgage and sale registration take place on the same day. These charges are an integral part of buying property in Dubai. Fees should be factored into the calculation of total transaction costs.
Grant Property Mortgage Fees
For mortgages granted to finance the construction or purchase of new buildings, DLD charges 0.25% of the mortgage value, provided the financing does not come from the Mohammed bin Rashid Housing Establishment.
Key Takeaway
The core mortgage registration fee in Dubai is 0.25% of the loan amount. However, additional Dubai Land Department fees (title deed issuance, mapping charges, service partner fees) apply depending on the type of transaction.
Government fees are paid at the moment of registration in an authorised Real Estate Trustee Centre or via the DLD’s approved digital platforms. Payment methods include:
- Noqodi (widely used in Trustee Centres),
- ePay and the Sadad Dubai platform (for online services),
- Manager’s cheque issued in favour of the Dubai Land Department (commonly required for larger transactions).
The choice of payment method depends on the service channel: if the mortgage is registered directly through a bank via the online mortgage system, fees are debited from the bank’s account. If the transaction is completed at a Trustee Centre, the buyer pays the required fees on the spot using Noqodi or manager’s cheque.
Summary of DLD Mortgage Registration Fees (2025)
Case Study: Buying Off-Plan Apartments in Dubai with a Mortgage (AED 1.6M)
In this case study, we show how much a buyer would typically spend when purchasing off-plan apartments in Dubai with a mortgage of AED 1.6 million. In 2025, additional costs include bank fees, Dubai Land Department (DLD) charges, insurance premiums and other mandatory expenses that go beyond the down payment.
Typically expenses for a AED 1.6M off-plan purchase in 2025:
- Down payment (20%) – AED 320,000
- Bank arrangement / processing fee (0.5–1% of loan) – AED 6,000–12,000
- Valuation fee – AED 2,500–3,500
- Life insurance (annual premium) – ~AED 3,600
- Property/building insurance (annual) – ~AED 2,000–5,000
- DLD transfer fee (4% of purchase price) – AED 64,000
- Title deed issuance – AED 250
- Mortgage registration fee (0.25% of loan amount) – AED 3,000
- Administrative fee (DLD/bank) – AED 290
- Knowledge & innovation fees – AED 20
- Service partner fee (Trustee Centre) – ~AED 4,000
- Land/building map fee (if applicable) – AED 100–250
- Legal/consultancy services – AED 5,000–10,000
- Other costs (notary, attestation, overseas documents) – AED 2,000–5,000
To purchase an AED 1.6 million off-plan property in Dubai with mortgage financing in 2025, the buyer should be prepared to pay approximately AED 445,000–463,000 at the time of property registration. This includes the down payment, government fees, bank charges, insurance, and mandatory registration costs.
After Mortgage Registration — What Buyers Should Know
Once a mortgage has been registered with the DLD, property owners should be aware of the key rules and procedures that apply during the term of the mortgage loan in Dubai.
Legal Rights & Obligations Under Law No. 14 of 2008
- The mortgage becomes effective from the date of registration, and its rank is determined accordingly.
- You still retain management rights over the property (e.g., leasing, use), unless foreclosure is enforced.
- You cannot sell, transfer or dispose of the mortgaged property without the lender’s consent, unless the buyer agrees to take on your obligations under the mortgage.
- Once the debt is fully repaid, the mortgage is terminated, and the lender is required to deregister it.
- If multiple mortgages are registered on the same property, priority is given to the one registered earlier (first-to-record principle).
Administrative & Practical Steps
- Monitor statements & payments: Always review your monthly mortgage statements to ensure payments are applied correctly.
- Title deed check: After registration, make sure the title deed is annotated with the mortgage. If not, follow up via the Trustee Centre or DLD.
- Insurance & maintenance: Many banks require the property to remain fully insured and maintained during the mortgage term.
- Early settlement & prepayment: If you decide to repay ahead of schedule, review your bank’s policy for prepayment penalties or fees.
- Notification to DLD / bank: If your employment status or visa changes materially, some banks require you to inform them—failure to do so could impact your mortgage standing.
- Keep documents safe: Store your deed, mortgage certificate and all related documents in both electronic and physical form.
What To Do in Special Cases
Mortgage release/deregistration: After full repayment, request a mortgage release letter from your lender and submit it to the DLD to have the mortgage annotation removed.
Assignment of mortgage: If the lender sells or transfers its rights to another bank, the assignment must also be registered with DLD.
Damage or destruction of property: If the property is partly destroyed, the mortgage continues on the replacement property; the lender may intervene to protect their interest.
Frequently Asked Questions About Mortgage Registration In Dubai
What is Mortgage Registration?
Mortgage registration is the process of recording a loan with the Dubai Land Department (DLD). It secures the bank’s rights on the property until the loan is fully repaid.
When do I Need to Pay Fees for Buying Property in Dubai?
Government fees, including transfer charges and mortgage registration fees, are paid at the time of registration in a Trustee Centre or through DLD’s digital platforms. They must be settled before the title deed is issued.
How Can I Find a Mortgage Company in Dubai That Will Approve My Loan?
Start with major UAE banks, many of which publish clear eligibility criteria and offer pre-approval online. Mortgage brokers can also help compare offers and match your profile with the right lender.
How Can I Quickly and Efficiently Register a House Mortgage in Dubai?
The fastest option is to use an authorised Real Estate Trustee Centre, such as EGSH, where the full process takes around 30–60 minutes. Your consultant will review documents, collect fees, and issue the updated title deed during a single visit.
*This guide provides general information about mortgage registration in Dubai as of October 2025. Requirements and fees may change. Always verify current information with the Dubai Land Department, EGSH, and your chosen financial institution. This is not financial or legal advice.
Reviewed by
Muneer Juma Al Balushi
Real Estate Registration Trustee Consultant
Muneer Juma Al Balushi has six years of experience in the real estate registration system of the Dubai Land Department. He specialises in accurate, secure, and legally compliant property registration.
