What is a grant mortgage registration in Dubai?

Grant mortgage registration is the official DLD process of recording a property mortgage in Dubai in favour of a financing bank. It legally secures the lender’s rights and prevents the property from being sold or transferred without the bank’s consent.

How long does the DLD mortgage registration process take?

Once all documents are uploaded through the e-Mortgage system, the DLD completes the mortgage registration and issues the official DLD mortgage certificate within 15–20 minutes.

What is the DLD mortgage certificate, and why is it important?

The DLD mortgage certificate is the official document confirming that a property has been pledged as collateral. It provides legal protection for the lender and the owner until the mortgage is fully repaid and released.

What is the difference between a house mortgage and a land mortgage in Dubai?

A house mortgage secures a loan against a completed building or villa, while a land mortgage is registered for a vacant plot, often for construction financing. Both must be registered with the DLD to be legally valid.

Can I mortgage an owned property in Dubai without selling it?

Yes. Property owners can mortgage their property in Dubai without selling it. The mortgage is registered with the DLD through the e-Mortgage system, allowing the owner to retain ownership while the property is pledged as loan collateral.

Can non-residents register a mortgage in Dubai?

Yes. Non-residents can obtain and register mortgages in Dubai through UAE-licensed banks for properties located in freehold areas. The process and legal registration are the same as for residents and must be completed through the DLD e-Mortgage system.

What happens after the mortgage is fully repaid?

Once the loan is cleared, the bank issues a mortgage release letter, which must be submitted to the DLD to officially cancel the registered mortgage. The DLD then updates the property record and removes the charge from the title deed.

Grant Mortgage Registration Dubai – Register Property Mortgage with DLD

Name: Grant Mortgage Registration
Brand: EGSH

Grant Mortgage Registration Services in Dubai

Legal Protection for Property Used as Loan Collateral

Register your property mortgage in Dubai through EGSH, an authorised Real Estate Services Trustee Centre operating under the Dubai Land Department (DLD). We coordinate directly with your bank through the official e-Mortgage system, verify all documents, calculate the mortgage registration fee, and complete the payment securely for same-day DLD processing.

Benefits of choosing EGSH for grant mortgage registration:

Authorised by the DLD
Completed in one visit
VIP service without queues

All registrations are processed at officially regulated DLD fees with full legal compliance and issuance of the official DLD mortgage certificate.

Legal Protection for Property Used as Loan Collateral

Contact EGSH

Visit our authorised centre during working hours—no prior appointment required. You can also book your visit online at a convenient time.

Bank & Document Review

We verify all required documents with your bank— mortgage letter, certified contracts, municipality map, and owner’s UAE ID.

Application Submission

The bank uploads documents to the DLD e-Mortgage system, and the mortgage registration fee is paid securely through Noqodi.

Receive Mortgage Certificate

The DLD mortgage certificate is issued electronically within 15–20 minutes, confirming your property is pledged as collateral.

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

Call +971 4 612 1810 WhatsApp

Property Documents

Provide a valid municipality map and, if applicable, a building permit.

Bank Documents

Submit the mortgage letter and three certified mortgage contracts from your bank.

Owner Identification

Please provide the UAE ID of the property owner for verification purposes.

Construction Contracts (if applicable)

Submit the tripartite agreement between the owner, consultant, and contractor.

Take a 3D Tour of EGSH

VIP Service

Personal assistance and priority processing with no queues.

Affordable Fees

Official government rates with transparent, fixed pricing.

All Services in One Place

Comprehensive range of UAE government services under one roof.

One-Visit Completion

Most procedures are completed in a single visit to the centre.

What Is Grant Mortgage Registration in Dubai

Grant mortgage registration in Dubai is the official process of recording a property mortgage with the Dubai Land Department (DLD). It confirms that a property has been pledged as collateral for a bank loan or financing facility, protecting the lender’s rights until the loan is repaid.

The registration places a legal charge on the property, preventing its sale or transfer without the mortgagee’s consent. This process ensures full transparency and legal protection for the property owner and the financing bank.

All mortgage registrations in Dubai are completed electronically through the DLD e-Mortgage system, with applications submitted by the financing bank or through an authorised Real Estate Services Trustee Centres such as EGSH.

Legal Basis and Eligibility for Property Mortgage Registration

The procedure is regulated under Law No. (14) of 2008, Regulating the Mortgage of Real Property in the Emirate of Dubai and the DLD real estate mortgage rules. Under this law, a mortgage is valid and enforceable only after it is registered in the official DLD real estate register.

Grant mortgage registration in Dubai is required when:

A property owner or company uses real estate as collateral for a bank loan.
A first-degree or second-degree mortgage is being created on a property.
A construction or building mortgage is issued and linked to a tripartite agreement between the owner, consultant, and contractor.

This applies to residential, commercial, and land properties across Dubai, including freehold and leasehold titles.

Procedural Features and Requirements of Mortgage Registration

All applications for grant mortgage registration are processed electronically through the DLD e-mortgage system by licensed banks. The bank prepares the mortgage e-form, uploads all supporting documents, and submits the transaction for DLD review.

Key requirements include:

Municipality map of the property
Mortgage letter and three certified mortgage contracts from the bank
Owner’s valid UAE ID
Building permit or amendment works permit (issued within the past year)
Tripartite agreement between owner, consultant, and contractor (for building mortgages)

The mortgage value cannot exceed the total value of the property or building, as assessed under DLD regulations.

Government Fees for Mortgage Registration in Dubai

The official mortgage registration fee in Dubai is 0.25% of the mortgage value, charged by the DLD. All payments are made securely via Noqodi, the authorised DLD payment channel.

For properties financed through the Mohammed bin Rashid Housing Establishment, separate rules and exemptions may apply.

EGSH specialists provide a detailed fee breakdown before submission to ensure complete cost transparency and compliance with official DLD regulations.

Where to Complete the Mortgage Registration

Grant mortgage registration in Dubai can be completed only through the Dubai Land Department website (online mortgage system) or via authorised Real Estate Services Trustee Centres such as EGSH.

These are the official DLD channels for submitting the mortgage e-Form, uploading documents, and paying the mortgage registration fee through Noqodi. The DLD issues the mortgage certificate electronically after review.

It is often more convenient to apply through Real Estate Services Trustee Centres such as EGSH. Consultants coordinate with your bank, verify documents, calculate fees and manage e-submissions from start to finish.

The client receives guidance and same-day processing without queues, a clear cost breakdown before submission, and expert support, making grant mortgage registration in Dubai fast, compliant, and stress-free.

Real Estate Services Trustee Consultant at EGSH

Explained by

Randa Sameer

Real Estate Services Trustee Consultant at EGSH

Randa Sameer has over three years of experience supporting Dubai Land Department transactions and real estate registrations. Her professional focus includes compliance with DLD regulations, ownership transfers, and trustee documentation.

Sale of Mortgaged Property Registration

Sell your mortgaged property in Dubai with complete legal protection.

Title Deed Issuance

Property Ownership Inquiry

Submit a property ownership inquiry through EGSH.

All Services

View all Real Estate & Property Management Services

Frequently Asked Questions About Dubai Property Mortgage Registration

Still have any questions?

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