When is a mortgage amendment required instead of a full mortgage release?

A mortgage amendment is required when the existing mortgage remains active but its terms change—such as an increase in loan amount, extension of tenure, or restructuring with the same bank. A mortgage release or amendment depends on whether the loan is fully settled (release) or remains active with updated terms (amendment).

Can I apply for a mortgage amendment if my property is still off-plan?

Yes. The DLD allows amendments to provisional mortgages registered under Oqood for off-plan properties. The bank must issue an updated financing letter, and the amendment is entered into the provisional registry until the final Title Deed is issued.

Does the bank or the property owner request the amendment?

The amendment always originates from the financing entity, as the DLD updates the record only upon receiving an official amendment letter from the bank. The owner or authorised representative may then complete the registration at a trustee centre.

How long does it take to update mortgage details in the DLD system?

Most applications are processed within 10–15 minutes, provided the documents are complete and approved by the bank. The updated record is issued electronically and reflects the new mortgage terms immediately.

What documents are needed for property mortgage updates in Dubai?

You typically need the bank’s amendment letter, updated mortgage contracts, identification documents, and—for companies—trade licence and corporate resolutions. A Power of Attorney is required if a representative submits the request.

Can EGSH process all mortgage amendment types?

Yes. EGSH is authorised to handle all amendment categories recognised by DLD, including loan amount changes, tenure adjustments, usufruct amendments, provisional updates, and portfolio financing modifications. This falls under the DLD’s Trustee Services mortgage operations.

Can a mortgage amendment be done online without visiting a centre?

Banks may submit amendments directly through DLD’s online mortgage system. Owners must still complete verification steps if identification or additional documents are required.

What happens if the bank restructures my loan—do I need a mortgage amendment?

Yes. Any restructuring that changes financial obligations—including interest adjustments, tenure extensions, or repayment restructuring under a loan modification requires a formal amendment through DLD.

Is a mortgage amendment required if the valuation of the property changes?

Not always. Valuation changes alone do not trigger amendments. An amendment is required only when the valuation results in a revised financing amount or updated security rights recorded for the financing entity's mortgage rights.

Mortgage Amendment Application in Dubai – Fast & DLD-Compliant Processing

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Mortgage Amendment in Dubai

Update Your Mortgage Record Quickly and Securely Through an Authorised DLD Trustee Centre

Submit your mortgage amendment through EGSH, an authorised Real Estate Registration Trustee Centre operating under the Dubai Land Department (DLD). We process all types of mortgage amendments—including amount, term, usufruct, provisional, and portfolio updates—directly through DLD’s official system.

Why choose EGSH:

Authorised Real Estate Registration Trustee Centre—licensed by DLD to handle all mortgage amendment types.
Direct processing through DLD systems—all updates are submitted electronically on-site.
One-visit completion—the updated mortgage record is finalised during the same appointment.
Transparent, government-regulated fees—no unapproved or additional charges.

Your updated mortgage details are recorded in the Real Property Register, and the revised Title Deed or related certificate is issued electronically within 15 minutes.

Update Your Mortgage Record Quickly and Securely Through an Authorised DLD Trustee Centre

Visit EGSH

You can visit EGSH during working hours and receive immediate, VIP, queue-free service, or book your appointment online at a preferred time for your mortgage amendment application.

Provide Required Documents

Submit the bank’s mortgage amendment letter, updated mortgage contracts, identification documents, and any company papers (if applicable) so our consultants can verify that your application meets DLD requirements.

Application Entry and Fee Payment

EGSH enters the mortgage amendment details into DLD’s official registration system, confirms the amendment type and amounts, and you settle the applicable DLD and service partner fees through authorised payment channels.

Receive Updated Mortgage Documents

Once approved in the DLD system, your amended mortgage is recorded in the Real Property Register, and the revised Title Deed or related ownership certificate is issued electronically during the same visit.

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

Bank Amendment Letter

An official letter from the financing bank confirming the updated mortgage terms—whether amount, tenure, or type—issued in the format accepted by DLD.

Amended Mortgage Contracts

Updated mortgage contracts certified by the bank and signed by both parties, or the authenticated electronic version submitted directly through the bank’s online mortgage system.

Identification and Ownership Documents

UAE ID for identification (passport for non-residents), along with the Title Deed or Oqood, where required. Companies must also provide a valid trade licence and corporate documents.

Power of Attorney, If Represented

A legal POA is required if the applicant is acting on behalf of the owner; it must explicitly authorise mortgage or registration procedures and be attested if issued outside the UAE.

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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 a Mortgage Amendment in Dubai

A mortgage amendment is an official Dubai Land Department (DLD) procedure used to update the terms, value, or legal structure of a registered mortgage without cancelling or re-registering the underlying financing agreement. Instead of issuing a new mortgage record, the DLD modifies the existing entry in the Real Property Register to reflect the updated rights of the financing entity and the obligations of the property owner.

The process is governed by the regulatory framework that regulates real estate registration in Dubai, including Law No. (7) of 2006 Concerning Real Property Registration, Law No. (14) of 2008 on Mortgages in the Emirate of Dubai, and the implementing rules and electronic registration procedures issued by DLD for mortgage dealings.

Amendments may involve changes in the mortgage amount, loan tenure, mortgage type (ownership or usufruct), or the structure of provisional or portfolio mortgages registered during off-plan or multi-property financing. Once processed, DLD issues an updated Title Deed, Usufruct Title Deed, Statement Certificate, or Oqood record reflecting the revised mortgage details.

Types of Mortgage Modifications in Dubai

DLD recognises several categories of mortgage amendments, each applying to specific financing and property scenarios.

Standard Mortgage Amendment

Used to update the registered mortgage amount, extend the repayment term, modify repayment conditions, or reflect other changes in the loan structure agreed between the owner and the financing bank.

Usufruct Mortgage Amendment

Applies when the mortgaged right is usufruct rather than full ownership, requiring DLD to amend the registered mortgage to match changes in the underlying usufruct agreement.

Provisional Mortgage Amendment

Applies to off-plan properties registered under provisional sale (Oqood). This amendment covers all updates to the mortgage recorded at the provisional registration stage, including changes in financing amount, payment structure, or developer–bank arrangements before the Title Deed is issued.

Provisional Mortgage Amendment

Portfolio Mortgage Amendment

Applies when a bank finances multiple properties under a single mortgage agreement. The DLD updates the portfolio record to reflect changes in valuation, loan structure, repayment terms, or the composition of the financed property group.

Each amendment type has specific documentation and procedural requirements, but is executed through the same official DLD registration framework.

When Is a DLD Mortgage Amendment Required

A mortgage amendment is required when the existing mortgage remains active but the financing terms change, making the registered mortgage details inaccurate or outdated. The amendment request may be initiated by the financing bank or, depending on DLD and the procedures of the relevant trustee centre, by the property owner (mortgagor) if they provide an official amendment letter issued by the bank.

Common scenarios include:

Increase or decrease in the loan amount

The DLD updates the registered mortgage value, applying the statutory 0.25% fee on any increase.

Extension or modification of the loan tenure

Changes to repayment periods or schedules require a term-based amendment rather than a new mortgage.

Restructuring or refinancing with the same bank

When the financing bank adjusts the customer’s loan terms, DLD updates the mortgage instead of issuing a new record.

Updates to provisional or portfolio mortgages

Where payment plans, developer arrangements, or multiple-property financing structures are modified.

When the mortgaged right changes (ownership ↔ usufruct)

If the underlying right is altered, DLD updates the mortgage to match the new property interest.

A new mortgage registration is only required when the existing mortgage is fully released or when a different financing entity assumes the mortgage through a formal transfer.

Who Can Request a Change of Mortgage Terms in Dubai and Through Which Channel

A mortgage amendment may be requested only by parties that hold a legal role in the registered financing arrangement. The amendment must always originate from the financing entity (the mortgagee bank), as DLD updates the mortgage record exclusively based on the bank’s instructions and certified documents.

Property Owner (Mortgagor)

The owner may submit the amendment through a Real Estate Registration Trustee Centre (such as EGSH) once the bank has issued the official amendment letter and certified mortgage contracts. Owners cannot initiate a mortgage amendment without bank approval.

Financing Entity (Bank or Financial Institution)

Banks may submit the amendment directly through DLD’s online mortgage system. In this channel, the bank uploads the amendment documents, certifies the updated terms, and settles the DLD fees electronically.

Authorised Representatives

A legal representative may request the amendment on behalf of the owner or the financing institution, provided a Power of Attorney is submitted. The POA must explicitly authorise mortgage-related or real estate registration actions and must be properly attested and translated.

Corporate Owners and Establishments

Companies may request a mortgage amendment through a trustee centre, supported by trade licence documents, MOA/annexes, and, where required, notarised board resolutions authorising the modification.

All channels use the same DLD electronic system, and the amendment is recorded only after the DLD auditor validates the updated mortgage details and confirms the bank’s authorisation.

Legal and Practical Consequences of Mortgage Rights Modification in the UAE

A mortgage amendment has immediate legal effect once approved in the DLD system. The updated terms—whether related to the mortgage amount, tenure, or structure—become part of the Real Property Register.

Updated Legal Obligations

The property owner’s repayment obligations and the bank’s security rights are updated to reflect the amended mortgage contract. The previous version of the mortgage contract becomes unenforceable.

Revised Ownership Documents

DLD issues updated outputs such as an amended Title Deed, Usufruct Title Deed, Statement Certificate, or updated Oqood provisional certificate. These records replace any earlier versions.

Compliance for Future Transactions

All subsequent property transactions—sale, transfer, refinancing, inheritance processing, or mortgage release—must rely on the amended mortgage record. Using outdated mortgage terms may result in delays, rejections, or the need for additional approvals.

Bank and Regulatory Recognition

Financial institutions, courts, and government entities rely exclusively on the updated mortgage record stored in DLD’s register. The amendment ensures that the collateral structure reflects the current financing conditions without legal ambiguity.

A properly executed amendment maintains the enforceability of the mortgage and ensures that the property’s registration details remain compliant with UAE real estate and financial regulations.

Difference Between Mortgage Amendment and Mortgage Release or Transfer

A mortgage amendment, mortgage release, and mortgage transfer are three distinct procedures under DLD regulations, each producing different legal effects and requiring different documentation.

Mortgage Amendment

Used when the mortgage remains active but its terms change. This includes modifications to the loan amount, tenure, repayment structure, usufruct rights, provisional mortgage details, or portfolio financing arrangements. The mortgage record is updated, not cancelled.

Mortgage Release (Full Settlement and Removal of Mortgage)

Applied when the loan is fully repaid. The bank issues a liability clearance, and DLD removes the mortgage from the Real Property Register. A new Title Deed is then issued showing the property free of any mortgage. A release is not a modification—it permanently cancels the existing mortgage.

Mortgage Transfer (Switching to Another Bank/Assignment of Mortgage)

Used when the owner refinances the property through a new bank or when the mortgage rights are transferred between financing entities. DLD cancels the existing mortgage and registers a new one in favour of the new bank, following a two-step process: release of the old mortgage and registration of the new mortgage.

Mortgage Amendment Application Requirements

To submit a mortgage amendment application in Dubai, the property owner or authorised representative must provide documentation confirming the updated mortgage terms and the legal authority to process the amendment through the Dubai Land Department (DLD). Requirements vary depending on the applicant type and method of submission, but the core criteria remain consistent across all channels.

Bank-Issued Mortgage Amendment Letter

A formal amendment letter from the financing bank confirming the revised mortgage amount, tenure, structure, or other changes. This document serves as the legal trigger for the DLD to update the mortgage record.

Updated Mortgage Contracts

Amended mortgage contracts certified by the mortgagee bank and signed by both parties. When the amendment is submitted electronically through the bank’s online mortgage system, authenticated digital contracts are accepted.

Identification and Ownership Documents

For individuals: UAE ID for identification (passport for non-residents).

For corporate owners: trade licence, MOA and annexes (if applicable), and any supporting documents confirming authorised signatories.

Power of Attorney When Acting Through a Representative

A valid, properly attested POA is required when the application is submitted by a representative. The POA must explicitly authorise mortgage-related or real estate registration actions. Foreign POAs must be notarised, attested, and translated into Arabic per UAE legal requirements.

All documents are uploaded into the DLD’s system through the Trustee Centre or the financing bank’s digital channel for auditing before the amendment is approved.

Official Fees for the Mortgage Registration Amendment

Mortgage amendment fees in Dubai are determined by the Dubai Land Department and vary depending on the type of amendment being processed. All charges are applied according to the official DLD fee schedule and must be settled through DLD’s authorised payment channels.

Amendment of Mortgage Amount

A fee of 0.25% of the increase in the mortgage amount applies when the loan value is revised upward.

Amendment of Mortgage Term

A fixed fee of AED 1,000 applies when modifying the duration or repayment term of the loan.

Knowledge and Innovation Fees

AED 10 Knowledge Fee + AED 10 Innovation Fee per registration drawing, as mandated by DLD for all registration-related services.

Service Partner Fees (Trustee Centre Fees):

AED 2,000 for amendments involving an increase in the mortgage amount, plus VAT
AED 300 for amendments related to the mortgage term only, plus VAT

Approved Payment Channels

Fees may be paid via e-Pay, Noqodi wallet, Dubai Pay, or manager’s cheque payable to Dubai Land Department.

All outputs, including updated Title Deeds, Usufruct Deeds, Statement Certificates, or Oqood documents, are delivered electronically once the amendment is approved in DLD’s system.

Real Estate Registration Trustee Consultant at EGSH

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Muneer Juma Al Balushi

Real Estate Registration Trustee Consultant at EGSH

Muneer Juma Al Balushi has six years of experience in the real estate registration system of the Dubai Land Department, specialising in supporting clients with accurate, secure, and legally compliant property registration.

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Address

Art of Living Mall, 1st Floor, Al Barsha 2, Dubai, UAE

Phone

+971 4 612 1810

info@egsh.ae

Working Hours

Mortgage Amendment Application in Dubai

Mortgage Amendment in Dubai

Mortgage Amendment Process in Dubai

Mortgage Amendment Requirements and Documents

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What Is a Mortgage Amendment in Dubai