What is mortgage registration, and why is it required in Dubai?

Mortgage registration is a legal process at the DLD that records a property mortgage in favour of a financing entity. Under Law No. 14 of 2008, all financed properties must be registered to secure the lender's rights and make the mortgage legally binding and enforceable. The registration ensures the financing entity has priority over other creditors and prevents unauthorized sale or transfer of the property while the mortgage remains active.

How long does the mortgage registration process in Dubai take?

The Dubai mortgage registration process takes 25 minutes once all documents have been verified and submitted. The updated Certificate of Title or Usufruct Title Deed with mortgage notation is sent via email immediately after registration through the DLD system.

What happens after a mortgage is fully repaid?

Once repaid, the bank issues a clearance letter that must be registered with the DLD to remove the mortgage from the Title Deed. Until deregistration is complete, the mortgage remains recorded in the DLD property register.

What types of mortgages can be registered with the DLD?

The DLD accepts registrations for first-degree mortgages (initial loans), second-degree mortgages (subsequent loans), usufruct mortgages (financing on long-term usufruct rights), provisional mortgages (off-plan properties under Oqood), and portfolio mortgages (multiple properties) in Dubai. Each type is processed through the DLD e-mortgage system following the same legal framework.

What are the mortgage registration fees in Dubai?

The DLD registration fees include 0.25% of the mortgage value, AED 250 for each Title Deed issued, AED 10 knowledge fee, and AED 10 innovation fee per drawing. Service partner fees are AED 4,000 plus VAT for ordinary mortgages and AED 5,000 plus VAT for provisional (Oqood) mortgage

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.

Mortgage Registration in Dubai – Secure Property Mortgages with DLD & EGSH

Name: Mortgage Registration
Brand: EGSH

Mortgage Registration Services in Dubai

Official DLD Process for Property Mortgage Recording

Register your property mortgage in Dubai at EGSH, an authorised Real Estate Registration Trustee Centre under the Dubai Land Department (DLD). Our dedicated consultant manages every step, from mortgage contract verification and fee calculation to the issuance of an updated title deed, all completed in one visit.

Why choose EGSH for mortgage registration:

Authorised by the Dubai Land Department
Completed in one visit
VIP service without queues

All services are provided at officially regulated DLD fees, and the registration process is typically completed within 25 minutes, excluding document preparation time.

Official DLD Process for Property Mortgage Recording

Contact EGSH

Visit our authorised centre during working hours, no appointment needed. You can also book your appointment online at a convenient time.

Document Review

Our consultants review your mortgage contracts, bank letter, E.NOC, Emirates ID, and other supporting documents to ensure full DLD compliance.

Fee Payment & Submission

Official DLD mortgage registration fees are calculated and paid securely at the centre. EGSH submits your application directly to the DLD system.

Certificate Issuance

Receive your updated Certificate of Title or Usufruct Title Deed with mortgage notation by email within 25 minutes of completing the registration.

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

Individual Applicants

A bank letter, three certified mortgage contracts, E.NOC, and a valid ID or passport copy.

Individual Establishments

A trade licence, the owner’s Emirates ID or passport, and a notarised power of attorney, if required.

Limited Liability Companies

A trade licence, job title certificate, MOA with annexes, and board resolution or power of attorney.

Bank Submissions

The developer’s E.NOC is uploaded directly through the DLD e-mortgage system by the financing entity.

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 Mortgage Registration in Dubai

Mortgage registration is the official process through which the Dubai Land Department (DLD) records a property mortgage in favour of a financing institution. It applies to ordinary, provisional, usufruct, and portfolio mortgages, including first-degree and second-degree arrangements.

The registration legally secures the lender’s rights over the mortgaged property and prevents any sale, transfer, or re-registration until the mortgage is repaid and officially discharged by the DLD. It is a mandatory requirement for all bank-financed property purchases in Dubai.

Once registered, the mortgage becomes binding on third parties and fully enforceable under Dubai property law. The updated Title Deed reflecting the mortgage notation is issued during the same visit to EGSH.

Legal Framework for Mortgage Registration in Dubai

Mortgage registration in Dubai is governed by Law No. (14) of 2008 Concerning Mortgages in the Emirate of Dubai and Law No. (7) of 2006 on Real Property Registration.

Under these laws, a mortgage is only legally valid and enforceable once recorded in the DLD’s Real Property Register. Any unregistered mortgage has no legal effect and does not secure the lender’s interest.

Registration protects the financing entity’s rights and ensures transparency in property ownership records. The borrower retains ownership but cannot transfer, sell, or mortgage the property again until the registered mortgage is discharged through an official DLD release process.

Types of Mortgages Recognised by the DLD

The Dubai Land Department recognises several categories of mortgages, depending on the nature and status of the property:

Ordinary Mortgage — Registered for completed freehold or leasehold properties financed by a bank.
Provisional Mortgage — Registered for off-plan properties under construction through the DLD’s Oqood system.
Usufruct Mortgage — Applies to long-term usufruct rights (usually 10–99 years) registered under DLD supervision.
Portfolio Mortgage — Covers multiple properties pledged as part of a single financing arrangement.

Each mortgage type follows specific DLD documentation and verification requirements, ensuring that all parties’ rights are legally protected.

Main Requirements for Mortgage Registration in Dubai

To register a property mortgage in Dubai, applicants must submit a complete set of verified documents in accordance with DLD standards. These include:

Bank Letter confirming the financing arrangement and mortgage details, issued by the mortgagee bank.
Three Mortgage Contracts certified by the bank and signed by both parties.
Identification Documents — Emirates ID for residents or a valid passport for non-resident foreigners.
Electronic No Objection Certificate (E-NOC) from the developer for off-plan or provisional properties.
Legal Power of Attorney, if a representative acts on behalf of the owner.
Corporate Documents — trade licence, Memorandum of Association, and a board resolution for corporate entities.

All documents must comply with DLD verification requirements. For bank-initiated mortgages, the mortgagee (financing institution) submits the registration request through the DLD e-mortgage system.

Procedural Features of Mortgage Registration

The mortgage registration process in Dubai is completed in a single visit through an authorised Real Estate Registration Trustee Centre such as EGSH. Once the documents are verified, DLD registration fees are settled, and the mortgage data is entered into the official DLD e-mortgage system.

The DLD then records the mortgage in favour of the financing entity, and the updated electronic Title Deed or Usufruct Title Deed bearing the mortgage notation is issued to the property owner and the bank.

Under normal conditions, the process takes approximately 25 minutes, excluding document preparation time. A registered mortgage remains effective until the loan is repaid and the DLD issues a formal Mortgage Discharge Certificate, confirming the release of the lender’s rights.

Government Fees for Mortgage Registration

The Dubai Land Department registration fees for property mortgage registration are as follows:

0.25% of the mortgage value – DLD mortgage registration fee
AED 250 – Title Deed issuance fee (for each title deed in case of ordinary mortgage or usufruct mortgage)
AED 10 – Knowledge fee for each drawing
AED 10 – Innovation fee for each drawing
Trustee (service partner) fee: AED 4,000 + VAT for ordinary mortgage registration or AED 5,000 + VAT for provisional (Oqood) mortgage registration

All payments are processed through secure DLD-approved channels such as ePay, Noqodi, or manager's cheque payable to the Land Department. EGSH provides applicants with a full cost breakdown before submission.

Mortgage Discharge (Release of Mortgage)

Once the loan is fully repaid, the borrower must apply for Mortgage Discharge Registration to remove the restriction from the property record. The bank then issues an official release letter confirming settlement of the debt.

EGSH, as an authorised Trustee Centre, submits the discharge application to the DLD on behalf of the client, after which the mortgage is officially cancelled, and a new Title Deed is issued without the mortgage notation.

The discharge process typically takes 20–25 minutes, provided all documents are in order.
Failure to complete the discharge means the mortgage remains active in the DLD register and continues to restrict property transfer or resale.

Where to Complete Mortgage Registration in Dubai

Mortgage registration in Dubai can be completed through two official channels:

DLD e-Mortgage System: used directly by banks and financing institutions to record mortgage details electronically.
Authorised Real Estate Registration Trustee Centres, such as EGSH, which verify documents, collect fees, and complete the full registration on behalf of property owners and mortgagees.

For individual clients and investors, registering through a Trustee Centre is the most convenient option. The entire process is finalised in one visit, and the updated Title Deed with the mortgage notation is delivered electronically to both the property owner and the financing bank.

Real Estate Registration Trustee Consultant at EGSH

Explained by

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.

Property Status Inquiry

Submit a property status inquiry through EGSH, a government-authorised centre.

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All Services

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Frequently Asked Questions About Mortgage Registration

Still have any questions?

Good morning, I needed to apply for the Golden Visa and went to this EGSH Emirates office. I was very impressed by their facilities and the peaceful atmosphere. We were fortunate to be assisted by María Claudia García, who provided exceptional service. She advised and helped us every step of the way, guiding us through the entire process until we obtained the Golden Visa. Honestly, people with this level of professionalism and personal touch make one feel more at ease and integrated into this country. Thank you!

I would like to express my appreciation to Ray from EGSH for his outstanding assistance in handling the transfer of our property at Rove Hotel. He was very helpful, accommodating, and patient throughout the entire process, from addressing transaction concerns and verifying documents to the actual property transfer and ensuring the new owner received the title deed…

I worked with Amir and Zara, they took care of everything, I only had to send the mandatory information. In a very short time, everything was completed. I was amazed, considering how difficult it had seemed before. Not to mention, the fees were the same or even lower than those of the other companies I mentioned. For me, it was a 10/10 experience, the quickest and smoothest process someone could have in this journey. Strongly recommend them.

Zara assisted me with my Ejari registration, and she was absolutely amazing. She demonstrated exceptional professionalism, efficiency, and delivered everything promptly. Truly a pleasure to work with!

THE BEST!!! Zara you are as always star

Thanks to EGSH and to Zara for Excellent service — professional, attentive, and truly pleasant experience. Highly recommended!

Had an amazing service for the transfer of property there, specially Rachel Rahmat she was very helpfull throughout the process, looking forward to work more.

Visited for the first time for a property transfer and had an amazing experience with Jessieca! She was professional, helpful, and made the entire process smooth and stress-free. Highly recommended for all government services excellent customer service!

Personally, I find this the best centre in Dubai. They always go the extra mile. Especially Maria Garcia has help out so much in such an efficient way! Thank you!

Went there for ejari cancellation. Excellent place. Staff was so cooperative. Ms Maria and Ms Fatima assist me and it was a fast process.

This is probably the best government service hub in Dubai. You come in, asked to be seated, and the staff will come to you instead of standing on the reception and on queue. They will offer you tea and water are available at each table. Really embodies the Emirati hospitality and what seamstresses Dubai is known for.

I was here the morning of this post. The concierge like service with a contact person arranging for you all the difeerent interactions is making the interactuon as smooth as possible. A truly delightful experience and a true commitment to service excellence, thank you for the great experience and for the initiative to present government interactions in this way!

Outstanding service — fast, friendly, and highly professional. Thank you very much!

I’ve been here for the first time and I can say that this organization definitely worth to come here and make all proceeds with their help! We were changing the owner and such difficult process was really easy for us with your help and most of the time it was done online. So I’m very grateful to Mrs Zara and her support during all the process❤️

I had an excellent experience with Natalia Baiamonte from EGSH while getting Ejari certificate. From the very beginning, she was professional, attentive, and extremely helpful. Natalia guided me through the process clearly, answered all my questions with patience, and made task feel simple and stress-free. Highly recommend Natalia for her outstanding customer service and dedication!

We had great experience with Amal She is so helpful and awesome She stayed with us over her duty today just to finish her work Thanks Amal

I had a really good experience with EGSH (Emirates Government Services Hub). Everything went smoothly and the team was super helpful. Special thanks to Zara and Amal. they were so supportive and kind throughout the process. Really appreciate it!

I had a great experience with this office. They handle everything related to company setup, residency, Golden Visa, DLD, and more. The office is very clean, modern, and welcoming, and the staff are extremely professional and polite. A special thank to Ms. Zara for her kindness and guidance throughout the process so smoothly and professionally, and to Ms. Amal for managing the administrative registration.

Zara is the best always attentive to every requests and helping with a solving problems without delay thank you Zara❤️🌸 …

Absolutely stunning office, i am awestruck. No one can beat Dubai for the kind of hospitality you get in a government office… Its mind-blowing 😍 i wish i could give a 10 star rating (double) on 5 🤩

I had a great experience with EGHS. I was assisted by Sarah Almeida and she delivered an amazing service. Very attentive, promptly responded my messages and guided me throughout the process. It was all very smooth and done very quickly. I highly recommend and I’ll definitely use their services again.