Mortgage Registration Services in Dubai
Official DLD Process for Property Mortgage Recording
Mortgage registration in Dubai is the official process through which the Dubai Land Department (DLD) records a property mortgage in favour of a financing institution. The registration is a legal requirement under Law No. 14 of 2008 Concerning Mortgages in the Emirate of Dubai: any mortgage that is not recorded in the DLD's Real Property Register has no legal effect and does not secure the lender's interest. The procedure applies to all bank-financed property purchases, including ordinary, provisional, usufruct and portfolio mortgages.
EGSH processes mortgage registrations as an authorised Real Estate Registration Trustee Centre under the Dubai Land Department. All submissions are made through the official DLD e-Mortgage system, and the updated Title Deed with the mortgage notation is issued electronically during the same visit.
- Authorised Real Estate Registration Trustee
- VIP service without queues
- Official government-regulated fees
- Completed in one visit
The mortgage registration process at an authorised Trustee Centre is typically completed within 25 minutes, excluding document preparation time.
Register a Mortgage in Dubai
Officially regulated fees
No hidden charges
Queue-free service
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From AED 3,247
How to Register a Mortgage in Dubai
Step-by-Step Process Through an Authorised DLD Trustee Centre
01
Visit EGSH
Visit EGSH during working hours or book your appointment online for a review of your mortgage contracts, bank letter and supporting documents for DLD compliance.
02
Document Verification
EGSH verifies all documents, confirms completeness against DLD requirements and calculates the applicable registration fees before submission.
03
Fee Payment and Submission
DLD registration fees are paid securely at the centre, and the mortgage data is entered into the official DLD e-Mortgage system.
04
Receive Your Updated Title Deed
The DLD records the mortgage in favour of the financing entity, and the updated Title Deed with the mortgage notation is delivered electronically to the property owner and the bank.
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–Thursday, Saturday: 9:00 am–5:00 pm
Friday: 9:00 am–12:00 pm, 2:00 pm–5:00 pm
Sunday: Closed
Documents Required for Mortgage Registration
Accurate and Valid Documents for DLD Compliance
Individual Applicants
A bank letter, three certified mortgage contracts, Emirates ID or passport for non-residents, and an E.NOC from the developer for off-plan properties.
Individual Establishments
A trade licence, the owner’s Emirates ID or passport copy, and a notarised power of attorney if a representative is acting on behalf of the establishment.
Limited Liability Companies
A trade licence with parties and lineage page, a job title certificate, Memorandum of Association with annexes, and a board resolution or power of attorney.
Bank Submissions
The developer’s E.NOC is uploaded via the Dubai REST app, and all documents are submitted electronically through the DLD e-Mortgage system.
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Why Choose EGSH for Mortgage Registration
Reliable, Professional, and Compliant Mortgage Registration Services in Dubai
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 You Need to Know About Mortgage Registration in Dubai
Under Law No. 14 of 2008 Concerning Mortgages in the Emirate of Dubai and Law No. 7 of 2006 on Real Property Registration, a mortgage is only legally valid once it is recorded in the DLD's Real Property Register. The registration creates a legally binding encumbrance on the property in favour of the financing institution, preventing the owner from selling, transferring or re-mortgaging the property until the debt is repaid and the mortgage is formally discharged. An unregistered mortgage has no legal effect against third parties and does not protect the lender's interest.
Documents Required
Individual Applicants
A bank letter confirming the mortgage details, three mortgage contracts certified by the bank and signed by both parties, Emirates ID (presented for identification) or a passport copy for non-residents, an electronic No Objection Certificate (E.NOC) from the developer for off-plan or provisional properties (obtained via the Dubai REST app), and a power of attorney if a representative acts on behalf of the owner.
Banks typically require a property valuation in Dubai before issuing the mortgage letter. Title deed verification in Dubai is also required to confirm ownership and any existing encumbrances before registration can proceed.
Individual Establishments
A trade licence, the owner's Emirates ID or passport copy, and a notarised power of attorney if a representative is acting on behalf of the establishment.
Limited Liability Companies
A trade licence with parties and lineage page, a job title certificate, a Memorandum of Association with annexes (attested, with Arabic translation), and a board resolution or power of attorney.
Bank Submissions (Electronic)
For bank-initiated mortgages, the developer's E.NOC is uploaded via the Dubai REST app, and all documents are submitted electronically through the DLD e-Mortgage system. The DLD fees are deducted directly from the bank's account.
Mortgage Registration Process — Step by Step
Step 1 — Document Preparation and Bank Coordination
The financing bank issues the mortgage letter and certified contracts. The property owner gathers identification documents. For off-plan properties, the E.NOC must be obtained via the Dubai REST app. All documents must comply with DLD verification requirements.
Step 2 — Visit an Authorised Trustee Centre
Both parties, or their legal representatives via power of attorney, attend EGSH as an authorised Real Estate Registration Trustee Centre. The consultant verifies all documents for completeness and DLD compliance.
Step 3 — Fee Payment and Submission
DLD registration fees are calculated and paid securely at the centre. The mortgage data is entered into the official DLD e-Mortgage system. Payment can be made via ePay, Noqodi or manager's cheque payable to the Dubai Land Department.
Step 4 — Title Deed Issuance
The DLD records the mortgage in favour of the financing entity. The updated Title Deed (or Usufruct Title Deed) with the mortgage notation is issued electronically and delivered to both the property owner and the bank. Processing time is approximately 25 minutes from submission.
The registered mortgage remains active until the loan is fully repaid and the DLD issues a formal Mortgage Discharge Certificate. Until discharge is completed, the property cannot be transferred or resold. For information on the title deed in Dubai and what it represents under property law, refer to the dedicated guide.
Mortgage Registration Fees in Dubai
The DLD mortgage registration fee is 0.25% of the mortgage value. Additional fee components include AED 250 for each title deed issued (applicable for ordinary and usufruct mortgages where a title deed is in existence), AED 10 Knowledge fee and AED 10 Innovation fee per drawing.
The trustee service fee is AED 4,000 plus VAT for ordinary mortgage registration and AED 5,000 plus VAT for provisional (Oqood) mortgage registration, payable to the authorised Trustee Centre.
Worked Example
For a mortgage of AED 1,500,000, the total registration costs are calculated as follows: the DLD registration fee is AED 3,750 (0.25% of the mortgage value), plus AED 250 for the title deed, AED 20 in knowledge and innovation fees, and AED 4,200 (AED 4,000 plus 5% VAT) for the trustee service. The approximate total for this example is AED 8,220.
Accepted payment methods include ePay, Noqodi and manager's cheque payable to the Dubai Land Department. EGSH provides a full itemised cost breakdown before submission. All fees are government-regulated and subject to change by the DLD. Fees referenced on this page are current as of the date of publication.
Types of Mortgages Registered by the DLD
The Dubai Land Department registers several categories of mortgages depending on the nature and status of the property.
- An ordinary mortgage applies to completed freehold or leasehold properties financed by a bank.
- A provisional mortgage (Oqood) applies to off-plan properties under construction and is registered through the DLD's Oqood system.
- A usufruct mortgage applies to long-term usufruct rights, typically ranging from 10 to 99 years, registered under DLD supervision.
- A portfolio mortgage covers multiple properties pledged as part of a single financing arrangement.
When a property sale and mortgage are registered simultaneously, this is processed as a sale registration with initial mortgage. To switch financing from one bank to another, a mortgage transfer in Dubai must be registered through the DLD.
Where to Register a Mortgage in Dubai
Mortgage registration in Dubai can be completed through two official channels.
The DLD e-Mortgage system is used directly by banks and financing institutions to submit mortgage documents electronically. The DLD fees are deducted from the bank's account, and the process is fully digital.
Authorised Real Estate Registration Trustee Centres, including EGSH, provide document verification, fee calculation, payment processing and face-to-face support for individual clients and investors. The entire process is finalised in one visit, and the updated Title Deed is delivered electronically.
For a complete guide to obtaining a mortgage in Dubai, including eligibility criteria, bank requirements and the full registration procedure, refer to the mortgage registration guide.
Frequently Asked Questions About Mortgage Registration in Dubai
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.
How much does mortgage registration cost in Dubai?
The DLD registration fee is 0,25% of the mortgage value, plus AED 250 for the title deed, AED 10 Knowledge fee and AED 10 Innovation fee per drawing. The trustee service fee is AED 4,000 plus VAT for ordinary mortgages and AED 5,000 plus VAT for provisional (Oqood) mortgages. All fees are payable at the time of registration and are government-regulated.
How long does the mortgage registration process take?
The process takes approximately 25 minutes once all documents have been submitted and verified at an authorised Trustee Centre. Document preparation with the financing bank may require additional time before the registration appointment.
What documents do I need to register a mortgage in Dubai?
Individual applicants must provide a bank letter, three certified mortgage contracts, Emirates ID or passport (for non-residents), an E.NOC from the developer (for off-plan properties) and a power of attorney if applicable. Corporate applicants must additionally provide a trade licence, Memorandum of Association and board resolution.
Can non-residents register a mortgage in Dubai?
Yes. Non-residents may register a property mortgage in Dubai provided they obtain financing from a UAE-licensed bank or financial institution for a property in a freehold area. The DLD registration process and legal requirements are the same as for residents.
What happens when the mortgage is fully repaid?
The bank issues a clearance letter confirming settlement of the debt. A mortgage discharge must then be registered with the DLD to remove the mortgage notation from the Title Deed. Until the discharge is completed, the mortgage remains active in the DLD register and the property cannot be transferred or resold.
What is the difference between an ordinary and a provisional mortgage?
An ordinary mortgage applies to completed properties with an issued Title Deed. A provisional mortgage applies to off-plan properties under construction and is registered through the DLD’s Oqood system. Both types require the standard 0,25% DLD registration fee.
Who pays the mortgage registration fee — the buyer or the bank?
The buyer is responsible for the DLD mortgage registration fee of 0,25% of the mortgage value. This fee is separate from the 4% property transfer fee payable on the sale transaction.
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Best service ever. Special thanks to Mirabelle — she is extremely efficient with property transfers and always makes the process smooth and hassle-free.
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19.03.2026
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13.03.2026
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25.02.2026
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24.02.2026
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23.02.2026
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22.02.2026
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02.02.2026
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25.01.2026
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22.01.2026
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03.01.2026
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23.12.2025
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08.11.2025
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07.11.2025
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29.10.2025
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20.10.2025
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13.10.2025
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10.10.2025
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09.10.2025
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03.10.2025
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26.09.2025
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25.09.2025
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16.09.2025
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15.09.2025
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13.09.2025
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09.09.2025
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07.09.2025
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06.09.2025
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04.09.2025
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02.09.2025
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02.09.2025
Zara helped me with my services and the process was very easy and she was very helpful
Maya Al Moukayed
02.09.2025
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Disclaimer: The information on this page is current as of the date of publication and is provided for general guidance only. Government fees, processing times and procedural requirements are subject to change by the Dubai Land Department. EGSH submits and processes applications through official DLD channels but does not issue approvals, influence authority decisions or guarantee application outcomes. Applicants are advised to verify all requirements with the DLD before proceeding.
