Can I process a mortgage release through my bank, or must I visit EGSH?

Regular mortgage releases, where a standard bank loan has been fully repaid, can be processed through the bank's online mortgage system. All other types, including usufruct, provisional, portfolio, and releases followed by a sale, require the trustee office route. EGSH handles all trustee-route cases.

What is the bank clearance letter, and how do I obtain it?

The bank clearance letter is an official document issued by your financing institution confirming full settlement of the mortgage. You request it from your bank after making the final payment. Most UAE banks issue this letter within 5–10 business days.

How long does a mortgage release take?

According to the Dubai Land Department, the in-office processing time is approximately 10–15 minutes once all documents have been verified and fees settled. The updated title deed is delivered to your email on the same day upon DLD confirmation.

What is the total cost of a mortgage release in Dubai?

The DLD mortgage release fee is AED 1,000, the title deed issuance fee is AED 250, and the knowledge and innovation fees total AED 20. The EGSH service fee is AED 300 plus VAT. The total cost is approximately AED 1,570 plus VAT on the service fee. All fees are current as of the date of publication and may be revised by the relevant authorities.

Do I need to be in Dubai to process a mortgage release?

Yes. Biometric Emirates ID verification requires physical presence at the trustee office. Remote processing is not available for this service through the trustee channel.

What happens if there are multiple mortgages on the same property?

Each mortgage must be released separately unless it is registered as a portfolio mortgage, in which case a portfolio mortgage release procedure applies. EGSH advises on the correct procedure based on the registration structure.

Can I sell my property before completing the mortgage release?

The sale and mortgage release are often processed together through a combined release-followed-by-sale procedure, which requires using the trustee office route. EGSH handles both transactions simultaneously in a single visit.

What documents do I receive after the mortgage release?

The DLD issues an updated Certificate of Title or title deed free of the mortgage lien, a mortgage release letter, and, where applicable, a statement certificate or Oqoudi. All documents are delivered digitally to your registered email address.

Mortgage Release in Dubai | DLD Trustee Office

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Authorised Trustee Processing for All Types of Mortgage Termination in Dubai

Mortgage Release Through the Dubai Land Department

Mortgage release in Dubai is a formal procedure administered by the Dubai Land Department (DLD) to remove a registered mortgage lien from a property title deed. The procedure becomes necessary once a property loan has been fully repaid, early-settled, or when the financing arrangement must be formally terminated for regulatory or transactional reasons.

The DLD recognises five distinct types of mortgage release: regular mortgage release, usufruct mortgage release, provisional mortgage release, provisional registration mortgage release, and portfolio mortgage release. Each type corresponds to a specific financing structure, and the applicable procedure depends on how the original mortgage was registered.

EGSH operates as an authorised Real Estate Registration Trustee, submitting mortgage release applications directly to the DLD system, verifying documentation for regulatory compliance, and processing the transaction on the property owner's behalf. All final approvals and updated title deeds are issued by the Dubai Land Department.

Authorised Real Estate Registration Trustee
VIP service without queues
Official government-regulated fees
Completed in one visit

According to the Dubai Land Department (DLD), the in-office processing time for mortgage release transactions is approximately 10–15 minutes from the point of complete submission.

Release Your Mortgage in Dubai

Officially regulated fees
No hidden charges
Queue-free service
VIP support at no extra cost

From AED 312

+971 4 612 1810

Visit EGSH

Arrive at EGSH during working hours, or book an appointment in advance—a dedicated consultant will assist you immediately, with no queues.

Document Verification

Your consultant reviews all submitted documents against DLD requirements, including the bank clearance letter and Emirates ID verification.

Application Submission

EGSH enters the mortgage release transaction into the DLD system, uploads all documents to the digital safe, and processes the applicable fees.

Receive Your Updated Title Deed

The Dubai Land Department issues your updated Certificate of Title or title deed, free of the mortgage lien, and delivers it to your registered email.

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–3:00 pm
Friday: 9:00 am–12:30 pm
Sunday: Closed

Closed from 19 to 22 March (Eid Al-Fitr)

Call +971 4 612 1810 WhatsApp

Via Bank (Online Mortgage System)

For regular mortgage releases processed electronically through the bank, the property owner’s Emirates ID is required for identity verification only — no copy is submitted.

Via EGSH Trustee Office

For all mortgage release types processed through the trustee office, a bank letter for mortgage removal and the property owner’s Emirates ID are required.

Portfolio and Complex Releases

For portfolio mortgage releases, usufruct mortgage releases, or releases followed by a sale procedure, the trustee office route is mandatory, and EGSH confirms the specific document checklist upon booking.

Corporate and Power of Attorney Cases

Where the property is held by a corporate entity or the transaction is conducted under a power of attorney, additional corporate documents or a notarised POA may be required as specified by the DLD.

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VIP Service

Personal assistance and priority processing with no queues.

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Official government rates with transparent, fixed pricing.

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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 Release in Dubai

Mortgage release, referred to by the Dubai Land Department as mortgage termination, is the formal process of removing a registered lien from a property's title deed. When a property owner secures a mortgage with a bank or other lending institution, the lender's interest is formally recorded through mortgage registration, granting the lender a legal claim on the property until the debt is fully discharged.

Once the loan has been repaid in full, the lender's interest must be formally deregistered. Without this step, the mortgage lien remains on the title deed, which may complicate subsequent transactions such as sale, gift registration, or new mortgage arrangements. Property owners pursuing a Golden visa in Dubai also benefit from a clear title, as the absence of a registered lien reduces the documentation burden during the residence application.

When Mortgage Release Becomes Necessary

Property owners typically require a mortgage release under specific circumstances: full repayment of the bank loan, early settlement of the mortgage balance, refinancing through a different lender, selling a mortgaged property, or releasing equity for investment purposes. In each scenario, the existing mortgage lien must be formally removed from the DLD register before any subsequent transaction can proceed.

Two Processing Channels

The DLD provides two channels for mortgage release. The first is the bank's online mortgage system, available for regular mortgage releases. Under this channel, the bank employee enters the required data into the DLD digital safe, the transaction is audited, and the updated title deed is delivered by email. The property owner's Emirates ID is verified, but no copy is submitted.

The second channel is the Real Estate Registration Trustee office. This route is mandatory for all non-regular releases, including usufruct mortgage release, provisional mortgage release, provisional registration mortgage release, portfolio mortgage release, and any release followed by a subsequent procedure, such as the sale of a mortgaged property. EGSH, as an authorised Real Estate Registration Trustee, processes all trustee-route mortgage releases directly through the DLD system.

Five Types of Mortgage Release

The DLD recognises five distinct categories, each corresponding to a specific financing and registration structure.

A regular mortgage release applies when a standard bank loan secured against a completed property with an existing title deed has been fully repaid. A usufruct mortgage release applies when the original mortgage was registered against usufruct (usage) rights rather than full ownership. A provisional mortgage release relates to off-plan properties where interim financing was arranged during the construction phase. A provisional registration mortgage release involves the cancellation of a provisional sale registration linked to a mortgage. A portfolio mortgage release applies when a single mortgage covers multiple properties, requiring all units to be released simultaneously.

Fees and Cost Structure

The DLD applies a fixed-fee structure to mortgage release transactions. The mortgage release fee is AED 1,000 for ordinary mortgages with a title deed or usufruct title deed. The Certificate of Title or title deed issuance fee is AED 250. A knowledge fee of AED 10 and an innovation fee of AED 10 apply per drawing. The EGSH service fee as an authorised trustee is AED 300 plus VAT.

Government fees are set by the DLD and applied uniformly across all processing channels. Fee amounts are current as of the date of publication and may be revised by the Dubai Land Department without prior notice.

Processing Timeline

Mortgage release transactions processed through a Real Estate Registration Trustee office are completed within approximately 10–15 minutes of submission, provided all documentation is verified, and fees are settled. For releases processed through the bank's online system, the transaction is submitted digitally and audited by the DLD, with the updated title deed delivered to the property owner's email upon completion.

Property owners should note that obtaining the bank clearance letter, the prerequisite for any mortgage release, may take 5–10 business days, depending on the financing institution. EGSH processes the DLD transaction on the same day of the visit.

Issued Documents

Upon successful completion, the DLD issues the following documents digitally:

A mortgage release letter (where a registered mortgage existed)
An updated Certificate of Title
Title deed, or usufruct title deed, free of the mortgage lien
A statement certificate or provisional sale registration certificate (Oqoudi), where applicable.

All outputs are delivered as e-deliverables to the property owner's registered email address. Physical copies are not issued; the digital title deed is the legally valid document in Dubai.

Common Rejection Triggers

Mortgage release applications may be rejected or delayed under several circumstances. The bank clearance letter may contain discrepancies or may not be issued on official bank letterhead. The Emirates ID presented may not match the registered property owner on the DLD system.

A portfolio mortgage submitted as individual unit releases rather than the required portfolio procedure will not be accepted. Properties with additional encumbrances, restrictions, or unresolved disputes registered with the DLD must be addressed before submission of the mortgage release application.

Validity and Subsequent Transactions

Once the mortgage release is registered, the property's title deed reflects the updated status immediately. The owner regains full transactional freedom over the property, including the ability to sell, gift, or register a new mortgage. Where the owner intends to sell, obtaining a property valuation is a standard preparatory step that can also be completed at EGSH.

Property owners who plan to proceed with a title deed transfer in Dubai may benefit from processing both the mortgage release and the ownership transfer in a single visit to EGSH, reducing time and administrative complexity.

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. He specialises in accurate, secure, and legally compliant property registration.

About the Expert

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