Can I transfer my mortgage to another bank without fully settling the existing loan?

Yes. A mortgage can be transferred before full settlement if the previous bank issues its formal consent to release the mortgage for reassignment. The DLD will not begin processing until the existing mortgagee confirms that the transfer is permitted.

How long does the Dubai Land Department mortgage transfer process take?

The DLD mortgage transfer procedure typically takes 15–20 minutes once all bank documents and approvals are submitted correctly through an authorised channel. Delays occur only when bank NOCs, developer E.NOCs, or system verifications are pending.

Do I need to visit a trustee office, or can the bank submit the transfer directly?

Both options are available. Banks can submit through the DLD online mortgage system, while applicants may use trustee mortgage processing at authorised Real Estate Registration Trustee Centres such as EGSH.

Will the mortgage transfer affect my ownership rights or property title?

No. Ownership remains unchanged. The process affects only the financing entity's mortgage rights, replacing the previous lender with the new one in DLD’s Real Property Register.

Is a developer NOC required for off-plan properties under Oqood?

Yes. For all provisional sale properties, the developer must issue an electronic NOC confirming approval for the mortgage transfer. Without this clearance, property mortgage updates in the UAE cannot be processed at the Oqood stage.

Can DLD reject a mortgage transfer request?

Yes. A transfer can be rejected if the property is under a legal hold, if documents do not match DLD records, if the financing approval does not meet mortgage law in the UAE, or if the previous bank does not fully release its mortgage rights.

Is a valuation required when switching mortgage lenders?

Most banks require a new valuation before issuing their mortgage registration letter. The DLD accepts the transfer as long as the financing amount and registration request comply with internal audit rules and the real estate mortgage regulations in Dubai.

What happens to my current mortgage after the transfer is completed?

Once DLD registers the new mortgage, the previous bank’s entry is completely cancelled, and only the updated mortgage is recognised for future transactions such as sale, refinancing, visa applications, and mortgage release.

Can I transfer the mortgage if the property is jointly owned?

Yes. All co-owners must sign the required bank documents or provide a notarised Power of Attorney. Mortgage rights are transferred in the same ownership proportions recorded in the Title Deed or Oqood.

Will the mortgage transfer appear on my new Title Deed?

Yes. DLD issues an updated Title Deed, Usufruct Title Deed, or Oqood record showing the new mortgagee. This updated output replaces all previous documents.

Mortgage Transfer in Dubai – Fast & Secure DLD-Approved Processing

Name: Mortgage Transfer
Brand: EGSH

Mortgage Transfer Services in Dubai

Switch Your Mortgage to a New Bank Through an Authorised DLD Trustee Centre

Transfer your mortgage in Dubai through EGSH, an authorised Real Estate Registration Trustee Centre operating under the Dubai Land Department (DLD). We handle all categories of mortgage transfers—including standard, usufruct, provisional (Oqood), and portfolio transfers—by submitting the full application directly through DLD’s official mortgage system.

Why choose EGSH:

Authorised DLD Trustee Centre—licensed to process all mortgage transfer types.
Direct submission through DLD systems—no intermediaries, no delays.
One-visit completion—full mortgage transfer recorded during your appointment.
Transparent, government-regulated fees—no additional or unapproved charges.

Your mortgage is transferred to the new financing entity, and the updated Title Deed or related certificate is issued electronically within 20 minutes.

Switch Your Mortgage to a New Bank 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 transfer application.

Submit the Documents

Provide the no-objection letter from your current bank, the mortgage registration letter from the new bank, certified mortgage contracts, and an electronic NOC from the developer for off-plan properties (if applicable).

Application Entry and Payment Fees

EGSH enters the mortgage transfer request into DLD’s official system, verifies that all documents meet registration requirements, and you settle the applicable DLD and service partner fees through authorised payment channels.

Receive Your Updated Documents

Once approved in the DLD system, the mortgage is officially transferred to the new financing entity, and the updated Title Deed or related registration 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

Letters From the Previous and New Banks

A no-objection letter from the existing bank confirming mortgage release for transfer. An official mortgage registration letter from the new financing entity authorising the DLD to register the mortgage in its favour.

Certified Mortgage Contracts

Three certified mortgage contracts signed by both parties, or authenticated digital contracts when the application is submitted electronically through the bank’s online mortgage system.

Identification and Ownership Evidence

UAE ID for identification (passport for non-residents), along with the Title Deed or provisional Oqood certificate. For company-owned properties, a valid trade licence and corporate documents must also be provided.

Developer NOC and PoA (Where Required)

An electronic NOC (E.NOC) from the developer is required for off-plan or provisional sale properties. If the request is submitted by a representative, a valid Power of Attorney authorising mortgage-related procedures must be provided.

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 a Mortgage Transfer in Dubai

A mortgage transfer is an official Dubai Land Department (DLD) procedure through which the mortgage rights registered on a property are reassigned from one financing entity to another. DLD cancels the previous mortgage record and registers a new mortgage in favour of the new bank or financial institution, ensuring that the Real Property Register reflects the current security holder.

The process is regulated under Law No. (7) of 2006 Concerning Real Property Registration in Dubai, Law No. (14) of 2008 on Mortgages, and DLD’s electronic mortgage registration rules. A mortgage transfer is required whenever the lending institution changes, such as refinancing with a new bank, switching to a more favourable mortgage provider, or reallocating mortgage rights within a financial group.

Once the transfer is approved, DLD issues updated ownership documents (Title Deed, Usufruct Title Deed, Statement Certificate, or Oqood), confirming the registration of the new mortgagee and extinguishing the rights of the previous financing entity.

Types of DLD Mortgage Transfers

DLD recognises several categories of mortgage transfers, each corresponding to the nature of the property, the registration stage, and the financing structure.

Standard Mortgage Transfer (Ready Property)

Applies when transferring a registered mortgage on a completed property from one bank to another. DLD cancels the existing mortgage record and registers a new one in favour of the incoming financing entity.

Usufruct Mortgage Transfer

Used when the underlying right is usufruct rather than freehold ownership. The mortgage transfer updates the registered usufruct mortgage to reflect the new lender’s rights to the usufruct interest.

Provisional Mortgage Transfer (Oqood Stage)

Applies to off-plan properties registered under provisional sale contracts. DLD transfers the mortgage recorded at the Oqood stage to the new bank, subject to an electronic developer NOC (E.NOC).

Portfolio Mortgage Transfer

Used when several properties are financed under a single mortgage agreement. DLD transfers the entire portfolio mortgage—or individual units within it—to a new financing entity.

When You Need a Mortgage Transfer in Dubai

You must apply for a mortgage transfer when the lending institution changes, regardless of whether the loan amount, duration, or repayment structure remains the same. Typical scenarios include:

Switching to a Different Bank for Better Rates or Terms
When a property owner refinances with a new bank, DLD must transfer the mortgage rights from the previous financing entity to the new one.
Replacing the Mortgagee During Refinancing
If refinancing involves transitioning to a new lender, the existing mortgage cannot be amended; it must be transferred.

Transfer of Mortgage Rights Within Banking Groups
Some financial institutions reassign mortgage portfolios internally. DLD requires a formal transfer to update the Real Property Register accordingly.
Off-Plan Properties Requiring Mortgage Transfer at the Oqood Stage
When switching banks before the Title Deed is issued, the provisional mortgage must be transferred through a developer E.NOC.
When a Bank Requires a Fresh Mortgage Record for Compliance
Certain banks require a new DLD-registered mortgage instead of an amendment, especially when underwriting rules, valuation conditions, or risk policies change.

A mortgage transfer is different from an amendment or release: it applies only when the lender changes. The DLD treats the previous mortgage as extinguished and registers a new mortgage in favour of the new financing entity.

Regulatory Requirements for a Mortgage Transfer Application in the UAE

A mortgage transfer can be processed if specific regulatory and financial conditions are satisfied. These conditions determine whether DLD will allow the mortgage to be reassigned from one financing entity to another.

The Existing Mortgage Must Be Eligible for Release

The current bank must confirm that the mortgage can be transferred. This includes:

Issuance of a formal consent to release (internal bank clearance)
Settlement of any outstanding conditions
Removal of any internal restrictions that prevent extinguishment of the current mortgage rights.

Without bank consent, DLD cannot cancel the existing mortgage entry.

The New Bank Must Be Approved to Register the Mortgage

The incoming financing entity must meet the DLD’s registration criteria, including underwriting approval and issuance of a binding mortgage registration undertaking. The DLD registers the new mortgage only when the financing is confirmed and all regulatory checks are complete.

The Property Must Be Free From Registration Holds

The DLD does not allow mortgage transfers when the property is subject to:

Legal holds or liens
Disputes registered in the Real Property Register
Unpaid service charges requiring clearance
Developer restrictions (off-plan projects)
Pending ownership updates after a recent transfer

All holds must be resolved before the DLD will allow the transfer.

Developer Clearance Is Mandatory for Off-Plan Units

For Oqood-stage properties, the developer must issue an electronic NOC confirming that the mortgage may be transferred to the new bank. This requirement protects both the project escrow framework and the provisional sale record.

The Financial Structure Must Comply With DLD Valuation and Risk Rules

DLD may reject a transfer if:

The financed amount exceeds permissible thresholds
The new mortgage conflicts with the valuation or project rules
The banking structure contradicts escrow or provisional registration regulations

Only when the above criteria are satisfied can the new mortgage be registered in favour of the new financing entity.

How to Transfer Mortgage Rights in Dubai

To apply for a mortgage transfer, the financing change must be processed through the official DLD mortgage registration system via a bank or an authorised Real Estate Registration Trustee Centre.

Step 1: Coordination Between the Two Banks

The previous bank issues its consent to release the mortgage, and the new bank provides the mortgage registration letter and certified mortgage contracts required for DLD submission.

Step 2: Submission Through DLD-Authorised Channels

The mortgage transfer request is submitted either by the new bank through DLD’s online mortgage system or through an authorised Real Estate Registration Trustee Centre such as EGSH. All documents are uploaded to DLD’s digital audit system.

Step 3: DLD Review and Fee Settlement

The DLD reviews the submitted documents, cancels the existing mortgage entry, registers the new mortgage, and the applicant settles the applicable DLD and service partner fees through authorised payment methods.

Step 4: Issuance of Updated Ownership Records

The DLD issues the updated Title Deed, Usufruct Title Deed, Statement Certificate, or Oqood record confirming the new financing entity as the registered mortgagee.

H2 – How to Change Mortgage Bank in Dubai for Off-Plan Properties (Oqood Stage)

To change the mortgage bank for an off-plan property, the transfer must be processed through the provisional (Oqood) registration system and approved by the developer before DLD updates the mortgage record.

Step 1: Obtain the Developer’s Electronic NOC (E.NOC)

The developer issues an electronic NOC through the Dubai REST App, confirming that the mortgage may be transferred to the new bank. This is mandatory for all provisional sale properties.

Step 2: Bank Coordination for Provisional Mortgage Transfer

The previous bank releases the provisional mortgage by issuing its consent, and the new bank prepares the provisional mortgage registration letter and supporting financing documents.

Step 3: Submission Through the DLD’s Provisional Registration System

The new bank or an authorised Real Estate Registration Trustee Centre submits the provisional mortgage transfer request. All documents are uploaded to DLD’s digital audit platform for verification.

Step 4: Update of the Provisional (Oqood) Record

DLD cancels the provisional mortgage in favour of the previous bank and registers the new mortgage under the Oqood record. The updated provisional sale certificate is issued electronically.

When the project is completed and the Title Deed is issued, the transferred mortgage is automatically reflected in the final Real Property Register.

Legal and Practical Consequences of Mortgage Transfer

A mortgage transfer results in the complete reassignment of mortgage rights from the previous financing entity to the new one, and the change becomes legally effective after DLD updates the Real Property Register.

Extinguishment of the Previous Mortgagee’s Rights
The mortgage registered in favour of the former bank is cancelled, and the bank’s security interest in the property is fully removed from the DLD records.
Registration of the New Mortgagee
The DLD registers the incoming bank as the new mortgage holder. The new financing entity becomes the party legally entitled to enforce the mortgage under UAE law.

Updated Ownership Records
The updated Title Deed, Usufruct Title Deed, Statement Certificate, or provisional Oqood record reflects the new mortgage details. Only this updated record is recognised for future transactions.
Impact on Subsequent Transactions
All future procedures—sale, gift, refinancing, mortgage release, investor visa, and inheritance matters—must rely on the updated mortgage record. Any outdated mortgage details invalidate subsequent applications.
Compliance With UAE Financial and Property Regulations
The transfer ensures that the financing structure remains compliant with DLD registration rules, escrow requirements (for off-plan units), and the risk policies applied by UAE banks and regulators.

Official Service Fees for Switching a Mortgage Lender in Dubai

The Dubai Land Department applies government-regulated fees for mortgage registration transfer. The applicable charges are:

DLD Mortgage Registration Fee. 0.25% of the mortgage value registered in favour of the new financing entity.
Title Deed or Oqood Issuance Fee. AED 250 per Title Deed or Usufruct Title Deed, AED 250 per Title Deed for portfolio mortgage transfer cases.
Knowledge and Innovation Fees. AED 10 Knowledge Fee per issued document, AED 10 Innovation Fee per issued document.
Service Partner Fees (Trustee Centres). AED 4,000 + VAT for mortgage transfer of completed properties, AED 5,000 + VAT for mortgage transfer of provisional (Oqood) properties.

Approved payment methods are e-Pay, Noqodi, or a manager’s cheque payable to the Dubai Land Department. All fees are processed through DLD’s secure payment channels and applied at official government rates.

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.

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Frequently Asked Questions About Mortgage Registration Transfer in Dubai

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An exceptional service from Zara at EGSH. She guided us perfectly through the process and managed to get us even more than we had anticipated. A world class service center with exceptional staff. Would recommend them to anyone who wants to get sorted for government services

Hello, My Name is Kelvin it was my first time to hear EGSH Emirates Govt from my sponsor. I was assisted By Mrs Maria Claudia Garcia the experience was amazing from the beginning to the End she has been supporting and guiding me through all the process. I am grateful to her and the entire team for the help. I trust and believe EGSH is a place to recommend to family members and friends.

A very hassle free experience from EGSH. Special mention of Ms.Zara who was most helpfull. Her quick response to queries and swift action are much appeciated.

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I recently visited this institution had an exceptional experience! Ms. Maria Claudia took the time to understand my needs and preferences. I really appreciate her support and services.

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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.

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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.

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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!

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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!

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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❤️

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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.

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