Who can register a property sale with an initial mortgage in Dubai?

Individuals and companies can complete this process. Individual buyers must present a valid UAE ID or passport, while companies must submit their trade licence and legal documents. Foreign and GCC companies must also provide attested documents, Arabic translations, and, when applicable, a No Objection Certificate (NOC) from the relevant free zone.

Is sale registration with an initial mortgage mandatory in Dubai?

When a property is purchased using bank financing, the sale and the mortgage must be registered simultaneously with the Dubai Land Department (DLD). This ensures legal recognition of both the buyer’s ownership and the bank’s lien. Transactions that are not recorded in the DLD provisional register are considered legally incomplete under UAE property law.

How long does the DLD sale and mortgage registration process take?

According to the DLD, the process is completed within six business days once all documents and payments are submitted correctly.

Can non-residents buy property with a mortgage and register it in Dubai?

Yes, non-residents can register a property sale with an initial mortgage in Dubai, provided their financing bank approves the loan. Not all UAE banks offer non-resident mortgages, but once approved, the DLD registration process follows the same legal framework as for residents.

What happens after the mortgage is fully repaid?

Once the loan is cleared, the bank issues a mortgage release letter, which must be submitted to the DLD to officially cancel the registered mortgage. The DLD then updates the property record and removes the charge from the title deed.

What is the difference between initial mortgage registration and mortgage transfer in Dubai?

The initial mortgage registration occurs when a buyer purchases a property using a new bank loan, and the sale and the mortgage are recorded together for the first time. A mortgage transfer occurs when an existing mortgage is reassigned to a new buyer or transferred to another bank. Both procedures must be processed through the DLD, with applicable mortgage registration fees and updated documentation.

Sale & Mortgage Registration Dubai – Request to Register a Sale Associated with an Initial Mortgage

Name: Sale & Mortgage Registration
Brand: EGSH

Sale Registration With Initial Mortgage in Dubai

Secure, Fast, and Legally Compliant DLD Registration

Register your property sale with an initial mortgage at EGSH, an authorised Real Estate Trustee Centre licensed by the Dubai Land Department (DLD). Our experts coordinate directly with your bank to register the sale and mortgage in a single visit, ensuring a fully compliant and transparent transaction.

Why choose EGSH for initial mortgage registration:

Authorised DLD Real Estate Trustee Centre
Completed in one visit with VIP service
Officially regulated government and DLD fees

All transactions are processed through the DLD’s official systems, ensuring accuracy, confidentiality, and same-day completion of the sale and mortgage registration.

Secure, Fast, and Legally Compliant DLD Registration

Contact EGSH

Visit our centre during working hours without an appointment, or book your visit at a convenient time. Our consultants provide full guidance on registering the sale and mortgage in compliance with DLD procedures.

Document Review

Our consultant verifies the sale contract, identification, and mortgage documents to ensure accuracy and compliance with DLD requirements.

Fee Payment & Submission

All applicable DLD and Trustee fees are confirmed and settled securely at the centre. EGSH then submits your application through the official Oqood system.

Certificate Issuance

Upon approval, the DLD issues the Mortgage Provisional Registration Certificate and e-map, which are sent directly to your email within six working days.

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 Liability Letter

Obtain a liability letter from the bank or a developer statement of the outstanding amount.

Valid Identification

Present the UAE ID of the buyer and seller for verification, or a valid passport for non-residents.

Manager’s Checks for Payment

Prepare three manager’s checks covering the mortgage amount, seller’s share, and DLD fees.

Power of Attorney (if applicable)

Provide a notarised power of attorney if someone represents the buyer or seller in the transaction.

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.

Legally Secure Your Mortgage-Backed Property in Dubai

Sale registration with initial mortgage is an official Dubai Land Department (DLD) service that records a property sale when the buyer purchases a unit with bank financing. The process registers both the sale and the mortgage simultaneously, ensuring the rights of the purchaser, developer, and bank are legally protected.

The service applies to individual buyers and companies purchasing properties in Dubai through mortgage financing. It covers new developments, off-plan units, and completed properties that are financed by a UAE-licensed bank. Registration is carried out through Oqood, DLD’s official electronic system for developer and mortgage-linked transactions, and completed through authorised Real Estate Trustee Centres such as EGSH.

Requirements for Initial Mortgage Registration in Dubai

The sale and purchase agreement must be signed by both the developer and the purchaser and registered in the provisional register within 90 days from the signing date. The financing bank provides an official letter stating the mortgage amount and date, along with three signed mortgage contracts between the bank and the buyer, allowing DLD to record the sale and the mortgage in a single process.

If the purchaser is a minor, the guardian must sign the contract and submit a copy of their passport or Emirates ID. For decree holders, a valid “To Whom It May Concern” letter from the Federal Authority for Identity, Citizenship, Customs and Port Security (ICP) and an additional nationality ID are required.

Sale and Mortgage Registration Process for Individuals and Companies

The sale registration with initial mortgage service is available for individuals and companies purchasing property with bank financing in Dubai. Individual buyers, whether residents or non-residents, must provide a valid UAE ID or passport, while companies are required to submit a valid trade licence, identification for the authorised signatory, and supporting company documents.

For Limited Liability Companies and individual establishments, the DLD requires a copy of the trade licence, the Memorandum of Association with its annexes (in Arabic or legally translated), and a shareholder certificate.

Gulf Cooperation Council (GCC) and foreign companies must additionally provide attested company documents, shareholder details, and, when applicable, a No Objection Certificate (NOC) from the relevant free zone valid for one year. All foreign documents must be legally translated into Arabic and attested by the UAE Ministry of Foreign Affairs.

Official DLD Channels for Sale and Mortgage Registration

Sale registration with initial mortgage is processed only through the DLD’s Oqood portal, the official electronic system for registering developer-related and mortgage-linked property transactions. All applications must be submitted online by DLD-accredited Real Estate Trustee Centres such as EGSH.

Payments for the DLD and government fees are made securely through the Noqodi Wallet, the official payment gateway connected to the DLD system. This ensures that all transactions are processed under regulated channels with full traceability and compliance.

Government Fees for Sale and Mortgage Registration via DLD

The DLD applies standard government fees for registering a sale with an initial mortgage. The seller and purchaser each pay 2% of the sale value, in addition to AED 10 Knowledge and AED 10 Innovation fees. A Title Deed fee of AED 250 applies to apartments, villas, and land plots, while map fees range from AED 100 to AED 250, depending on the property type and location.

For mortgage registration, the DLD charges 0.25% of the mortgage value, reflecting the total amount the bank finances. Developers registering the transaction through the Oqood portal are subject to an additional AED 1,000 self-registration fee.

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.

Sale of Mortgaged Property Registration

Sell your mortgaged property in Dubai with complete legal protection.

Title Deed Issuance

Property Ownership Inquiry

Submit a property ownership inquiry through EGSH.

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Frequently Asked Questions About Sale and Mortgage Registration

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