Register the Sale of a Mortgaged Property in Dubai – Legally Secured Process

To register for the sale of a mortgaged property in Dubai, both parties must visit EGSH, a Real Estate Registration Trustee Centre. The process begins with document submission and the manager’s cheques. DLD then reviews the transaction and issues a cheque to settle the mortgage. Once the seller submits the mortgage release letter, the registration is finalised and the new title deed is issued.

Any individual or company holding a mortgaged property may sell it, provided the outstanding debt is disclosed and a liability letter is obtained from the bank or developer. The sale can proceed only after the mortgage is fully released.

Key documents include a liability letter from the bank or developer, valid identification (Emirates ID or passport), three manager’s cheques (to bank/developer, seller, and DLD), and a valid power of attorney if any party is represented.

A liability letter is an official document issued by the bank or developer confirming the outstanding amount on the mortgage. It must be obtained before initiating the sale registration.

The sale of a mortgaged property is permitted before full settlement. However, the DLD requires that the outstanding amount be paid at registration and the mortgage release letter be submitted before the ownership transfer is completed.

After paying off the outstanding mortgage using the cheque provided during registration, the seller must request a mortgage release letter from the bank. This letter is submitted to the trustee centre to finalise the title deed transfer.

DLD charges include 4% of the sale value, AED 1,290 for the mortgage release, AED 315 for registrar fees, AED 250 for title deed issuance, and applicable knowledge and innovation fees.

The initial registration process takes approximately 15–20 minutes. Once the mortgage release letter is submitted and validated, the Dubai Land Department finalises the title deed transfer, which typically takes 1–3 business days.

Yes. A valid notarised power of attorney is required for any representative to act on behalf of the buyer or seller during the DLD registration process.

Delays in providing the mortgage release letter will postpone the final registration and issuance of the title deed. This may also delay the buyer’s legal ownership and related obligations.

Accepted payment methods include epay, the Sadad Dubai platform, Noqodi wallet, and a manager’s cheque issued in favour of the Dubai Land Department.