What documents are required for registration of a DLD mortgage sale?

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.

Can I sell property with a mortgage in Dubai without paying off the loan first?

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.

How do I obtain a mortgage release letter in Dubai?

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.

How long does the DLD property registration process take for a mortgaged sale?

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.

What are the DLD fees for mortgaged property transactions?

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.

Register Sale of Mortgaged Property – Secure DLD Process with EGSH

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Mortgaged Property Sale Registration Services in Dubai

Complete Your Mortgage Property Sale Registration with EGSH

EGSH offers mortgaged property sale registration services in Dubai as an authorised Real Estate Registration Trustee Centre under the Dubai Land Department (DLD). A dedicated consultant manages your transaction, coordinating with the bank, buyer, and DLD to ensure a secure, compliant, and seamless process.

Benefits of choosing EGSH for your mortgaged property sale registration in Dubai:

Authorised by the DLD
Completed in one visit
VIP service without queues

All services are charged in accordance with official government fees and DLD regulations.

Complete Your Mortgage Property Sale Registration with EGSH

Contact EGSH

Visit our centre during opening hours—no appointment required. Mortgaged property sale registrations are processed the same day and without queues. You may also call or book online.

Document Review

Our consultant reviews the liability letter, ID documents, and manager’s cheques for debt, balance, and DLD fee. A notarised Power of Attorney is required when a representative attends.

Application Processing

We submit your file through the DLD system, arrange payments, and register the sale to secure both parties’ rights. You can relax in the lounge while DLD reviews the transaction.

Title Issuance

After the bank issues the mortgage release letter, EGSH finalises the transfer and obtains the updated Title Deed and e-map. Registration takes about 15–20 minutes.

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

Liability Letter or Developer Statement

Issued by the bank or developer, confirming the outstanding mortgage amount.

Identification Documents

Valid Emirates ID for residents or passport for non-residents.

Manager’s Cheques

Three cheques: to bank/developer (debt), seller (balance), and DLD (4% fee).

Power of Attorney

Required if a representative is acting on behalf of the buyer or seller.

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.

Key Aspects of Mortgaged Property Sales

The sale of a mortgaged property in Dubai is a regulated process overseen by the Dubai Land Department (DLD). This oversight ensures that all financial and legal obligations are properly settled before ownership is transferred. The procedure protects the interests of the bank, seller, and buyer by ensuring that no title deed is reissued until the mortgage has been officially released.

According to Law No. (7) of 2006 Concerning Real Property Registration in the Emirate of Dubai, the transfer of ownership cannot be completed without clearing all encumbrances registered on the property.

Process and Legal Requirements for Selling a Mortgaged Property

The process of selling a mortgaged property in Dubai includes settling the outstanding mortgage, obtaining a liability letter from the bank or developer, and formally recording the transaction with the DLD.

Registration is mandatory for any ownership transfer involving a mortgage, whether for individuals or companies. The procedure protects all parties by confirming the legal status of the asset and preventing disputes over liabilities or rights.

EGSH, as an authorised Real Estate Registration Trustee Centre, manages the entire process—coordinating with the seller, buyer, bank, and the DLD. EGSH prepares documents, submits applications, settles fees, and ensures full legal compliance until the final title transfer.

Procedural Features of a Mortgaged Property Sale

The sale of a property with a mortgage in Dubai involves two key stages: the provisional registration of the sale and the final ownership transfer after the mortgage is released. The seller and the buyer have specific responsibilities under DLD regulations, and the process must be completed through an authorised Real Estate Registration Trustee Centre, such as EGSH.

For the seller, the procedure begins with obtaining a liability letter from the bank or developer that confirms the exact outstanding balance of the mortgage. The seller must then provide three manager’s cheques—one to the bank or developer to settle the loan, one to the seller for any remaining amount, and one to the DLD for the 4% transfer fee. The seller is also responsible for submitting the mortgage release letter once the debt is cleared, which allows the DLD to finalise the title transfer.

For the buyer, the process ensures full legal protection. The transaction cannot be completed until the mortgage is officially released, guaranteeing that the property is transferred free of financial encumbrances. Buyers must visit the Trustee Centre with valid identification and verify the payment schedule with the seller and bank representative before signing the final documentation.

Government Fees for Mortgaged Property Sale Registration

The DLD charges specific fees for registering the sale of a mortgaged property, covering both the ownership transfer and the mortgage release procedures.

The official charges are as follows:

AED 1,000 – DLD registration service fee
4% of the property’s sale value – DLD property transfer fee
AED 2,100 – registrar’s fee if the property value is below AED 500,000
AED 4,200 – registrar’s fee if the property value is AED 500,000 or higher
AED 1,290 – mortgage release procedure fee
AED 315 – registrar fee for releasing the mortgage
0.25% of the mortgage value – if a new mortgage is registered
AED 250 – Title Deed issuance fee
AED 100–250 – land or building map (depending on property type)
AED 10 Knowledge Fee and AED 10 Innovation Fee per drawing

If the mortgage registration and sale are completed on the same day, the registrar’s fee is exempted. Otherwise, a service partner fee of AED 4,000 + VAT applies. All payments can be made through cash, cheque, credit card, ePay, Sadad Dubai, or Noqodi, with official electronic receipts issued immediately after settlement in accordance with DLD regulations.

Where a DLD Mortgaged Property Registration Process Can Be Completed

Applications must be submitted only through authorised Real Estate Registration Trustee Centres, such as EGSH, which are directly connected to the DLD systems. Our centre verifies all documents, collects official payments, and coordinates with the bank, developer, and DLD.

The initial registration of the mortgaged property is typically completed within 15–20 minutes. Once the mortgage release letter is submitted, the final ownership transfer and Title Deed issuance are completed within 1 to 3 business days.

This structure provides a legally secure framework for real estate transactions in Dubai, ensuring that every mortgaged property sale is processed transparently and in full compliance with DLD and UAE property laws.

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 Sale Registration Procedure

Still have any questions?

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