Mortgage amendment (normal, development, deferred sale or Oqood)

How it works

Letter from the bank amending the mortgage
original
Three mortgage contracts certified by the bank and signed by both parties
original
Emirates ID of the owner (shown for identification only; no copy is taken) or a valid passport for non-resident foreigners
original
Legal power of attorney, if someone acts for a party
in some casesoriginalattestedlegal Arabic translationOnly if: Only when a representative attends; it must expressly cover this transaction on this property. A POA made abroad must be attested and legally translated into Arabic.
If a party is a company: trade licence (with the partners page), memorandum of association with annexes (MOFA-attested with Arabic translation), job-title certificate of the signatory, and a POA or notarised board resolution
in some casesoriginalattestedlegal Arabic translationOnly if: Only when the owner or buyer is a company. A company that is not yet registered in the DLD system must first be registered (separate company-registration service).

Usually the bank files the amendment through the DLD online mortgage system; the trustee route is used when needed.

Processing time: DLD: 10-15 minutes at the trustee office.
Validity of the result: Until the mortgage is released.
Where it is applied for: Real Estate Registration Trustee offices, or the bank itself through the DLD online mortgage system.

Client agrees the change with the bank and collects the bank's letter and certified contracts.
Our centre checks the file and submits it at a Real Estate Registration Trustee office; all documents are uploaded to the DLD digital vault.
The fees are paid (e-pay, Dubai Pay, Noqodi or a manager's cheque to DLD) and a receipt is issued.
DLD audits and registers the transaction; the updated title deed / certificate is sent by email.

Tips that save you a trip

If you only extend the term, say so: the fee is fixed (AED 1,000) instead of a percentage.

Common reasons for rejection or delay

What does a term-only change cost?

DLD charges AED 1,000 + AED 20, and the trustee fee is AED 300 + VAT. Our staff confirm the total.

Checked by the MARIO E.G.S.H team on 2026-10-08. Rules can change at any time; our consultant confirms the details for your case.

Official sources

Legal basis

Dubai Law No. 14 of 2008 concerning Mortgages in the Emirate of Dubai; Dubai Law No. 7 of 2006 concerning Real Property Registration

Updates your registered data in the Dubai Land Department's records, at the centre or online.

Obtains a to-whom-it-may-concern letter about your property from the Dubai Land Department.

Obtains an official certificate of your property's registered details from the Dubai Land Department.

Obtains the land map (affection plan) showing your plot details from the Dubai Land Department.