Mortgage registration

How it works

Letter from the mortgagee bank
original
Three mortgage contracts certified by the bank and signed by both parties
original
Owner's Emirates ID (identification only) or passport
original
Electronic NOC from the developer
in some casescopyOnly if: For provisional (off-plan/Oqood) properties.
Legal power of attorney if someone acts for the owner
in some casesoriginalattestedlegal Arabic translationOnly if: Only for a representative; must expressly cover mortgaging this property.
Company owner: trade licence, Arabic-translated certified memorandum of association, POA or board resolution
in some casescopylegal Arabic translationOnly if: Only when the owner is a company (LLC).

In most cases the bank registers the mortgage itself through the DLD online mortgage system and the fee is deducted from the bank's account; the trustee-centre route is used when the client or bank asks for it.
DLD page lists eligibility as UAE citizens and residents.

Processing time: 20-25 minutes once the bank's documents are ready; outputs are emailed.
Validity of the result: Until the mortgage is released (separate mortgage-release service).
Where it is applied for: DLD online mortgage system (by the bank) or Real Estate Registration Trustee centres.

Client gets final loan approval and signed mortgage contracts from the bank.
Centre submits the documents at a Real Estate Registration Trustee office (or the bank uploads them online).
Fees paid; DLD audits and registers the mortgage; updated title deed/certificates are emailed.

Tips that save you a trip

Ask your bank whether it will register the mortgage online itself; then you may not need a trustee visit for this step.
Budget the 0.25% fee in cash: banks do not normally finance DLD fees.

Common reasons for rejection or delay

Mortgage contracts not certified by the bank or not signed by both parties, or fewer than three copies.
Developer NOC missing for an off-plan unit.
Existing restriction or another registered mortgage not addressed.

How much is the mortgage registration fee for a AED 1,000,000 loan?

The DLD rate is 0.25%, i.e. AED 2,500, plus the title deed and trustee fees listed above.

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; Dubai Law No. 7 of 2006 on 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.