Dubai Land Department

Mortgage Registration

This service allows the registration of a mortgage (first or second degree) on a completed property in favor of a financing entity to secure its rights against the property as collateral.

What you need to bring

Original Title Deed or Pre-Title Deed
Passport and Emirates ID of the buyer/mortgagor (non-residents: passport only)
Power of Attorney + POA holder's passport and Emirates ID (if applicable)
NOC from the developer / Service Charge Clearance (if required)
Original mortgage letter from the bank, with the authorized bank signatory present at the time of registration
Three original mortgage contracts signed by both parties (buyer and bank)
If signing via POA: the POA document must explicitly mention the authority to sign the mortgage contract on behalf of the buyer
If authorization is issued outside the UAE: original authorization letter attested by the Ministry of Foreign Affairs

What it costs

DLD fees

4% of the sale value or valuation
0.25% of the mortgage value + AED 290 administrative fee

Trustee fee

AED 4,000

How to pay

To DLD: manager's cheque, card, or payment link

To the Trustee office: card or cash

How long it takes

The whole process is completed in 10–20 minutes at the Trustee office.

Ready to get started?

Book an appointment at our Trustee office and our team will handle the rest.

Book this service