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Dubai Land Department
Sale of Mortgaged Properties
This service applies when a seller has an existing mortgage on their property and wishes to sell it. Since the mortgage must be cleared before the title can transfer, the property is first "blocked" at DLD — securing all parties' rights and holding the funds — while the seller settles the outstanding loan with the bank. Once the bank issues a mortgage release letter, the full transfer is completed.
What you need to bring
- Original Title Deed
- NOC from the developer (if required)
- MOU or Sale Contract (if applicable)
- Liability Letter addressed to Dubai Land Department in Arabic
- Passport and Emirates ID for both buyer and seller (passport + entry stamp for non-residents)
- Email and phone number for both parties
- Three manager cheques — for the Seller, DLD 4% fee, and the Bank (all three are mandatory for blocking)
- Power of Attorney (if applicable)
- POA holder's passport, Emirates ID, phone number and email (if applicable)
What it costs
DLD Transfer fees
- 4% of sale price (must be in manager's cheque)
- + Title Deed fee: AED 580 for apartments, or AED 430 for land or villas
Trustee Transfer fees
- AED 4,200 — if sale price ≥ AED 500,000
- AED 2,100 — if sale price < AED 500,000
Blocking fees — paid by Buyer (Total: AED 1,545)
- AED 1,020 (card or payment link)
- AED 525 (card or cash)
Release fees — paid by Seller
- Normal mortgage: AED 1,290 + AED 315 = AED 1,605
- Ejara mortgage: AED 1,560 + AED 315 = AED 1,875
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