How to Request Mortgage Registration in Dubai
When purchasing a property, you can opt for either cash payment or a mortgage. Buying a property with cash involves a direct transaction between the buyers and sellers or real estate authorities, whereas a mortgage requires the buyer to consider several conditions beforehand. From loan amount to interest rates and mortgage pre-approval to registration, one needs to take care of many steps.
In this regard, Dubai Land Department (DLD) offers mortgage registration services in the Emirate. Let’s go through all the details about the process and required documents for mortgage registration in Dubai.
Request for Mortgage Registration in Dubai
When buying an apartment in Dubai on the mortgage, DLD offers mortgage registration in the Emirate. That said, the service allows registration of different types of mortgages in Dubai, such as usufruct mortgage, initial mortgage, and conservative mortgage.
Here are all the documents required, the process for requesting registration, and mortgage registration fees in Dubai.
DOCUMENTS REQUIRED

Individuals getting mortgage in Dubai need to submit the following documents for registration:
- A letter from the mortgagee.
- Three DLD-certified mortgage contracts signed by both parties (buyer and seller).
- Emirates ID card of the owner or passport copy of non-resident property owners.
- Obtain Electronic No Objection Certificate (eNOC) from the developer in the freehold areas via the Dubai Rest mobile application.
For the Sole proprietorship, the mortgagor (the property owner) needs to submit the following documents:
- Commercial Licence copy
- Emirates ID card or valid passport
The Limited Liability Company (LLC) needs to submit the following documents for mortgage registration:
- Copy of Trade licence.
- List of partners and equities (original and copy)
- Incumbency Certificate.
- Establishment contract (original and certified copy from the Ministry of Foreign Affairs and translated into Arabic).
- A document representing the company’s legal agency in case of a representative or a legally certified board of directors’ decision.
PROCEDURE FOR REQUESTING

Mortgagors or Mortgagees can register their mortgage through DLD’s eMortgage system (electronic system) or by visiting the Real Estate Registration Trustee offices. Let’s go through the complete process of mortgage registration in Dubai:
VIA ELECTRONIC SYSTEM
- After mortgage pre-approval in Dubai is obtained, the mortgagor needs to prepare all the required documents with the bank.
- The mortgagee bank employee enters the required documents on the eMortgage system.
- Mortgage registration fees are deducted from the bank account of the mortgagor.
- The title deed is obtained via email.
VIA VISITING DLD SERVICE CENTRES
- The individual submits the required documents to the DLD employee.
- The DLD employee enters the documents in the system for verification.
- The customer pays the fees and receives a receipt for payment.
- The title deed is delivered to the customer through email
MORTGAGE REGISTRATION FEES

Individuals need to pay the following mortgage registration fees in Dubai:
- 0.25% of the mortgage value
- AED 250 fee for title deed issuance (In the case of a normal mortgage)
- AED 250 fee for title deed issuance for each title deed (In the case of a conservative mortgage)
- Knowledge fees: AED 10
- Innovation fees: AED 10
Alongside, there is a service partners fees that need to be paid:
- AED 4,000 service fee +VAT
- AED 5,000 service fee +VAT (for initial sale registration called Oqoodi)
PAYMENT METHODS
The following are methods to pay DLD mortgage registration fees:
- ePay
- Dubai Pay
- Noqodi
- Manager Cheque to Dubai Land Department
FAQs
How much is the mortgage registration fee in Dubai?
The fee is 0.25% of the mortgage value.
Is it difficult to get a mortgage in Dubai?
With all the requirements in place, getting a mortgage in Dubai is a simple and straightforward process.
This was the complete mortgage registration process in Dubai. When you buy a house in Dubai, ensure that you register a mortgage as it protects the rights of both parties (mortgagor and mortgagee). Moreover, always ensure to consider the rules and regulations for property mortgage in Dubai and Abu Dhabi or any other Emirate where you reside.
Stay tuned to the UAE’s leading real estate blog to learn more about laws and regulations related to property buying and selling in the Emirates.