How to Request a Mortgage Transfer in Dubai
Mortgages serve as a useful financial tool for people dealing in real estate. If any customer requests a mortgage in Dubai, there are options for them to transfer it as well. One of the most common reasons for transferring a mortgage is to take advantage of better loan terms offered by other lenders.
Before applying for a mortgage transfer in Dubai, it is important to understand the process of requesting one. Here we have detailed the process steps, the documents and the fees required for requesting a mortgage transfer in Dubai.
Request for a Mortgage Transfer in Dubai

The process of mortgage transfer in Dubai is governed by the Dubai Land Department – DLD. It is responsible for supervising property-related matters in the Emirate. The service for mortgage transfer allows customers to transfer all types of mortgages from the current financer to a new one, to guarantee property rights.
Detailed below is the list of documents required, fees and the process to request for mortgage transfer in Dubai.
Documents Required
The documents required for requesting mortgage transfer in Dubai are different for individual customers, sole proprietors and Limited Liability Companies (LLCs). The following is the list of documents required for each category.
For Individual Customers
If an individual customer requests a mortgage transfer in Dubai through Real Estate Trustees’ offices, they will need to provide the following documents:
- NOC from the previous bank for mortgage transfer.
- Three certified mortgage contracts by the mortgagee bank. They should be signed by both parties in the contract.
- Letter from the new bank registering the mortgage.
- Owner’s Emirates ID card (for identification only).
- Power of Attorney (in case someone else is appointed on the individual’s behalf).
However, an individual customer can also request a mortgage transfer by submitting the following documents electronically through the bank:
- Owner’s Emirates ID card (for identification only).
- Electronic NOC (eNOC) from the developer in the freehold areas (can be obtained through Dubai REST App).
Sole Proprietorship
For sole proprietors, the following documents are required to request a mortgage transfer in Dubai.
- Emirates ID Card or valid passport copy (for non-residents of UAE).
- Copy of the commercial licence.
- Power of Attorney (in case someone else is appointed on the individual’s behalf).
Limited Liability Companies (LLCs)
For LLCs, the following documents are required to request a mortgage transfer in Dubai.
- Certificate of Incumbency.
- Trade licence and page of partners and equities (both original and copy).
- A legal agency (applicable if a representative’s or a legally certified board of directors’ decision is made).
- Establishment contract including appendices, if any (both original and copy certified by MOFA – Ministry of Foreign Affairs). They must be translated into Arabic.
Dubai Mortgage Transfer Procedure

A customer can request a mortgage transfer in Dubai either electronically via bank or by visiting any of the Real Estate Trustees’ offices. The service time usually takes 15 to 20 minutes. Follow these steps for the Dubai mortgage transfer procedure.
Mortgage Transfer Electronically Via Bank
- The customer submits the required documents to the bank’s employee.
- The employee uploads all the documents, via DLD Document Vault, in the electronic mortgage system.
- The transacted data is audited by the bank auditor.
- After that, DLD verifies the data and deducts the required fees from the bank’s account.
- The results of the mortgage transfer request are sent to the customer via email.
Mortgage Transfer Via Real Estate Trustees’ Offices
- The customer visits a Real Estate Trustees’ office with the required documents.
- The documents are submitted to an office employee who enters the documents in the system for data verification.
- The customer pays the required fees and receives the payment receipt.
- The results of the mortgage transfer request are sent to the customer via email.
Mortgage Transfer Fees

The following is the fee schedule for the customer to pay when requesting a mortgage transfer in Dubai.
- 0.25% of the total mortgage value
- AED 250 for title deed issuance (in case of a conservative or regular mortgage having title deed or usufruct title deed)
- AED 10 for knowledge fees (applicable on each fee)
- AED 10 for innovation fees (applicable on each fee)
Alongside, the customer also has to pay the service partner fees which are as follows:
- AED 4,000 service fee + VAT
- AED 5,000 service fee + VAT (for initial sale registration – Oqoodi)
Payment Method
A customer can pay the DLD fees via these payment methods:
- Dubai Pay
- Noqodi
- ePay
- Manager Cheque to DLD
Documents Issued to the Customer
The title deed and remaining balance fees (if any) are the two things issued to the customer when the request for mortgage transfer in Dubai is approved.
That’s a wrap for mortgage transfer in Dubai. While there can be many reasons for getting a mortgage in Dubai, similarly customers can have their reasons for mortgage transfer. Most commonly, a customer may seek to transfer a mortgage to a new lender to obtain more favourable terms such as more flexible repayment options.
That said, DLD offers many other services related to mortgages in Dubai. This includes the sale registration of a mortgaged property in Dubai as well. However, when applying for mortgage-related services with DLD, the applicant must be aware of the laws and regulations pertaining to mortgages in Dubai.
Besides, if you haven’t yet found an ideal property, browse this list of properties for sale in Dubai and have your pick.
Keep visiting dubizzle’s property blog for information on DLD services.