How to Request Property Mortgage Redemption
Requesting property mortgage redemption is a formal process that allows property owners to release a mortgage registered against a property once the loan has been fully repaid. This ensures that the title deed is free from any financial encumbrances and reflects full ownership. In Abu Dhabi, this service is facilitated through the DARI platform, offering a structured and efficient digital application process.
Service Overview

The Request Property Mortgage Redemption service enables property owners to officially remove a mortgage linked to a land parcel or unit. Upon successful completion, the relevant authorities issue a Mortgage Release Certificate and update the property records accordingly.
Eligibility Criteria
Applicants must meet the following conditions:
- The property and its owners must not have any legal or administrative blocks
- Individuals must possess a valid Emirates ID or passport (for non-UAE residents)
- Companies must hold a valid Trade License
Required Documents
To proceed with the property mortgage redemption letter request, the following documents are required:
- Mortgage Release Letter issued and uploaded by the bank
- Valid identification documents (Emirates ID or passport)
- Trade License (for corporate applicants)
Mortgage Redemption Process
The application process involves the following steps:
- Initiate the application through the available service channels
- Select the relevant property mortgage contract
- Upload all required documents
- Submit the application for review
- The application is forwarded to the designated authority for approval
- Pay the applicable service fees
- Upon approval, download the issued documents
Service Fees
The applicable fees are as follows:
- Department of Municipalities and Transport (DMT): AED 900 per property
- Abu Dhabi Smart Services Fee (EASF): AED 55 (excluding 5% VAT)
Payment Methods
Payments can be made using:
- Digital wallet
- Credit or debit card
Service Channels
Applicants can access the service through the following channels:
- DARI Website
- DARI Mobile Application
- ADREC at Your Place
- ADREC Trustee Offices
Service Output
Upon successful completion of the process, the applicant will receive:
- Mortgage Release Certificate
- Payment Receipt
- Updated Title Deed
Important Considerations

Applicants are advised to ensure that all required documents are accurate and up to date prior to submission. Additionally, confirmation should be obtained from the bank regarding the issuance of the mortgage release letter to avoid delays in processing.
FAQs
What is a mortgage redemption and why is it necessary?
Mortgage redemption is the process of removing a lender’s claim after full loan repayment, ensuring the property title is clear.
Can I initiate the property mortgage redemption process online?
Yes, the request for property mortgage redemption online can be initiated online through the official DARI platform.
Requesting property mortgage redemption is an essential administrative step following the full settlement of a mortgage. Completing this process guarantees that the property title is clear and legally reflects full ownership without any outstanding financial obligations.
Once your property is unencumbered, it not only secures your ownership but also enhances your flexibility to sell, reinvest or upgrade within the real estate market. For those looking to take the next step, exploring properties for sale in Abu Dhabi can provide valuable insight into available opportunities and help guide your next investment decision.
For more helpful tips on buying, selling and financing property in the UAE, stay tuned to dubizzle’s property blog.