Mortgage registration is the official recording of a property mortgage with the Dubai Land Department (DLD), confirming the lender’s legal interest in the property as security for the home loan. Under UAE law, a mortgage is not legally enforceable against third parties until it is formally registered with the DLD making registration a mandatory step for all property financing in Dubai.
Al Taresh Trustee is a DLD-authorized trustee office in Umm Suqeim 3, Dubai, processing mortgage registrations, amendments, releases, and pre-registrations for individual buyers, investors, and developers across all Dubai property zones.
Al Taresh Trustee handles the full range of DLD mortgage registration services. Select the service that applies to your situation:
The standard registration of a new mortgage agreement between a property owner and a bank or lender. Required for all home loans and investment property financing in Dubai. The mortgage is recorded as an annotation on the property title deed, visible to all future parties.
A preliminary DLD recording used for off-plan properties or delayed transfers, where the final property registration has not yet been completed. Pre-registration protects the bank's interest during the construction or transfer period.
Used when the terms of an existing mortgage change including interest rate adjustments, term extensions, loan amount increases, or borrower detail updates. All changes must be formally recorded with DLD to update the title deed annotation.
The formal removal of a mortgage annotation from a property title deed after the loan has been fully repaid. A clean title deed is issued confirming the property is free of any mortgage obligation. Required before selling or gifting a property with a prior mortgage.
The service supports investors who wish to participate in land development projects through formally registered agreements that protect the rights of both parties. Whether the investor is an individual, a real estate development company, or a financial institution, the registration ensures transparency and legal security for all stakeholders.
The following process applies to standard mortgage registration (new mortgage on a completed, title-deeded property). Steps for off-plan pre-registration and mortgage release differ slightly see the relevant service pages for those processes.
Document requirements vary by transaction type. The following applies to standard mortgage registration. Contact our team for the specific checklist for your bank and property type.
Document | Buyer / Borrower | Bank / Lender |
Original property title deed | ✓ Provide | — |
Valid passport (original + copy) | ✓ Provide | ✓ Authorized signatory |
UAE Emirates ID | ✓ Provide (if resident) | — |
Formal mortgage offer letter | — | ✓ Must provide |
DLD-approved property valuation report | — | ✓ Arranged by bank |
Bank authorization letter (for their signatory) | — | ✓ Must provide |
Previous mortgage release letter (if applicable) | ✓ If prior mortgage existed | — |
The following fees are set by the Dubai Land Department and apply to all mortgage registrations processed through an authorized trustee office. These are government fees separate from the trustee office service fee.
Fee Type | Amount | Paid By | Notes |
DLD Mortgage Registration Fee | 0.25% of mortgage value + 290 | Borrower |
|
Mortgage Amendment Fee | 0.25% of amended amount | Borrower |
|
Mortgage Release Fee | 1,290 | Property owner | Includes DLD fees and title deed re-issuance |
Al Taresh Service Fee | Contact our office | By agreement | For trustee processing service |
Example calculation: For a mortgage of AED 1,500,000, the DLD registration fee is AED 3,750 (0.25%), plus AED (+ 290) in additional fees total approximately AED 4,040 in government charges.
Dubai’s freehold property system allows foreign nationals to obtain mortgages and register them with DLD in designated freehold areas, subject to eligibility criteria set by individual banks. The DLD mortgage registration process is the same for both UAE nationals and expats.
Transaction Type | DLD Processing Time | Total Timeline (including bank) |
New mortgage registration (documents ready) | Same day at trustee office | same days (after bank issues offer letter) |
Mortgage pre-registration (off-plan) | Same day at trustee office | same days (off-plan verification) |
Mortgage amendment | Same day at trustee office | same days (bank processing of amendment) |
Mortgage release | Same day at trustee office | same days (bank to issue NOC after final payment) |
Al Taresh Trustee handles the complete range of DLD mortgage services registration, pre-registration, amendment, and release for buyers, investors, and developers across Dubai.
WhatsApp: Send your document list for a free pre-check before your appointment
Visit our office: Shop No. 27, The Mall, Umm Suqeim 3, Dubai
Call us: +971 4 889 5945
The Dubai Land Department mortgage registration fee is 0.25% of the total mortgage (loan) amount, 290AED. For a mortgage of AED 2,000,000, the DLD fee would be AED 5,000, plus approximately AED 290 in additional fees a total of approximately AED 5290 in government charges.
At Al Taresh Trustee, mortgage registration is typically processed on the same day as your appointment, provided all documents are complete and correct. The updated title deed with the mortgage annotation is issued the same day.
Mortgage registration is the full DLD recording of a mortgage on a completed, title-deeded property. Mortgage pre-registration is a preliminary recording used when the property transfer is not yet complete typically for off-plan properties under construction or delayed sale transactions. Pre-registration protects the bank’s interest during the period before the final title deed is issued.
Yes. Foreign nationals can obtain and register a mortgage in Dubai for properties in designated freehold areas. The DLD mortgage registration process is the same for both UAE nationals and expats. Individual bank eligibility criteria – income requirements
The bank must provide: a formal mortgage offer letter, an authorization letter for their signatory attending the trustee office, and confirmation of the DLD-approved property valuation. The borrower provides: original title deed, passport copy, Emirates ID, and any mortgage clearance documentation if a previous mortgage existed on the property.
Mortgage release requires a No Objection Certificate (NOC) from your bank confirming the loan is fully repaid. You then bring the title deed and the bank NOC to our trustee office. The DLD fee for mortgage release is a fixed AED 1,290. We process the release the same day and issue a clean title deed with no mortgage annotation. The most time-consuming part is typically the bank issuing the NOC.
Any change to an existing mortgage including interest rate adjustment, term extension, loan amount increase, or borrower detail update must be formally registered with DLD as a mortgage amendment. 1,290 to modify the mortgage. + 0.25% of new mortgage price + 290. Your bank must provide a mortgage amendment letter before the trustee office can process the update.
