A Dubai mortgage is registered and transferred through two separate Land Department services, and their bills are almost identical: 0.25% of the loan plus fees. One line differs materially, though — for a property in the provisional register the service-partner fee is a thousand dirhams higher.
Checked against official sources on 17 September 2026: the Dubai Land Department service cards "Mortgage registration application" and "Mortgage transfer application". Both pages were read in their raw form; every figure carries its source link, and the sources are listed at the end.
The mortgage statute itself we covered separately, and the loan ceilings under the CBUAE rulebook here. This piece is about the third thing: what it costs to register a mortgage in the register and to transfer it.
Two services, both covering every kind of charge
Registration: "This service allows applying for mortgage registration of all types (mortgage registration application / usufruct mortgage registration application / provisional mortgage registration application…)".
Transfer: "This service allows applying for mortgage transfer of all types (mortgage transfer application / usufruct mortgage transfer application / provisional mortgage transfer application…)".
Both therefore cover an ordinary charge, a usufruct charge, and a provisional one — the charge recorded against a property still in the provisional register, not yet handed over.
The core of the bill is the same
Both cards name the same base.
| Line | Value | Where it is named |
|---|---|---|
| Fee on the mortgage amount | 0.25% of the mortgage value | registration · transfer |
| Title deed | AED 250 for each | registration · transfer |
| Knowledge and innovation | AED 10 each per drawing | registration · transfer |
| Processing: registration | 20–25 minutes | DLD card |
| Processing: transfer | 15–20 minutes | DLD card |
The 0.25% is stated for the case of an ordinary mortgage with an ordinary or usufruct title deed. The same quarter per cent appears in the bill for buying a mortgaged property if you are financing that purchase.
A portfolio mortgage is counted by the number of title deeds. The transfer card says so directly: AED 250 for issuing each title deed, multiplied by the number of deeds, on top of the other fees.
The line that differs: off-plan costs more
The service-partner fee is stated in two tiers, and what separates them is not the loan size but the kind of property.
| Case | Partner fee | Where it is named |
|---|---|---|
| Ordinary charge | AED 4,000 + VAT | registration · transfer |
| Provisional (Oqood) | AED 5,000 + VAT | registration · transfer |
The difference is a thousand dirhams plus VAT, and it arises precisely where the charge is recorded against a property in the provisional register — that is, against a property still under construction. Exactly the case covered in Oqood versus Title Deed and reselling off-plan.
An off-plan property needs the developer's electronic NOC
Among the documents both cards name: "A no-objection e-certificate (E.NOC) from the developer of the provisional sale properties (via Dubai REST App)" — a no-objection certificate from the developer, electronic, through the Dubai REST app, for provisional-sale properties.
The requirement is the same as on an off-plan resale: without the developer's NOC the operation does not assemble in the system.
Channels
Both services are filed through the Department's website (the online mortgage system) and Real Estate Registration Trustees centres. Each has its own form: the "Mortgage Form" for registration, the "Mortgage transfer form" for transfer.
What we do not claim here
- The loan's own rates and terms. The cards describe registering a charge, not banking conditions; LTV ceilings are covered separately.
- Who bears the 0.25% by agreement. The cards name the fee but do not allocate it between borrower and bank.
- Why a provisional charge costs a thousand more. The amount is named; an explanation is not.
- Bank timelines. The stated times are the Department's, not the bank's document issuance.
Sources
- Mortgage registration application — service card: all types of charge, the 0.25% fee on the mortgage value, AED 250 per title deed, AED 10 each per drawing, service-partner fees of AED 4,000 + VAT and AED 5,000 + VAT for provisional (Oqood), 20–25 minutes, the online mortgage system and trustee-centre channels.
- Mortgage transfer application — service card: the same types and the same base bill, the per-title-deed rule for a portfolio mortgage, 15–20 minutes.
