Service · Cash to mortgage

Cash-to-mortgage property conveyancing in Dubai

For a standard individual sale where the seller has no mortgage and the buyer is financing the purchase. Our service fee is AED 5,999 + VAT: AED 6,298.95 including VAT. Official and third-party charges are separate.

Why the buyer’s bank changes the preparation

The buyer’s lender has its own conditions, property checks and funding arrangements. A lending indication is not a substitute for confirmation that the particular transaction is ready for the next bank step.

The transfer plan needs to identify the lender output required, who obtains it and what the developer or trustee process needs before the file can move on.

What we coordinate

We organise the transfer documents and track the procedural dependencies between the buyer, seller, lender, developer and authorised registration channel. The file records what has been received and what remains outstanding, with the bank-related milestones kept visible.

We do not approve the mortgage, recommend a lending product or control the bank’s credit and funding decisions. The borrower remains responsible for satisfying the lender’s requirements.

The route through the file

Confirm the property and parties, verify that the seller has no mortgage and identify the buyer’s funding route. Appoint the applicable service. Build the property and identity file while the buyer progresses the bank requirements. Confirm developer clearance and coordinate the timing of lender outputs, funds and appointment readiness.

Before transfer, reconcile the buyer’s own contribution, mortgage funding and separate charges in a payment schedule. The lender and authorised channel confirm the actual payment instruments and recipients for the file.

Documents and confirmations to organise

Prepare the property record, sale agreement, party identities and developer clearance information. Keep the bank’s current transaction instructions and finance documents in the relevant file. Record any unresolved valuation, approval, insurance, contribution or signing requirement that the bank has identified.

Do not send identity or loan documents through a public calculator. Use the agreed secure intake process for the appointed service.

The service fee and other costs

Our published fee covers the agreed conveyancing coordination. Registration, trustee, developer, lender, mortgage-registration and payment-related charges are separate where applicable. Compare the categories in the fees guide.

Avoid the most common planning mistake

Do not work backwards from a desired appointment date while leaving the bank’s conditions undefined. Ask: “Which exact bank output is missing, who is responsible and which next step does it hold up?” That question produces a useful action, even when a general estimated date cannot.

Read the timeline guide and trustee preparation checklist.

What if the seller also has a mortgage?

That is the mortgage-to-mortgage route. Confirm both sides’ funding positions before appointment.

What if the bank changes the conditions?

Share the current written instruction with the coordinating team. The affected dependencies and appointment preparation need to be checked against that instruction.