Service · Mortgage to cash

Selling a mortgaged property to a cash buyer in Dubai

If your Dubai property has a mortgage and the buyer is paying without a mortgage, the sale still needs the seller’s lender settlement and release steps coordinated with the transfer. Conveyance organises the agreed document file, developer requirements, bank milestones and registration preparation. Our standard mortgage-to-cash service fee is AED 6,999 plus VAT, separate from official and third-party charges. Tell us where your sale has reached and which lender output is outstanding. You can discuss the scope before appointment, or use the published standard-service checkout when that route fits.

Our service fee is AED 6,999 + VAT: AED 7,348.95 including VAT. Official and third-party charges are separate.

Completed work from this desk: a cash purchase registered in August 2026 after the buyer declined third-party escrow — the case record.

Can I sell my mortgaged Dubai property to a cash buyer?

Yes, a mortgaged property can follow an applicable sale and release process. The seller's lender must supply the information and release evidence required for the transaction. The buyer paying without a mortgage does not make the seller's charge disappear. Confirm the bank and registration sequence before arranging the payments or treating the property as ready to transfer.

What this service includes and who it fits

We organise the transfer-file checklist, identify the bank and developer dependencies, track the relevant documents and prepare for the applicable trustee process. We make outstanding actions visible so the parties can see why a milestone is or is not ready.

We do not hold the buyer’s purchase money, discharge the bank’s security ourselves or guarantee the lender’s turnaround. The bank and official registration channel control their respective decisions and records.

It fits a standard individual sale: one or more individual sellers with a registered mortgage, a buyer paying without mortgage finance, a completed property. It is not the right service if the buyer is also borrowing (mortgage to mortgage), if the seller is a company (company to individual), or if no money changes hands (property gifting). A trust, foundation or disputed title is reviewed before any standard service is offered.

Seller-lender handoff: request → confirmed instruction → payment evidence → required release output

The sale needs an agreed route for the lender’s outstanding amount and the required release evidence. A buyer having funds available does not, by itself, remove the mortgage or make the title ready to transfer. Keep the lender’s current liability information, settlement instructions and release requirements connected to the property file. Confirm the actual sequence with the bank and authorised channel rather than importing the steps from another transaction.

1 Request. The seller asks the lender for the liability letter for this sale, addressed as the registration trustee or the buyer requires, together with its settlement instructions. 2 Confirmed instruction. The lender confirms the amount, the account or cheque details and the date to which the figure is valid — DLD’s mortgaged-sale page lists a cheque in the bank’s name for the amount of the debt, so this is the figure the trustee expects to see paid. 3 Payment evidence. The settlement is paid by the instrument the lender and the trustee centre accept, and the receipt or cheque copy goes into the file. 4 Required release output. The lender issues its release letter and the charge is removed from DLD’s register through the mortgage-release step, for which DLD lists “a letter from the bank for mortgage removal”. The order is fixed; the dates are not — the lender’s processing sets them, which is why no timeline is promised here. The liability letter and the mortgage discharge guide explain each output.

An illustrative walk-through of this route is on the examples page: mortgaged seller, cash buyer (illustrative, not a customer case).

If the release is delayed: identify whether the missing item is an updated amount, settlement confirmation, release letter or registration action. Keep the request reference and ask the responsible organisation for the specific next action. Use our bank-delay guide to structure the status request.

What is the difference between a liability letter and a release letter?

A liability letter sets out the lender's outstanding amount and relevant settlement details. A release letter is a later output used for the removal of the mortgage once the lender's requirements have been met. Evidence that money has been paid is not automatically the same as evidence that the charge has been released from the property record.

Does the buyer take over the seller's mortgage?

Do not treat a purchase as a simple change of name on the seller's loan. The documented sale, settlement and release arrangements must be confirmed with the organisations involved. If the buyer is borrowing, a separate buyer-finance dependency is introduced and the route needs to reflect both lenders.

What if the liability letter expires before completion?

Ask the lender whether an updated figure or replacement letter is required. Recheck the payment schedule and any dependent appointment arrangements. Do not pay an old figure simply because the original appointment used it. Record the current amount, its validity and the written instruction supporting the payment.

What if the buyer has paid but the bank has not released the mortgage?

Identify the missing output precisely: acknowledgement of settlement, release letter or the registration step. Keep the request and payment references together and obtain the lender's current status. Where delay threatens contractual obligations, obtain advice on those obligations; an administrative update does not itself extend an agreed deadline.

When the bank is the open item, the bank-delay guide sets out a focused status request.

What the buyer and seller each provide

Seller: the current title deed; the lender’s liability letter and settlement instruction; the developer’s e-NOC or clearance; identity document; a power of attorney if someone signs for the seller. Buyer: identity document; the purchase funds in the instruments the trustee centre and the seller’s lender accept. Both: the signed sale agreement (Form F, with any MOU) and the agreed allocation of fees; attendance at the appointment or an accepted representative. The document checklist builds the list for the actual file; How to sell property in Dubai covers the seller’s preparation.

Use the current property record, sale agreement, party identities, lender liability information and developer clearance documents. Record each time-sensitive document’s issue and validity details. If the settlement date changes, ask whether the earlier amount or instruction is still usable.

Confirm the seller’s remaining proceeds

The seller’s proceeds are the agreed price less the lender settlement on the appointment date, less the charges the seller has agreed to pay — DLD’s page puts the seller’s registration share at 2% of the sale value — and adjusted for any deposit already received and retained. Keep every amount that is not yet confirmed as outstanding rather than treating it as zero; the settlement figure in particular is confirmed on the appointment date, not estimated from an earlier letter. Cost of selling property in Dubai lists the seller-side lines; the seller-proceeds mode of the transfer-cost calculator works through the same figures.

Worked example: price, debt and deposit

Illustrative only: price AED 2,000,000; lender settlement AED 700,000; deposit AED 200,000 already received by the seller and credited under the agreement. Before charges or other adjustments, AED 1,800,000 of the price remains to be paid: AED 700,000 to the lender and AED 1,100,000 to the seller. The seller's total price proceeds after debt are AED 1,300,000, including the earlier deposit. The bank and trustee confirm the actual payment arrangements.

To run your own figures, open the transfer-cost calculator and choose “Seller proceeds”.

Current fee and exclusions

The mortgage-to-cash service fee is AED 6,999 + VAT (AED 7,348.95 including VAT), fixed for the published scope. Separate from it: DLD’s registration charges and property-record lines, the registration trustee’s fee, the developer’s NOC charge, the lender’s own charges, any valuation, and payment-instrument costs. These are paid to the organisation that levies them, not to Conveyance. The full inclusions and exclusions are on Pricing & fees.

The amount due to the lender, any remaining payment to the seller, official charges, trustee partner charges and our service fee have different purposes and recipients. Do not combine them into an unexplained “transfer fee”. Confirm payees independently before arranging a payment instrument.

What if the buyer is also borrowing?

Use the mortgage-to-mortgage service, which accounts for both lenders’ requirements.

Can the purchase money be paid to Conveyance?

We do not hold purchase money. Follow the confirmed bank and authorised trustee process for settlement.

Selling with a mortgage to clear? Tell us your lender and whether the buyer is paying cash. We can confirm the coordination scope before you appoint us.