Service · Cash to cash
Cash-to-cash property conveyancing in Dubai
For a standard individual sale where the seller has no mortgage and the buyer is purchasing without mortgage finance. Our service fee is AED 4,999 + VAT: AED 5,248.95 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.
When this route fits
The property is a completed property with the relevant title record, the sale is between individuals and no lender settlement or buyer mortgage is involved. “Cash buyer” means the purchase is not mortgage-funded; the payment method still follows the confirmed transaction instructions.
If an owner is a company, a party needs representation, there is a restriction or the property is off-plan, ask us to check the route before selecting a standard service.
What we coordinate
We organise the property and party information, review the document list for missing or inconsistent items, coordinate developer requirements and prepare the file for the applicable trustee process. We keep the outstanding actions visible through registration follow-through.
For this route, the absence of a bank does not remove the need to check authority, clearances, funds or attendance. A party with the wrong original identification can still leave the file unready.
The preparation sequence
Confirm the route and scope, appoint the service and provide the initial property and party details. Build the current document file and resolve mismatches. Confirm the developer’s requirements and NOC position. Agree and independently confirm the payment schedule. Check originals, representation and appointment arrangements before proceeding to the authorised registration channel.
Read the complete process for the responsibilities at each stage.
Documents to prepare
Start with the property record, buyer and seller identity details, sale agreement and developer clearance information. Add authority evidence where someone acts for a party. Keep the current versions together and flag anything that is unavailable rather than substituting an old copy.
Use the document checklist to prepare, then follow the exact list issued for the file.
Related reading: Developer NOC in Dubai property transfers · Buying property in Dubai: the process from preparation to transfer · How to sell property in Dubai: preparation, sale and transfer · Cost of selling property in Dubai: fees and net proceeds.
Costs outside our service fee
The property payment, official registration costs, trustee partner fee, any developer charge and payment-instrument costs are separate. The cost calculator helps organise the categories; the final payment instructions come from the actual transaction.
How much money do I need beyond the agreed price?
Prepare two totals: the property price still payable and the separate costs of completing the transaction. A deposit reduces the price balance only to the extent that the agreement credits it and the completion arrangements account for it. Do not count the same deposit as both money already paid to the seller and money still held for release.
| Payment line | What to establish before arranging it |
|---|---|
| Property price balance | Agreed price, deposit treatment and any agreed adjustments |
| DLD and trustee amounts | Current charge schedule, payer and accepted payment channel |
| Developer and other costs | Confirmed charges, recipient and whether already settled |
| Conveyance service | AED 4,999 plus VAT; AED 5,248.95 including VAT |
Keep unconfirmed amounts visible as "to confirm". They are not zero. Use the existing transfer-cost calculator for its stated components, then add the actual file-specific charges and adjustments.
Can I book a transfer as soon as the funds are available?
Funds are one part of readiness. First establish that the developer output, identity documents, signing authority and payment instructions will be usable for the appointment. A bank balance does not resolve a mismatch in the property record or an absent owner. Confirm each outstanding item before treating an appointment as ready to complete.
Does a cash buyer need a UAE bank account?
The practical question is which accepted payment arrangements are available for this particular buyer and transfer. Establish that with the proposed bank or payment provider and the registration channel before committing to a completion date. A provider's account, source-of-funds and issuance requirements can differ. Conveyance coordinates the agreed file; it does not open bank accounts or hold the purchase money.
What changes if the seller still has a mortgage?
The purchase becomes a mortgage-to-cash route even though the buyer is not borrowing. The seller's outstanding debt, settlement instructions and release output must be incorporated into the plan. Ask for that position early; discovering it after payment instruments have been ordered can change the arrangements.
Do I still need an agent if I have already found the seller?
Finding the parties and preparing the transfer are separate tasks. Tell us what has already been agreed and whether any brokerage appointment exists. We can discuss procedural coordination for a direct transaction. Questions about a signed brokerage agreement or contractual rights need to be addressed on their own terms.
Worked example: the deposit is not an extra payment
Illustrative only: a property price is AED 2,000,000 and an AED 200,000 deposit is agreed to be credited at completion. The remaining price is AED 1,800,000 before any other agreed adjustments. Official charges and the coordination fee are additional lines. If the deposit is still held by another party, the schedule must also explain its release. This is arithmetic, not a complete transaction quotation.
Official reference: Dubai Land Department — Property Sale Registration.
What can hold up this route?
Typical preparation issues include mismatched names or unit details, unresolved developer requirements, an unclear representative’s authority or payments prepared for an unconfirmed recipient. Our readiness check helps identify which evidence is still missing.
Can you promise a completion date?
We can identify the next required action and coordinate the agreed scope. We do not control authority acceptance, developer decisions or appointment availability. A useful target is based on the current file, not simply the absence of a mortgage.
Does paying the service fee transfer the property?
No. It appoints Conveyance to the selected service. The ownership change happens through the applicable official registration process.