For Dubai property sales where the seller has an existing registered mortgage and the buyer is purchasing with new mortgage finance.
Conveyance.ae coordinates the seller’s mortgage settlement and release with the buyer’s valuation, final finance documents and new mortgage registration through to issuance of the buyer’s title deed.
Official, lender and third-party charges are separate. Documents can follow after appointment.
This service is intended for a property sale where:
The seller’s mortgage is not transferred to the buyer. It is released, while the buyer’s new mortgage is registered separately.
This may not be the correct route if the seller will discharge the existing mortgage before the sale, the buyer is purchasing without finance, the property is company-owned, or the proposed transfer is a gift.
We identify the seller’s registered mortgage, the buyer’s proposed lender and the documents and dependencies attached to both sides of the transaction.
The seller’s bank must confirm the outstanding mortgage liability and the requirements for settlement and release. We coordinate the liability-letter requirement, amount, validity period and applicable release instructions around the proposed transfer timetable.
We coordinate with the buyer’s appointed lender or mortgage adviser regarding the valuation, underwriting, final mortgage documents, buyer contribution, registration and disbursement requirements. Conveyance.ae does not approve or arrange the buyer’s mortgage. The lender remains responsible for all lending and credit decisions.
The buyer’s lender will ordinarily commission a property valuation before providing final property and finance approval. We track the valuation dependency and its effect on the amount available and the transfer timetable. The bank valuation is for lending and security purposes; it is not a structural survey, snagging report or independent assessment of the property’s condition.
The seller’s liability letter, the buyer’s valuation and final approval, both banks’ documents, the developer NOC and the trustee requirements may each have separate validity periods. We coordinate these dependencies so the file is not presented for registration with an expired or incomplete component.
Some developers require a pre-NOC property inspection, particularly for villas, to identify unauthorised alterations, extensions or other departures from the approved property record. Where required, we coordinate and attend the developer’s inspection, follow the applicable procedural requirements and coordinate issuance of the developer NOC.
The transaction may involve settlement of the seller’s mortgage liability, payment of any remaining balance to the seller, the buyer’s own contribution, the buyer lender’s approved finance amount, DLD sale-registration charges, mortgage-release and new mortgage-registration charges, and trustee, developer, bank and payment-instrument charges. We organise these into a transaction-specific schedule. Conveyance.ae does not receive or hold the mortgage funds or property purchase money.
Once the seller’s confirmed liability has been settled through the applicable official process, the seller’s bank must complete its procedures and issue or register the required mortgage release. We track this dependency and coordinate submission of the release evidence required for the transaction to proceed.
Following acceptance of the seller’s mortgage release and satisfaction of the buyer lender’s requirements, the sale and buyer’s new mortgage registration are completed through the applicable DLD and authorised trustee process.
The exact document and payment requirements are confirmed after we review the property, parties and both lenders.
Each lender determines its own precise requirements and validity periods.
You provide the transaction details and appoint Conveyance.ae. Documents may be supplied immediately or after the file has been opened.
We verify that the seller has an existing registered mortgage and that the buyer requires new mortgage finance.
We identify the buyer’s lender and establish what has already been completed: approval in principle, valuation, final underwriting or mortgage documentation. Approval in principle is not final approval or guaranteed finance.
The seller obtains a current liability letter from the existing lender. We review the amount, validity and settlement requirements against the proposed transaction.
The buyer’s lender completes its valuation, credit and property checks before preparing the final mortgage documents and registration requirements.
Identity, property and sale documents, together with the developer inspection and NOC requirements, are coordinated alongside both bank processes.
We establish the requirements that must be satisfied before the buyer’s lender is ready, the seller’s liability can be settled and the new mortgage can be registered.
The seller-bank liability, remaining seller balance, buyer contribution, buyer-lender amount and applicable official and third-party charges are separated and confirmed.
The applicable documents and payments are presented through the DLD-authorised trustee process to protect and progress the transaction while the seller’s mortgage is being settled and released.
The seller’s bank completes its discharge requirements and provides the mortgage-release confirmation required by DLD.
Once the seller’s mortgage release and the buyer lender’s requirements have been accepted, the sale and buyer’s new mortgage registration are completed through the applicable DLD process.
The buyer receives the new electronic title deed recording the buyer’s ownership and the newly registered mortgage.
The exact sequence and payment mechanics may vary between lenders and transactions. Conveyance.ae cannot control either lender or the authority’s processing time.
Your service includes:
The published professional fee applies to a standard mortgage-to-mortgage property sale involving one seller mortgage and one buyer lender.
Any identifiable third-party charges are explained separately before they are incurred.
“Mortgage-to-mortgage” is a practical description of the transaction route. It does not mean that the seller’s mortgage is transferred to the buyer. The seller’s existing mortgage must be settled and released. The buyer’s new mortgage is then registered through the applicable lender, DLD and authorised trustee procedure.
The seller’s bank determines its liability and mortgage-release requirements. The buyer’s lender determines credit approval, valuation, finance terms, mortgage documents and disbursement requirements. DLD determines whether the mortgage release, sale and new mortgage registration can be completed. Conveyance.ae prepares and coordinates the transaction around those requirements.
Conveyance.ae is an independent service operated by Cendale Documents Clearing Services FZCO. It is not part of Dubai Land Department or either lender and cannot approve finance or override their requirements.
View the official DLD mortgaged-property sale service View the official DLD mortgage registration serviceFor a company-owned property, gift transfer or another ownership structure, use the route finder to identify the appropriate service.
