Service · Mortgage to mortgage

Mortgage-to-mortgage property conveyancing in Dubai

For a standard individual sale where the seller has a mortgage and the buyer is using a mortgage. Our service fee is AED 9,999 + VAT: AED 10,498.95 including VAT. Official and third-party charges are separate.

Two lenders, one transfer file

The seller’s lender needs its settlement and release requirements addressed. The buyer’s lender needs its own conditions and funding arrangements completed. The developer and registration process also need the correct documents at the correct stage.

The coordination problem is the relationship between those milestones. A document from one bank may be needed before another participant can act. A promised appointment date is only useful when those dependencies are understood.

What Conveyance coordinates

We organise the agreed administrative file, document gaps, lender and developer milestones, payment schedule and trustee readiness. The file should show the required output, responsible party and next action for each unresolved item.

We do not grant finance, control bank approvals or act as a holder of purchase funds. Parties remain responsible for their contractual and lender obligations; the authorised organisations make acceptance and registration decisions.

The evidence sequence

Confirm both mortgage positions and the applicable sale route. Appoint the service. Assemble property, identity and agreement records. Record the seller’s current liability and release requirements. Record the buyer’s finance conditions and contribution requirements. Coordinate the documented bank handoffs with developer clearance and the applicable trustee process.

Before the final appointment, reconcile payment instructions, authority to sign, current originals and the output expected from each participant. Use the readiness standard as a structured preparation reference.

Use a milestone sheet, not a general “bank pending” note

For each bank item record: the requested document or decision; its request reference; the person responsible; the current status; the written instruction; and what cannot proceed until it is resolved. This makes a delayed valuation, release output or funding condition distinguishable from each other.

Our mortgage discharge guide explains the seller side. The cash-to-mortgage page explains the buyer-finance dependency.

Understand the cost categories

Our fixed service fee is separate from the lender settlement amount, financing charges, official registration charges, trustee partner charges and developer costs. Some charges depend on how the confirmed process is executed. Use the fees and payment guide to organise them; follow the current file instructions for exact payments.

Does using the same bank make this a cash route?

No. The seller’s mortgage and buyer’s finance still need to be identified. The actual bank procedure may differ, but it does not justify changing the facts entered into the route finder.

Can work start before every document is available?

Documents can follow through the agreed appointment process. Missing evidence is recorded and addressed; it is not treated as already cleared.