Inside UAE's One-Day Mortgage: The Future of Property Transfers Is Here

The UAE’s real estate market has taken a cutting-edge leap with the introduction of the one-day mortgage UAE initiative. Aimed to transform the Emirates’ comprehensive mortgage release procedures into a simpler 24-hour digital process, the collaborative efforts of the Ministry of Energy & Infrastructure (MoEI), Emirates Development Bank, and local land registries initiated this revolutionary strategy.

Through this one-day mortgage release process UAE, bureaucracy can be optimally reduced and buyers are ascertained of the speed and transparency of the procedure. With homeowners seamlessly embracing this innovation, the faster, tech-savvy, and customer-centered future of property transfers in the UAE is testified.

The Complex Traditional Mortgage Release

Before this innovation, clearing a mortgage in the United Arab Emirates was a multi-day process and involved numerous agencies and multiple visits. Homebuyers were subjected to approximately 5 in-person visits and up to 6 mandatory documents, often spanning up to several weeks.

During this time, the direct debit on the loan remained active, and the land registry lien couldn’t be lifted until the finalization of the entire paperwork. This inconvenient procedure was not only troublesome but also hindered the pace of real estate transactions and market liquidity.

What is the One Day Mortgage in the UAE?

1. An All-Digital Experience

The one-day mortgage release UAE is an integrated digital system, which extends numerous benefits after clearing the final mortgage installment, including:

• Automated cancellation of debit through Emirates Development Bank.
• Local land registries and MoEI will receive real-time updates.
• Confirmation of mortgage release will be issued within the same day, without any government visits or paperwork.

2. Key Players in 1-Day Mortgage Release Plan

This tech-driven, seamless model is introduced through national coordination between local and federal players:

• Ministry of Energy & Infrastructure (MoEI)
• Emirates Development Bank
• Participating land registries

3. Preliminary Release in Ajman

Ajman has been selected for the inaugural deployment of the 1-Day mortgage release UAE initiative. In a meeting held on 5th July, 2025, and arranged by the MoEI’s “Customer Council”, local and federal bodies, in addition to a panel of users (for co-creation of the model), gathered to improve the UAE’s service efficiency.

The meeting involved key officials: Mohammed Bin Taliah (Chief of Govt. Services), Sharif Al Olama (MoEI’s Undersecretary), and Omar Bin Omair Al Muhairi (from Ajman Land Registry). Officials discussed and articulated shared visions on how one-day mortgage release can become a foundational pillar for the UAE’s smart government agenda and zero bureaucracy.

How the One Day Mortgage Release Operates

Below is the streamlined breakdown of the 1-day mortgage process, facilitating an in-depth understanding:

• Depositing Last Installment: The system will automatically identify the loan as paid once the final mortgage payment is clear.
• Automatic Cancellation: Emirates Development Bank cancels the direct debit mandate, eliminating the need for borrowers’ physical visits to relevant authorities.
• Real-Time Data: Linked platforms will instantly notify MoEI and the land registry about mortgage clearance.
• Official Mortgage Release: The Mortgage claim will be officially removed, the digital title deed will be updated and ready within 24 hours.

Benefits of 1-Day Mortgage Release UAE

1. Streamline Transactions

Property transactions will be freed from pending mortgage claims, which means quick deal closures and a reduction of costs linked to delays.

2. Strengthened Market Liquidity

Faster release process accelerates transactions, uplifting deals’ volume and boosting market liquidity.

3. Faster Equity

Mortgage clearance in just one day will allow homeowners to access equity, refinance, and instant property sales, diminishing the need to wait for weeks.

4. Investor Confidence

Reliability is typically a key driver among institutional and international investors, which is promised through the newly launched transparent and tech-driven strategy.

5. Reduced Management Tasks

This revolutionary strategy enables banks and relevant agencies to simplify compliance, reduce manual paperwork, and reallocate resources feasibly.

Challenges & Adjustments: A Revolutionary Shift for Buyers & Investors

The simplified one-day mortgage release UAE is complemented by Central Bank regulations effective February 2025. Through the “much innovative system”, buyers can no longer finance their broker’s commission, DLD fee, title deed-related costs, and registration charges through mortgage

Implications:

• Higher Upfront Costs: Despite the usual down payment, buyers now need 6% to 7% of the property value as upfront cash.
• Shift Toward Off-Plans: Developers are expected to counter this issue by offering more staged payment structures and fee waivers, which ultimately shift the voluminous buyer group to the off-plan segment.

Getting a Mortgage for Property Purchase in Dubai

If you are considering a mortgage for property purchase in Dubai, here are the key steps to navigate the process easily:

• Acquisition of AIP: The chosen bank or lender requires numerous financial documents, including bank statements, salary certificates, and a passport copy, to inquire about the applicant’s financial status. After review, an AIP is issued, indicating the amount that can be lent to borrowers.
• Prepare a Strong Down Payment: Properties purchased through mortgages typically require 25% down payment (for expatriates).
• Secure Mortgage Pre-Approval: Signals to sellers and developers for your swift real estate purchase process.
• Finalize Deal & Bank Loan: After signing the MoU and completing mortgage paperwork, the specified loan will be issued.
• Registration & Ownership Transfer: The Title deed is issued at the registration.
• 1-Day Release: After payment clearance, buyers can discharge from the mortgage line in one day.

For an in-depth understanding, check our comprehensive guide on how to get a mortgage while buying property in Dubai .

Future Prospects: What’s Coming in the UAE Real Estate Innovation?

The one-day mortgage release process UAE is a turning point for property services’ efficiency nationwide; however, it is a part of a broader digital infrastructure in the real estate landscape.

Anticipated actions include:

• Nationwide Launch: After pilot success in Ajman, this strategy will extend across the country, including Sharjah, Dubai, Abu Dhabi, among others.
• Digitalized Title Deed: Title deed registry and release are now digitalized for a hassle-free experience.
• Utilization of Digital Ledgers: Blockchain and smart contracts are developed for enhanced traceability and transparency.
• AI-Backed Tools: Automatic property valuation for mortgage precision.

These cutting-edge strategies, combined with the Dubai 2040 Urban Vision and Dubai Economic Agenda D33, facilitate the UAE real estate ecosystem in the longer-term.

Practical Tips

• For Sellers: Confirming the integration of Emirates into the system allows efficient closure of deals and mortgage claim release in 24 hours post-payment.
• For Banks & Lenders: Upgrade back-office operations and invest in cutting-edge platforms to reflect the digital promise.
• For Buyers: Make adjustments for upfront costs that will now include down payment and a 6-7% additional cost before applying for a mortgage.
• For Investors: Fix accelerated equity release into your investment planning and cash flow strategy.
• For Agents & Realtors: Underscore transparency and speed for faster deal closures and higher customer satisfaction.

Closing In!

The one-day mortgage release in the UAE is a milestone in the consistent evolution of its property ecosystem. The initiative sets a new benchmark for transparency, speed, and customer client experience by eliminating paperwork, integrating local and federal systems, and shrinking mortgage release times to 24 hours.

Though challenges like upfront cost separation require diligent addressing, the benefits extend to boosting investor confidence, enhancing market liquidity, and stimulating global competitiveness. With Ajman set as the pilot launch, the ground-breaking strategy will reach every city of the UAE upon its successful feedback, making the future of property transfers efficient and stress-free.