Mortgage-to-Mortgage Property Transfer (Dubai)
A Finance Buyer to Finance Seller transaction—commonly referred to as a mortgage-to-mortgage transfer—is one of the most complex property transfer structures in Dubai.
Both parties are financed by banks, which means two mortgages, strict sequencing, and trustee-controlled fund releases must be managed precisely to ensure a successful transfer.
This type of transaction requires experienced conveyancing oversight to avoid delays, document expiry, or financial risk.
Cash Buyer to Cash Seller
How a Finance-to-Finance Transfer Works
In this transaction structure:
This process ensures protection for both Buyer and Seller and full compliance with Dubai Land Department (DLD) regulations.
⏳ Indicative Timelines
Stage | Estimated Time |
|---|---|
OLL & FOL issuance | 1–3 weeks |
Developer NOC | 3–10 working days |
Blocking to Final Transfer | 5–10 working days |
⏰ Timelines may vary depending on bank processing times, developer response, public holidays, and trustee availability
Without professional coordination, these issues can lead to delays, re-issuance of documents, and additional bank charges.
✔ Coordination with both Buyer’s and Seller’s banks
✔ Review and validation of OLL, FOL, and Manager’s Cheques
✔ Developer NOC management
✔ Trustee appointment scheduling
✔ Secure blocking and mortgage settlement oversight
✔ Timeline and expiry-risk management
🛡️ Every step is handled with precision, compliance, and transparency.
Finance-to-Finance transfers involve high financial exposure and strict regulatory sequencing.
With LLM-backed conveyancing expertise, we ensure your transaction is:
📞 Planning a Finance Buyer → Finance Seller transfer?
Let us manage the banks, developer, and trustee — so your transfer completes without delay.
Typical resale timeline: 2–6 weeks
This depends on:
👉 Cash deals are usually faster (2–3 weeks).
👉 Mortgage deals take longer (4–6+ weeks).
Bank delays are common and usually relate to:
Impact:
⚠️ Conveyancers and agents are not liable for bank delays, as banks are independent third parties.
If the buyer fails to proceed without valid legal reason:
If the delay is due to:
NOC (No Objection Certificate) is required:
📌 Without a valid NOC, DLD will not process the transfer.
Validity is usually 30 days (varies by developer).
