--- title: Understanding Dubai's Recent Property Mortgage Updates description: New mortgage rules exclude DLD & agency fees from loans, introduce registration fees, and offer refinancing opportunities. image: https://edwardsandtowers-9164734.hs-sites.com/hubfs/Mortgage-2.png --- ###### 2 min read # Understanding Dubai's Recent Property Mortgage Updates By: [ Molly Johannsen ](https://edwardsandtowers-9164734.hs-sites.com/author/molly-johannsen) on Mar 4, 2025 12:15:44 PM [DubaiRealEstate](https://edwardsandtowers-9164734.hs-sites.com/tag/dubairealestate) [Dubai](https://edwardsandtowers-9164734.hs-sites.com/tag/dubai) [Dubai News](https://edwardsandtowers-9164734.hs-sites.com/tag/dubai-news) [UAE](https://edwardsandtowers-9164734.hs-sites.com/tag/uae) [Edwards & Towers](https://edwardsandtowers-9164734.hs-sites.com/tag/edwards-towers) [Dubai Real Estate](https://edwardsandtowers-9164734.hs-sites.com/tag/dubai-real-estate) [Dubai Off Plan](https://edwardsandtowers-9164734.hs-sites.com/tag/dubai-off-plan) [Off Plan properties Dubai](https://edwardsandtowers-9164734.hs-sites.com/tag/off-plan-properties-dubai) [Weekly news](https://edwardsandtowers-9164734.hs-sites.com/tag/weekly-news) [Mortgage](https://edwardsandtowers-9164734.hs-sites.com/tag/mortgage) [2025](https://edwardsandtowers-9164734.hs-sites.com/tag/2025) [Dubai 2025](https://edwardsandtowers-9164734.hs-sites.com/tag/dubai-2025) ![Featured Image](https://edwardsandtowers-9164734.hs-sites.com/hubfs/Mortgage-2.png) Navigating Dubai's dynamic real estate market requires staying informed about the latest mortgage regulations and trends. Recent changes have significant implications for both prospective buyers and current property owners. Here's what you need to know: **Exclusion of DLD and Agency Fees from Mortgage Loans **Effective February 1, 2025, the Central Bank of the UAE has mandated that the combined 6% fees—comprising the 4% Dubai Land Department (DLD) fee and the 2% agency fee—can no longer be included in mortgage loans. This means buyers must now pay these fees upfront, separate from their mortgage financing. Previously, some buyers could incorporate these costs into their mortgages, reducing the immediate financial burden. With this change, it's essential for buyers to budget accordingly to cover these additional upfront expenses. **Introduction of Mortgage Registration Fee and Extended Off-Plan Registration Period **In November 2024, the Dubai International Financial Centre (DIFC) implemented a new mortgage registration fee set at 0.25% of the mortgage's value. This fee aligns with onshore market practices and covers administrative processes related to mortgage documentation and registration. Additionally, the DIFC extended the registration period for off-plan property sales from 30 to 60 days, providing buyers with more time to finalize their transactions and pay the Freehold Transfer Fee. **Trends in Mortgage Rates and Refinancing Opportunities **After a period of rising interest rates aimed at controlling inflation, mortgage rates in Dubai are gradually decreasing. As of late 2024, rates range between 2% and 6%, depending on the lender and loan terms. This decline presents an opportunity for property owners with existing mortgages to consider refinancing options to secure lower rates and reduce monthly payments. However, it's crucial to assess the costs associated with refinancing to ensure that the potential savings outweigh the expenses involved. **Implications for Buyers and Property Owners **These updates underscore the importance of thorough financial planning for both new buyers and current property owners: - For Buyers: Anticipate higher initial costs due to the requirement to pay DLD and agency fees upfront. Ensure that your budget accounts for these expenses in addition to the down payment and other related costs. - For Property Owners: Stay informed about current mortgage rates and evaluate whether refinancing could be beneficial. Consult with financial advisors to make informed decisions that align with your long-term investment goals. With these new changes, you may need to rethink your property journey. Whether you’re purchasing your first home, expanding your investment portfolio, or considering refinancing, Edwards & Towers is here to guide you every step of the way. Reach out to us today, and let’s navigate the Dubai property market together. - [Tweet](https://twitter.com/share) #### Related Posts ### [Understanding Maintenance Fees for Rental Properties in Dubai Dubai's dynamic real estate landscape offers a plethora of rental opportunities, attracting tenants...](https://edwardsandtowers-9164734.hs-sites.com/understanding-maintenance-fees-for-rental-properties-in-dubai) ### [The Hidden Costs of Renting a Property in Dubai Renting a home in Dubai often seems pretty straightforward at first glance—find a property, agree...](https://edwardsandtowers-9164734.hs-sites.com/the-hidden-costs-of-renting-a-property-in-dubai) ### [The Hidden Fees You Should Know About When Buying a Property in Dubai Buying a property in Dubai is an exciting investment, but beyond the listing price, there are...](https://edwardsandtowers-9164734.hs-sites.com/the-hidden-fees-you-should-know-about-when-buying-a-property-in-dubai)