The Letter of Mortgage is a crucial document in UAE property financing transactions, used to formally establish and record a mortgage over real property. This document is required whenever a property owner seeks to secure financing using their property as collateral, whether for personal or commercial purposes. The Letter of Mortgage must comply with UAE Federal Law No. 14 of 2008 and relevant emirate-specific regulations, particularly in Dubai and Abu Dhabi. It includes essential details such as property specifications, mortgage amount, payment terms, and parties' obligations. The document serves as the primary evidence of the mortgage arrangement and must be registered with the relevant Land Department. For Islamic finance transactions, the Letter of Mortgage may need to be structured to ensure Sharia compliance. The document's format and content are heavily regulated to ensure consistency and legal enforceability within the UAE legal framework.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Your data doesn't train Genie's AI
You keep IP ownership聽of your docs
1. Date and Reference Number: Clear identification of the document date and unique reference number
2. Parties' Details: Full legal names and addresses of both mortgagor and mortgagee
3. Property Description: Detailed identification of the mortgaged property including title deed number and location
4. Mortgage Amount: Statement of the principal amount being secured by the mortgage
5. Term of Mortgage: Duration of the mortgage and key dates
6. Payment Terms: Details of repayment schedule and installment amounts
7. Interest Rate: Applicable interest rate or profit rate for Islamic mortgages
8. Security Confirmation: Clear statement creating the mortgage charge over the property
9. Registration Declaration: Confirmation that the mortgage will be registered with relevant authorities
10. Governing Law Statement: Confirmation that UAE law governs the mortgage
11. Signature Block: Space for parties' signatures and witness attestation
1. Islamic Finance Compliance: Required when the mortgage is Sharia-compliant, including relevant Islamic finance terms and structure
2. Additional Security: Include when there are additional assets or guarantees securing the mortgage
3. Insurance Requirements: Detailed when specific insurance coverage is required for the mortgaged property
4. Power of Attorney: When mortgagee requires power of attorney for property-related matters
5. Co-mortgagor Details: When there are multiple mortgagors involved in the transaction
6. Foreign Ownership Declaration: Required when the mortgagor is a foreign national, confirming compliance with UAE foreign ownership laws
1. Property Schedule: Detailed legal description of the mortgaged property, including boundaries, size, and title details
2. Payment Schedule: Detailed breakdown of payment installments, dates, and amounts
3. Property Documents: Copies of title deed, layout plans, and other relevant property documentation
4. Facility Terms: Details of the underlying loan or facility being secured by the mortgage
5. Insurance Schedule: Details of required insurance coverage and policies
6. Registration Documents: Forms and documents required for mortgage registration with relevant authorities
Find the exact document you need
Deposit Gift Letter
A UAE legal document formalizing the gifting of money via bank deposit, ensuring compliance with local laws and regulations.
Download
Change Of Circumstance Form Mortgage
UAE-compliant form for notifying mortgage providers of significant changes in borrower circumstances that may affect existing mortgage arrangements.
Download
Letter Of Explanation For Cash Deposit
A formal document required in the UAE explaining the source and purpose of substantial cash deposits, complying with local anti-money laundering regulations.
Download
Employer Letter For Home Loan
An employer-issued confirmation letter in the UAE verifying employment status and salary details for home loan application purposes.
Download
Payment Letter Mortgage
A UAE-compliant formal document that establishes mortgage payment terms and conditions, detailing payment schedules and obligations under UAE Federal and emirate-specific laws.
Download
Mortgage Request Letter To Bank For Release Of Property Document
A formal request letter used in the UAE banking system to obtain property documents from a lending institution, governed by UAE federal banking and property laws.
Download
Letter Of Mortgage
A UAE-compliant document establishing a legal mortgage over real property, detailing the security arrangement between a property owner and financial institution under UAE federal and emirate laws.
Download
Letter For Mortgage Loan
A UAE-compliant formal letter from a financial institution confirming mortgage loan approval and outlining key terms and conditions under UAE banking and property laws.
Download
Demand Letter Mortgage
A UAE-compliant formal demand document for outstanding mortgage payments, referencing property security and serving as a prerequisite for enforcement actions under UAE law.
Download
Certificate Of Mortgage
A UAE legal document registering and evidencing a mortgage interest over real property, compliant with UAE Federal Laws and emirate-specific regulations.
Download
Bank Gift Letter
A UAE-compliant formal document that legally validates and records the transfer of monetary gifts between parties through banking channels.
Download
Verified Approval Letter
A formal document used in the UAE that provides verified authorization or confirmation for specific business activities, complying with UAE federal laws and authentication requirements.
Download
Mortgage Letter
A formal UAE banking document confirming mortgage terms and conditions, issued under UAE federal and emirate property laws.
Download
Mortgage Deed
A UAE Mortgage Deed creates a security interest over real property in the UAE, securing a lender's interests while complying with local laws and registration requirements.
Download
Down Payment Gift Letter
A UAE-compliant legal document that formally records a monetary gift intended for use as a property down payment, meeting local banking and regulatory requirements.
Download
Mortgage Letter From Bank
A UAE bank-issued formal letter confirming mortgage loan approval and terms, compliant with UAE Federal and banking laws.
Download
Letter For Down Payment
A UAE-compliant formal letter acknowledging and documenting the terms and receipt of a down payment in a business transaction.
Download
Home Loan Sanction Letter
A UAE-compliant formal document issued by banks confirming approval of a home loan and specifying key terms and conditions under UAE banking and property laws.
Download
Deposit Gift Letter
UAE-compliant letter template for documenting monetary gifts via bank deposit, incorporating local legal requirements and Islamic principles.
Download
Release Of Liability Mortgage
A UAE-governed legal document that releases a property owner from mortgage obligations and discharges the lender's security interest following loan repayment.
Download
Property Mortgage Agreement
A UAE law-governed agreement creating a security interest over real property in favor of a lender, detailing mortgage terms and enforcement rights.
Download
Mortgage Receipt
A UAE-compliant document acknowledging mortgage payments, including property and payment details, governed by UAE Federal Laws and banking regulations.
Download
Mortgage Loan Application Form
UAE-compliant mortgage loan application form for property financing, structured according to UAE Central Bank requirements and local property laws.
Download
Mortgage Confirmation Letter
A formal letter issued by UAE financial institutions confirming mortgage details and terms, compliant with UAE Federal and emirate-specific property laws.
Download
Mortgage Confirmation Form
A UAE-compliant document confirming mortgage arrangements between property owners and financial institutions, requiring registration with the relevant Land Department.
Download
Mortgage Completion Letter
A UAE-compliant formal letter confirming mortgage repayment completion and property release from the lender's claim, essential for mortgage deregistration with local authorities.
Download
Mortgage Amendment Form
A UAE-compliant legal document used to modify existing mortgage terms between property owners and financial institutions, subject to federal and emirate-specific regulations.
Download
Letter To Lender
A formal communication document addressed to banking/financial institutions in the UAE, governed by UAE federal banking laws and regulations.
Download
Lender Approval Letter
A UAE-compliant formal document issued by a financial institution confirming loan approval and outlining key terms and conditions of the credit facility.
Download
Home Loan Agreement
UAE-governed agreement setting out terms and conditions for property financing between a bank and borrower, compliant with UAE banking and property laws.
Download
Home Financing Documents Release Form
A UAE-compliant formal document confirming the release of property financing documents and security interests following full settlement of a home financing facility.
Download
Request Letter To Bank For Release Mortgage Property
A formal request letter to UAE banks for releasing a property mortgage following loan settlement, complying with UAE Federal Laws and banking regulations.
Download
Occupancy Letter For Mortgage
A UAE-compliant formal letter from a mortgage provider confirming the terms and conditions under which a mortgaged property may be occupied.
Download
Employment Gap Letter For Mortgage
A UAE-compliant formal letter explaining employment gaps for mortgage lending purposes, issued by employers to support mortgage applications under UAE banking regulations.
Download
Reinstatement Letter Mortgage
A UAE-governed formal document that reinstates a defaulted mortgage agreement, specifying cure amounts and reinstatement terms in compliance with federal and emirate-level regulations.
Download
Discharge Of Mortgage Form
A UAE-compliant legal document that releases a property from mortgage obligations and authorizes the removal of mortgage registration from property records.
Download
Hardship Mortgage Letter
A formal request letter for mortgage payment relief under UAE banking regulations, detailing financial hardship circumstances and proposed solutions.
Download
Mortgage Loan Denial Letter
A UAE-compliant formal letter from a financial institution to an applicant explaining the denial of their mortgage loan application and related rights under UAE law.
Download
Derogatory Credit Explanation Letter
A UAE-compliant formal letter explaining negative credit report entries to financial institutions and credit bureaus, following local banking and credit reporting regulations.
Download
Paid In Full Letter From Lender
A UAE-compliant formal confirmation letter from a financial institution declaring full settlement of a loan and release of associated obligations.
Download
骋别苍颈别鈥檚 Security Promise
Genie is the safest place to draft. Here鈥檚 how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; 骋别苍颈别鈥檚 AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it
.png)