UAE Cuts Mortgage Release Time to One Day: A Game-Changer for Real Estate Buyers & Investors
As reported by ArabianBusiness, the UAE has introduced a new digital mortgage release model that significantly reduces the processing time for homeowners and property investors. What used to take days and several in-person visits can now be completed in just one working day—a huge win for the UAE real estate sector and anyone looking to buy or invest in property.
This bold move is part of the UAE’s Smart Government strategy led by the Ministry of Energy and Infrastructure (MoEI). The goal? Make real estate processes simpler, faster, and more transparent by cutting out the red tape and replacing it with smart, integrated digital services.
Key Benefits of the New Mortgage Release System
Here’s why this matters for you as a buyer or investor in the UAE:
Faster Process – Just One Working Day
- Previously: You needed to submit six different documents and make five separate visits to complete the mortgage release after repaying your home loan.
- Now: The process takes just one day with zero paperwork and no office visits in participating emirates like Ajman.
Full Digital Integration
- Once your loan is paid off, the Emirates Development Bank automatically processes the mortgage release.
- You’ll receive real-time updates via a connected digital system between MoEI, the Bank, and the Department of Land and Real Estate Regulation.
Zero Bureaucracy = More Transparency
- This new model removes all the bottlenecks that frustrated buyers in the past.
- Whether you’re an end-user or a long-term investor, you benefit from a 100% reduction in procedural steps.
Why It’s Good to Buy or Invest in UAE Real Estate Right Now
With these new changes, owning a home or investing in property in the UAE just became even more attractive.
More Efficiency Means Less Hassle
You no longer need to worry about endless paperwork or unclear requirements. The simplified process helps both first-time buyers and experienced investors complete their transactions with confidence.
A Future-Ready Real Estate Sector
The UAE is pushing forward with smart government services that make it easier and safer to invest in property. The country’s commitment to digital transformation shows that it’s serious about supporting both local and foreign investors.
Stronger Property Market Confidence
By removing outdated processes, the UAE is building trust with homebuyers. This level of service boosts investor confidence and makes the UAE an even more competitive market globally.
PSI’s Take: What This Means for You
At Property Shop Investment (PSI), we know how important it is for our clients to enjoy a smooth and stress-free buying experience. These updates are a major step forward in achieving that goal.
Whether you’re looking to buy a new home, pay off your mortgage, or invest in off-plan projects, this new mortgage release model means faster transactions, less paperwork, and more peace of mind.
We’re proud to support our clients every step of the way—and with reforms like this, the UAE is proving why it’s one of the best places in the world to invest in real estate.
The UAE’s latest initiative is more than just a technical upgrade—it’s a real change for real people. By eliminating bureaucracy and embracing digital transformation, the UAE is creating a property market that’s modern, accessible, and investor-friendly.
If you’re planning to invest, live, or expand your portfolio in the UAE, now is a great time. And at PSI, we’re here to help you make the most of it.
