Buyers are often quoted a single figure — "around 7% on top" — and left to discover the detail on completion day. The actual cost of a Dubai secondary-market transfer is made of six predictable lines. Here is each one, with the amounts we use in our own estimator.
1. Dubai Land Department transfer fee — 4% + AED 580
The DLD charges 4% of the sale price to register the transfer of title, plus a fixed admin fee of AED 580 for the title deed. By market convention the buyer pays the full 4%, although it is legally shared and can be negotiated in the Agreement of Sale (Form F). On a AED 3,000,000 apartment this is AED 120,580.
2. Trustee office fee — AED 4,200 or AED 2,100
Transfers are executed at a DLD-approved Registration Trustee office, not at the DLD itself. The trustee charges AED 4,000 + VAT (AED 4,200) for properties priced at AED 500,000 and above, and AED 2,000 + VAT (AED 2,100) below that threshold. Off-plan resales registered through the developer attract a fee of AED 5,250.
3. Developer No Objection Certificate
Before any transfer, the developer or master community confirms the seller has no outstanding service charges and issues a No Objection Certificate. NOC fees are set by each developer — typically from AED 500 + VAT, with some developers charging considerably more and off-plan NOCs commonly at AED 5,250. The seller pays, and the NOC is usually valid for a limited period, which is why sequencing matters.
4. Mortgage registration — 0.25% of the loan + AED 290
If the buyer is financing, the bank's mortgage is registered with the DLD at the same appointment as the transfer. The fee is 0.25% of the loan amount plus AED 290. On a 75% loan against AED 3,000,000 that is AED 5,915. Where the seller has a mortgage, their bank must first issue a liability letter and then release clearance documents once the loan is settled — we cover that sequence in a separate guide.
5. Agency commission — 2% + VAT
The standard brokerage commission in Dubai is 2% of the purchase price plus 5% VAT, paid by the buyer. It is agreed in Form B / Form A with the agent and is not a government fee.
6. Conveyancing — fixed AED 2,625 incl. VAT
Our conveyancing fee is a fixed AED 2,500 + VAT (AED 2,625) per property, whether we act for the buyer or the seller, for a cash deal or a double-mortgage transfer. It covers contract review, NOC application, liability letters and bank coordination, trustee office booking and attendance, and progress updates to every party until the title deed is issued.
Gifts between family members
A transfer between first-degree relatives — spouses, parents and children — is treated as a gift (hiba) and attracts a reduced DLD fee of 0.125% of the valued price instead of 4%. A DLD-certified valuation is required. Our fixed fee applies in the same way.
Use the closing-cost estimator on our homepage to run your own numbers, toggle a mortgage or off-plan property, and email yourself the breakdown.
