How do I check a Dubai property for an existing mortgage or lien before buying?

To check whether a Dubai property carries an existing mortgage or lien, rely on the Dubai Land Department (DLD) record, because mortgages and certain restrictions are registered against the title in DLD's system. Using DLD verification services — including the Dubai REST app — or by requesting an official check, you can see whether a mortgage, attachment, or other encumbrance is recorded on the property. This matters because a registered mortgage must usually be settled and discharged before, or simultaneously with, the transfer to you, and the developer NOC process also surfaces outstanding obligations. Never rely solely on the seller's word that the property is debt-free — confirm it against the live DLD registry. Because the discharge process and any associated steps are managed through DLD and the relevant bank, verify the current status before paying a deposit. As a next step, run the encumbrance check yourself or via a conveyancer, and require any mortgage to be cleared at transfer. You can also compare verified UAE real-estate lawyers on LEXAI to perform due-diligence checks on a property.