<p>Article (7) of Law No. 14 of 2008 Concerning Mortgages in the Emirate of Dubai  provides that a mortgage is not valid unless it is registered with the Land  Department and any agreement to the contrary is void. Article (8) of Law No. 14  requires the mortgagor and mortgagee (and the guarantor in rem, if any) to sign  a mortgage application containing the following information:<br /><br />a)&nbsp;All  information related to the property; <br />b)&nbsp;Value of the property; <br />c)&nbsp;Value  of the debt; <br />d)&nbsp;Mortgage term; and <br />e)&nbsp;Personal details of the mortgagor,  mortgagee and guarantor in rem (if any), including domicile and place of  residence.<br /><br />Law No. 14 refers to two documents: the mortgage application  and the Land Department&rsquo;s standard form of Mortgage Contract. In practice, the  parties to the mortgage need to sign only the Land Department&rsquo;s standard form of  Mortgage Contract in order to register the mortgage and there is no separate  application form.<br /><br />The parties can attach their special terms and  conditions to the Land Department&rsquo;s standard Mortgage Contract, which then  become incorporated into the Mortgage Contract.<br /><br />Due to the large number  of mortgage registrations in Dubai, the Dubai Land Department recently decided  to ease the process of registration by allowing the mortgagor to sign the  Mortgage Contract at the premises of the mortgagee (the lending financial  institution) and there is no longer any need for the mortgagor to attend at the  Land Department. The parties are requested to sign three original counterparts  of the Mortgage Contract which are each stamped by the Land  Department.<br /><br />The Land Department has amended its Mortgage Contract to  ensure that all information required by Article (8) of Law No. 14 is captured in  the document.<br /><br />The above changes are a welcome improvement in the process  of mortgage registration at the Dubai Land Department.</p>