How do I sell my property if it still has a mortgage on it?

Request a liability letter from your bank showing the outstanding balance (5-7 working days). The buyer settles your mortgage, the property is 'blocked' at a DLD trustee office in the buyer's favour, the bank releases its charge, then title transfers. Any early-settlement fee is capped at 1% of the balance or AED 10,000, whichever is lower. Expect roughly 3-6 weeks overall.