A financed purchase also needs the bank’s property valuation (AED 2,500 to 3,500) and, on resales where the seller has a mortgage, a liability letter and blocking process that adds a week or two to the timeline. The mortgage calculator on this site itemises the full financed-purchase stack.
This explains the general case. If Mortgage registration fee has come up in a live deal of yours, talk to the team: specific answers, registered numbers, no obligation.