Ledgard for Institutions | Property Data for Lenders, Brokers and Platforms

Ledgard checks each property you hold against registered sales in the same building and the same area, then shows which properties have changed in value and which to review first.

Three services, one value engine

For banks and mortgage lenders

Collateral value monitoring

A monthly check of every property in your loan book, so a falling value shows up before it becomes a problem.

A value range for each property from registered sales in its building and area
The loan-to-value recalculated on that range
Flags where the loan-to-value has crossed your limit or the area price has fallen
Price checks for money-laundering screening: sales registered far above or below the building's typical price
Developer and project status for loans on off-plan property

Property: Business Bay 1 bed
Value range: AED 1,520,000 to 1,640,000
LTV: 71%
Status: No change

Property: Dubai Marina 2 bed
Value range: AED 2,310,000 to 2,480,000
LTV: 83%
Status: Above limit

Property: JVC studio
Value range: AED 610,000 to 668,000
LTV: 64%
Status: Area down 6%

Example rows for illustration, not real loans.

Property	Valuerange	LTV	Status
Business Bay1 bed	AED 1,520,000 to1,640,000	71%	No change
Dubai Marina2 bed	AED 2,310,000 to2,480,000	83%	Above limit
JVCstudio	AED 610,000 to668,000	64%	Area down 6%

Example rows for illustration, not real loans.

Monthly file or API · priced per property

For tokenised property platforms

Independent price checks

Once tokens trade, investors need to know whether a token price is fair against the real market.

A monthly fair value range for each listed property
The token price compared with that range, shown as a premium or discount
Registered sales from the same building as evidence
Rental yield from Ejari contracts and service charges from Mollak
A building price index your investors can follow over time

Listed property: Business Bay 2 bed
Fair value per sq ft: AED 2,050 to 2,210
Token price: AED 2,340
Gap: +6% above

Listed property: Downtown 1 bed
Fair value per sq ft: AED 2,880 to 3,060
Token price: AED 2,960
Gap: Within range

Example rows for illustration, not real listings.

Listedproperty	Fair valueper sq ft	Tokenprice	Gap
Business Bay2 bed	AED 2,050 to2,210	AED 2,340	+6% above
Downtown1 bed	AED 2,880 to3,060	AED 2,960	Within range

Example rows for illustration, not real listings.

Monthly report or API · priced per listed property

For brokers, developers and compliance teams

Transaction price screening

Check a deal price against the registered market before signing, and keep the result on file for your compliance team.

Enter the building, unit size and agreed price
See whether the price sits inside, above or far outside the building's typical range
Registered sales in the same building shown as evidence
A dated PDF record for your screening file
Supports your own anti-money-laundering checks; it does not replace them

Deal: Business Bay 1 bed
Agreed price: AED 1,580,000
Typical range: AED 1,500,000 to 1,700,000
Result: Within range

Deal: Dubai Marina 2 bed
Agreed price: AED 3,900,000
Typical range: AED 2,300,000 to 2,500,000
Result: Far above

Example rows for illustration, not real deals.

Deal	Agreedprice	Typicalrange	Result
Business Bay1 bed	AED 1,580,000	AED 1,500,000 to1,700,000	Within range
Dubai Marina2 bed	AED 3,900,000	AED 2,300,000 to2,500,000	Far above

Example rows for illustration, not real deals.

Per check or monthly bundle · PDF record

What a typical range looks like

Every registered sale of a ready one-bedroom apartment in one Business Bay tower over the past twelve months. The band is the middle half of those sales: the typical range that all three services check against. A value, a token price or a deal price far outside it is what we flag.

Typical range, AED 2,450 to 2,790Median, AED 2,580One registered sale

AED per sq ft

1,800

2,000

2,200

2,400

2,600

2,800

3,000

3,200

3,400

JanFebMarAprMayJunJulAugSepOct

Source: Dubai Land Department, 82 registered sales of ready one-bedroom apartments in Peninsula Three, Business Bay, 12 January 2026 to 22 October 2026. Price per square foot on the registered area. Typical range AED 2,450 to 2,790, median AED 2,580.

How it works

1Send your listBuilding, unit and size for each property. No borrower or investor names are needed.
2We match the registersEach property is matched to its registered building, sales, rents and service charges.
3You receive values and flagsEvery month, as a file, a PDF or through an API, with the evidence behind each figure.

Built from Dubai government records

Registered salessince 2000
Valuationssince 2000
Ejari rental contractsevery registered contract
Mollak service chargesevery building
Projectsevery registered project
Developersevery registered developer
Unitsevery registered unit
Buildingsevery registered building
Landevery registered plot
Brokersbroker register, as published

Questions

Is this a formal valuation?

No. It is an independent monthly value range built from registered sales. It shows where a formal valuation is needed; it does not replace one.

Where does the data come from?

Ten official Dubai registers, including registered sales since 2000, valuations, Ejari rental contracts, Mollak service charges and the project register.

Which areas are covered?

Every property registered with the Dubai Land Department. DIFC, Abu Dhabi and Ras Al Khaimah are not covered.

Do you need our customers' personal data?

No. Building, unit number and size are enough to match each property.

How do we start?

Write to us. We prepare a free sample on properties you choose so you can judge the results before any agreement.

Ask for a free sample

Send us up to ten properties. We return their values, flags and evidence so you can test the results against your own figures.

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Independent property intelligence for Dubai.