Establishment of a mortgage, pledge or other security, carried out within 6-moths before the initiation of the bankruptcy proceedings, whenever such a security is established to guarantee a claim, which was not secured by that time;
http://www.novelconsult.net/Novel Consult - Void Transactons...
Any agreement concluded at the time or after the establishment of a mortgage which grants the mortgagor creditor, in case the debtor fails to settle the debt on the maturity date, with the right to acquire or sell the mortgaged article, without observing the provisions and proceedings provided for in Article (172), shall be null and void.
http://www.ddia.ae/English/default.asp?action=article&ID=325
If you borrow so much in order to have a certain amount of money for example decorating and the pieces of furniture, then you could consider to establish your mortgage separately and to then obtain another advance (which can be cheaper than a mortgage of 100%); or indeed going for a product of cash back at the beginning.
http://www.mortgagecomparisononline.co.uk/
An establishment fee is a one-off fee charged by banks at the beginning of the mortgage term to cover their costs in establishing the mortgage.
http://www.emigratenz.org/getting-a-mortgage-in-new-zealand....