Dubai Property Buying Guide

The buyer’s guide to Dubai real estate

Foreign nationals can buy freehold property in designated areas of Dubai. Here is how the process usually works.

1. Set your budget and finance

Decide whether you will buy in cash or with a mortgage. If you need finance, get a mortgage pre-approval first. Remember to budget for purchase costs on top of the price.

2. Understand the costs

• Dubai Land Department transfer fee, typically 4% of the purchase price, plus administration fees
• Trustee office fee for the transfer
• Agency commission, commonly 2% of the price plus VAT
• Mortgage registration fee and bank fees if you use finance
• Developer NOC fee, usually paid by the seller

3. Choose a community and property

Shortlist communities that suit your lifestyle or investment goals. Our area guides are a good place to start.

4. Make an offer and sign the MOU

Once a price is agreed, buyer and seller sign the memorandum of understanding (Form F), and the buyer usually pays a security deposit, commonly 10% of the price, held until transfer.

5. NOC and transfer

The seller obtains a No Objection Certificate from the developer. Buyer, seller and their representatives then complete the transfer at a Dubai Land Department trustee office, and the new title deed is issued.

Residency

Property investment can support UAE residency visas, including the 10-year Golden Visa for qualifying investments. Eligibility rules change, so check the current requirements before you buy.

This guide is general information, not legal or financial advice. Fees and regulations change, so please confirm current requirements with our team or the Dubai Land Department before you commit.