Whether it is your first home or your next investment, this guide walks you through every stage of a Dubai purchase, from setting a budget to collecting your title deed.
Dubai has one of the most transparent property markets in the region, with every sale registered through the Dubai Land Department (DLD). Here is how a typical purchase works.
Decide between cash or mortgage and get a mortgage pre-approval early. Remember to add around 6% to 8% of the price for fees and charges.
Shortlist freehold communities that match your lifestyle or rental goals, then view ready homes or off-plan projects with your A1 advisor.
We negotiate price and terms on your behalf. Once agreed, both parties sign the Memorandum of Understanding (Form F) and a 10% security deposit is usually paid.
The seller applies to the developer for a NOC confirming there are no outstanding service charges on the property.
Buyer and seller meet at a Registration Trustee office, payments are exchanged by manager's cheque and ownership is transferred.
The new title deed is issued in your name the same day. We then help with keys, DEWA connection, move-in or leasing out the property.
| Fee | Typical Amount |
|---|---|
| DLD transfer fee | 4% of the price |
| Title deed issuance | AED 580 |
| Registration Trustee fee | AED 2,000 to 4,000 + VAT |
| Agency commission | 2% + VAT |
| Mortgage registration (if financed) | 0.25% of loan + AED 290 |
| Bank valuation & processing (if financed) | Up to 1% of loan + valuation |
Figures are indicative and can change. Your advisor will confirm exact costs for your purchase.
Annual property tax
Capital gains tax
One-time DLD transfer fee
Golden Visa for qualifying investors
Everything you need to know about buying, selling, and investing in Dubai real estate.
Yes. Foreign nationals can buy freehold property in designated areas such as Dubai Marina, Downtown Dubai, Palm Jumeirah, Business Bay, Dubai Hills Estate and many more, with full ownership rights.
Budget roughly 6% to 8% of the price for the 4% DLD transfer fee, trustee and registration fees, agency commission and, if financing, mortgage registration and bank fees.
Property investors can apply for a residence visa when the property meets the value thresholds set by the authorities, including the 10-year Golden Visa for qualifying investments of AED 2 million or more. Our advisors can explain the current criteria.
A cash purchase can complete in around 2 to 4 weeks after the MOU is signed. With a mortgage, allow 4 to 8 weeks for valuation, final approval and the transfer appointment.
Whether you are buying, selling, renting, or investing, our expert advisors are ready to help you find the right opportunity.
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