Buying property in Dubai as an expat
Freehold areas, fees, mortgages and the transfer process.
In short
Expats can buy freehold property in designated areas. Budget about 7–8% extra for fees: 4% DLD transfer fee, agent 2%, mortgage and trustee costs. Non-residents usually need a 40–50% deposit for a mortgage.
- DLD fee
- 4%
- Resident LTV
- Up to 80% (first home under AED 5M)
- Agent
- 2% + VAT
- Golden visa
- AED 2M+
Step by step
Tick each step as you finish it. Open a step to see what to do.
Valid about 60 days.
1 week
Documents checklist
Do’s and don’ts
Do
- Check service charges per sq ft
Don’t
- Don’t pay off-plan deposits outside escrow
Cost estimator
Untick what doesn't apply to you. These are rough figures and fees change often, so check with the authority.
Watch out
- Off-plan payments must go to an RERA escrow account.
Common questions
Can I rent it out short-term?
Yes with a DTCM holiday home permit.
Official links
Background and more detail
Expats can buy freehold property in designated areas. Budget about 7–8% extra for fees: 4% DLD transfer fee, agent 2%, mortgage and trustee costs. Non-residents usually need a 40–50% deposit for a mortgage.
Key facts
- DLD fee: 4%
- Resident LTV: Up to 80% (first home under AED 5M)
- Agent: 2% + VAT
- Golden visa: AED 2M+
Steps
- Mortgage pre-approval – Valid about 60 days.
- MOU (Form F) – Signed with 10% deposit cheque.
- NOC from developer – Confirms no unpaid service charges.
- Transfer at trustee office – Title deed issued same day.
Watch out
- Off-plan payments must go to an RERA escrow account.
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