Buyer's Guide · Published 9 November 2026 · 4 min read
By the House Of Trust Real Estate advisory team
In this article
Dubai makes it straightforward for foreign nationals to own property, but the process has its own steps, fees and paperwork. Knowing them in advance saves money and avoids delays.
Who can buy
Foreign nationals can buy freehold property in designated areas of Dubai, whether or not they live in the UAE. Residents and non-residents can both buy, although mortgage terms differ between the two.
The process, step by step
- Set your budget and goal. Decide whether you are buying to live in the home or to rent it out, and include fees and running costs.
- Arrange finance, if you need it. Ask a bank for a mortgage pre-approval so you know what you can borrow.
- Shortlist and view homes with a licensed, RERA-registered agent.
- Make an offer and sign the sale agreement (the Memorandum of Understanding, commonly called Form F). A deposit of around 10% is typical.
- Get the developer's NOC. The seller applies for a No Objection Certificate, which confirms there are no outstanding service charges and that the sale can proceed.
- Finalise the mortgage, if you have one, including the bank's valuation.
- Transfer ownership at a Dubai Land Department-approved registration trustee office. You pay the balance and the fees, and the title deed is issued in your name.
- Connect utilities and move in or find a tenant.
What it really costs
| Cost | What to expect |
|---|---|
| Dubai Land Department transfer fee | 4% of the price. Officially split between buyer and seller, but buyers usually pay it |
| Agent commission | Typically 2% of the price, plus VAT |
| Registration trustee fees | A few thousand dirhams, plus VAT |
| Mortgage registration (if financed) | 0.25% of the loan plus a small administrative fee |
| Developer NOC fee | Set by the developer, so it varies |
| Bank valuation and arrangement fees | Vary by lender |
As a rough guide, plan for about 6% to 7% on top of the purchase price in fees and charges for a typical purchase. Fee schedules change, so confirm the current figures with the Dubai Land Department and your agent before you commit.
Mortgage basics
The UAE Central Bank sets the maximum loan-to-value for mortgages. For an expatriate buying a first home worth less than AED 5 million, the limit in the Central Bank rulebook is 80% of the value, which means a deposit of at least 20% plus fees. Limits are lower for more expensive homes, second properties and non-residents, so ask your bank for the exact figure that applies to you.
Banks also look at how much of your income already goes on debt repayments. Pre-approval before you start viewing helps you search within a realistic budget.
Mistakes first-time buyers make
- Budgeting for the price only. Fees and charges add up quickly.
- Skipping the NOC and service charge check. Unpaid service charges can delay a transfer.
- Using an unlicensed agent. Check that your agent holds a valid RERA broker card.
- Not comparing recent sale prices, and relying only on the asking price.
- Ignoring running costs. Service charges and maintenance affect your return (see our rental yield guide).
- Rushing. In a market with more supply, you often have time to compare and negotiate (see our 2027 outlook).
How House Of Trust can help
We guide first-time buyers through every step, from mortgage pre-approval to key handover, and explain the costs upfront so there are no surprises. Book a consultation to talk through your plans.
Frequently asked questions
How much deposit do I need to buy property in Dubai?
For an expatriate buying a first home under AED 5 million, the Central Bank limit allows a loan of up to 80%, so the minimum deposit is 20% plus fees. A 10% deposit is also typically paid when you sign the sale agreement. Limits are different for more expensive or additional properties.
Can non-residents buy property in Dubai?
Yes. Foreign nationals can buy freehold property in designated areas, whether or not they are residents.
What is Form F?
Form F is the standard Memorandum of Understanding between buyer and seller in a Dubai resale. It sets out the price, deposit, timeline and conditions of the sale.
What is the Dubai Land Department fee?
The transfer fee is 4% of the property price. It is officially split between buyer and seller, but in practice the buyer usually pays it.
How long does it take to buy a property in Dubai?
A cash purchase can complete within a few weeks of signing. A mortgage purchase usually takes longer, depending on the bank's valuation and approvals.
Sources
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Tell us your goal and budget, and we will give you an honest view of the options, including when waiting is the right call.