01
Shape the brief
Define whether the property is for living, investment or a future move, then set your comfortable range.
Buyer's guide
A calmer way to buy in Dubai
A simple overview of the journey. Your advisor can explain the details that apply to your chosen property.
02
Compare places
Look beyond the view: compare daily life, connectivity, property type and long-term plans.
03
Review the details
Understand the project, payment schedule, expected handover and documents before reserving.
04
Complete with confidence
Follow the agreed steps through contracts, payments and handover with clear communication.
Down payments, fees & mortgage rates
Indicative figures for 2026. Always confirm with your bank, the Dubai Land Department and your agreement before paying.
Minimum down payment
- Resident expat — first home under AED 5M20%
- Resident expat — first home over AED 5M35%
- UAE national — first home under AED 5M15%
- Second home or investment (expat)40%
- Off-plan with a mortgage50%
- Non-resident buyer (bank-set)≈ 35–50%
Purchase fees
- Dubai Land Department transfer fee4% of price
- Real estate agent commission2% + VAT
- Trustee office fee≈ AED 4,200
- Title deed feeAED 500
- Mortgage registration0.25% of loan
- Bank valuationAED 3,000–6,000
- Bank arrangement feeup to 1% of loan
Mortgage rates & limits
- Fixed rate (1–5 years)≈ 4.5–6.5%
- Variable (EIBOR + margin)≈ 5.5–7%
- Maximum loan term25 years
- Monthly repayments cap50% of income
Example: AED 2M apartment, expat, first home
Down payment AED 400,000 + about AED 130,000–160,000 in fees ≈ AED 530,000–560,000 cash needed. Fees cannot be added to the loan.
Guidance only — not financial or legal advice. Sources: Central Bank of the UAE mortgage regulations, Dubai Land Department fee schedule and published 2026 market rates.