Dubai has become a popular place for foreign investors and expats. In recent years’ changes to the law have opened the
Dubai property market to foreigners.

This guide is intended to help prospective buyers, landlords and tenants navigate the process smoothly, to understand the local laws and regulations.


  1. Determine what type of property you are interested in:
    apartments, townhouses, or villas, facilities such as tennis courts, swimming pools and gyms.
  2. Contact LUXIERO Real Estate
    if you want help with your search, and to talk to someone with specialist knowledge about the property market in Dubai.
  3. Attend property fairs.
    The property market in Dubai is still relatively young, although growing fast.
    You can buy a new property from the developer (You should always check that the developer you are considering is registered and licensed with the RERA) or a second market property.


  1. Have the required documents
    you need a valid passport. You are not required to hold any type of residency in UAE.
    • The UAE government has a six-month visa for property buyers, called the “Property Holders Visa.”
    • This allows foreign investors to stay in Dubai for six months while they investigate investments.
    • To qualify for this, the property you buy must have a value greater than 1 million dirhams, which equates to around $272,000.
    • You must be buying as an individual, not as a company.
  2. Determine the full costs
    you should include the purchase price, the deposit, transfer fees, estate agent fees and the potential for currency exchange rates to fluctuate. A new-build property will likely require a land registration fee of around 2%.
  3. Get a mortgage in Dubai
    Mortgages in Dubai are paid in monthly instalments, the maximum length of a Dubai mortgage plan is 25 years.


  1. Submit a reservation form.
    If you are buying property off-plan, you need to submit a completed reservation form and to submit your copy passport. This form will summarize the basic terms and conditions of the sales agreement, including information on the payment plan, and personal information from all parties.
  2. Pay the reservation deposit.
    Once the reservation document has been agreed you must pay the reservation deposit, between 5% and 15% of the purchase price.
  3. Complete a formal sales and purchase agreement.
  4. Transfer the deeds.
    To complete the purchase, you must transfer the deeds. This is the point at which you will be required to pay 100% of the purchase price.


Make a Memorandum of Understanding. To purchase resale property in Dubai you must agree terms with the seller, and record this in a Memorandum of Understanding (MOU). This is a basic document that outlines the terms and conditions, including the date of the final purchase

  1. Pay the initial deposit.
    Once the MOU is signed, the purchaser must to pay the deposit, typically around 10% of the purchase price. This deposit is normally non-refundable, unless there is a particular reason why the seller is unable to bring the transaction forward. At this point you will also have to pay the real estate commission, normally between 2% and 5%.
  2. Obtain the deeds.
    Once you have an agreement and financing in place, you can move on and complete the purchase. As an expat, you will be required to pay 100% of the purchase price before the deeds are transferred, just as if you were buying an off-plan development. To do this, you may need to attend an appointment at the Land Department and present all the paperwork. The buyer, the real estate agent, and a somebody from the bank that is financing the purchase may all be required to attend the meeting at the Land Department


While we hope that this information is useful, please be aware that it is not intended to be the only guidance for prospective buyers to follow when considering making a purchase. In addition, we make no representation as to the quality or accuracy of the information which is available at the web addresses listed in this guide, nor can we accept any responsibility for the content that is hosted on them. We strongly recommend that prospective buyers of property in the UAE seek independent legal and financial advice at all stages of their purchase.