Buying Property in Dubai

No. Buyers of any nationality can purchase property in Dubai within designated freehold areas, whether buying directly from a developer or on the secondary market. You do not need to be a UAE resident to own property in Dubai.

Freehold ownership gives you ownership of the property and, where applicable, an interest in the land on which it is built. Leasehold ownership gives you the right to occupy and use a property for an agreed term without owning the land itself. Freehold is the most common ownership structure for international buyers in Dubai's designated freehold areas, but your Property Consultant will confirm the title structure of any property you are considering.

Not necessarily. Developer pricing, incentives and payment plans can be attractive, while a property on the secondary market may sometimes offer better value depending on the seller's circumstances and current market conditions. The important comparison is the total cost, payment structure, property specification, location and your objectives - not simply whether the property is bought directly from a developer or from an existing owner.

Mortgage finance is available to eligible UAE residents and non-residents, subject to lender and UAE Central Bank criteria. For non-UAE nationals purchasing a property for AED 5 million or less, the maximum loan-to-value is generally 80% for a first home, meaning a minimum 20% down payment is required. Higher deposits may apply depending on the property value, whether it is an additional property, the Buyer's residency status and individual lender criteria. 100% mortgages are therefore not generally available for property purchases in Dubai. Exclusive Links works with established mortgage partners who can assess your circumstances, explain available products and help arrange pre-approval. If you intend to finance your purchase, it is advisable to understand your borrowing position before committing to a property.