Foreign Investors Guide: Legal & Financial Tips for Buying Property in Dubai

Dubai continues to shine on the global stage as a real estate investment hotspot. With high rental yields, capital appreciation, investor-friendly regulations, and a transparent market structure, it’s no surprise that international buyers are flocking to the city. But before you dive into the Dubai property pool, it's vital to understand the legal and financial framework that supports a smooth and secure investment.

Whether you're a first-time investor or looking to expand your international property portfolio, here's what you need to know.

1. Yes, Foreigners Can Buy Property in Dubai

Let’s start with the basics: anyone can buy property in Dubai's freehold areas—regardless of your nationality or residency status. This openness has made Dubai one of the most attractive property markets in the world.
With no restrictions on ownership in designated zones, buying property in Dubai has become a seamless process for both residents and international investors.

2. Choose the Right Project – And the Right Partner

Work only with RERA-approved agencies and developers. Partnering with a company that offers a complete property experience—like Exclusive Links—ensures you’re covered for everything from purchasing, leasing, and managing your property, to handling resale or short-term rental strategies down the line.

3. Understand the Buying Process

When buying directly from a developer (off-plan):

• You'll typically pay 10–20% as a down payment
  
• Sign a Sale and Purchase Agreement (SPA)
  
• Follow a staggered payment plan during construction
  
• Pay the 4% Dubai Land Department (DLD) registration fee, often collected via the developer
  
  

Payments must be made to registered escrow accounts to ensure your funds are protected until project completion.

4. Mortgages Are Available—but with Limits

Foreign investors can secure property finance in Dubai, but there are key limitations to note:

• Loan-to-value is typically capped at 50% for non-residents, though some lenders may offer up to 60% for salaried or self-employed applicants.
  
• A minimum monthly income of AED 25,000 (or equivalent) is generally required.
  
• Mortgage interest rates vary between 4.5%–6.5% depending on the lender and applicant profile.
  
• Off-plan properties are not eligible for non-resident mortgage financing.
  
• Documentation such as proof of income, deposit, and a credit report from your home country is required.
  

Work with your agent or a mortgage consultant early to assess eligibility and options.

5. Get Residency with Your Property Investment

Dubai offers residency visas tied to property ownership:

• 10-year Golden Visa for property investments of AED 2 million and above
  
• 2-year investor visa for purchases from AED 750,000+
  
• Properties can be mortgaged or fully paid
  

This opens doors for long-term financial planning, residency benefits, and even family sponsorship.

6. Know Your Options: Off-Plan vs. Ready Properties

Off-plan properties offer attractive prices, developer warranties, and flexible payment plans. You can also choose the best units early, helping to maximise ROI.

However, it's crucial to research:

• The developer’s track record
  
• Payment terms
  
• Project delivery timelines
  
• Clauses in the SPA that cover delays or defaults
  

Selling off-plan? Typically, you’ll need to pay at least 40% of the purchase price before you can resell, though this varies by developer.

7. Factor in Pre- and Post-Handover Services

At Exclusive Links we offer comprehensive services to help overseas buyers manage their investments: 

• Snagging and inspection reports
  
• Handover assistance
  
• Utility account set-up
  
• Long-term and short-term property management
  
• Resale strategy and execution
  

Exclusive Links can even act as Power of Attorney on your behalf if you’re overseas during handover.

8. Consider Your Exit Strategy

Know what you plan to do with the property:

• Lease it long-term for steady income
  
• List it as a vacation home for higher seasonal returns
  
• Hold for capital appreciation, or plan a future resale
  

Your goals should guide the type of property you buy, where you buy, and your budget.

9. Legal Safety Nets Are in Place

Dubai’s real estate market is now highly regulated. Developers must:

• Own 100% of the project land
  
• Pay a 20% guarantee (via escrow, construction, or bank)
  
• Maintain a performance guarantee
  
• Register the project with the DLD
  

All of these ensure greater investor protection and confidence.

Partner with Experts You Can Trust

Investing in Dubai real estate can be incredibly rewarding—but only when done right. At Exclusive Links, we’ve been guiding investors since 2005. From securing the best off-plan deal to managing short-term rentals, our team of multilingual, RERA-qualified experts delivers a seamless journey from first enquiry to final resale.

Let your Dubai property investment work harder for you. Get in touch and discover how we can help.