Dubai’s real estate market has become one of the most attractive in the world not just for investors, but also for residents ready to call the city home. Whether you’re drawn by the modern skyline, world-class amenities, or tax-free ownership, buying your first home in Dubai is an exciting step toward financial independence and long-term stability.
However, navigating the process can be overwhelming for first-time buyers. This guide breaks down everything you need to know from understanding freehold ownership to choosing the right community and securing the best deal.
Understand Dubai’s Property Ownership Rules
Since 2002, Dubai has allowed foreign nationals to purchase property in designated freehold areas, meaning you own the home outright. Popular freehold zones include Downtown Dubai, Dubai Marina, Jumeirah Village Circle, Sobha Hartland, and Business Bay.
Alternatively, leasehold areas grant property rights for up to 99 years — ideal for long-term living, but not full ownership. Always confirm your project’s ownership status before buying.
Set a Realistic Budget
Before starting your property search, define your total budget, not just the property price. Include:
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4% Dubai Land Department (DLD) fee
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2% agent commission (if applicable)
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Mortgage registration fee (0.25% of the loan amount)
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Maintenance and service charges (annual, depending on community)
For first-time buyers, many developers offer off-plan payment plans — allowing you to pay in instalments during construction, reducing the initial cost burden.
Choose Between Off-Plan and Ready Properties
Off-Plan:
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Lower entry price and flexible payment options
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High capital appreciation potential before handover
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Suitable for investors and long-term planners
Ready Properties:
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Immediate occupancy or rental income
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Transparent inspection before purchase
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Great for buyers seeking quick move-in options
At Hubbards Real Estate, we help clients assess which strategy aligns with their financial goals and timeline.
Select the Right Community
Your home’s location determines its lifestyle and future value. Consider:
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Downtown Dubai: Luxury apartments near Burj Khalifa and Dubai Mall.
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Dubai Hills Estate: Family-friendly villas surrounded by greenery.
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Sobha Hartland II: High-end waterfront living with modern architecture.
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JVC & Arjan: Affordable options for first-time buyers and steady rental yield.
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Dubai Creek Harbour: Smart city concept with long-term appreciation potential.
Each community offers a distinct lifestyle — from urban vibrancy to tranquil suburban comfort.
Secure Financing or Mortgage Approval
If you’re not buying in cash, obtaining mortgage pre-approval is essential. UAE banks typically finance:
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Up to 75–80% of the property value for expatriates
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Loan terms of up to 25 years
Provide proof of income, employment, and residency status to qualify. Our advisors can connect you with trusted mortgage partners for competitive rates and approvals.
Legal Steps & Documentation
Once you’ve found your dream home:
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Sign the Sale & Purchase Agreement (SPA) – outlines terms, payment, and handover timeline.
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Transfer Ownership – completed at the DLD through the Oqood or Title Deed system.
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Receive Keys / Handover – after full payment or final instalment.
All transactions are protected under Dubai’s Real Estate Regulatory Agency (RERA), ensuring buyer security and transparency.
Handover & Beyond
After handover, inspect the property for any maintenance issues. Developers typically offer a 1-year defect liability period. You can then:
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Move in
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Rent it out for income
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Resell if the market conditions are favourable
Hubbards Real Estate also provides after-sales and property management support, ensuring your new home or investment remains stress-free.
Buying your first home in Dubai marks the beginning of an exciting new chapter — one filled with opportunity, growth, and lifestyle rewards. With the right guidance, you can navigate the process smoothly and secure a property that delivers long-term value.
At Hubbards Real Estate, we specialise in helping first-time buyers make informed decisions. From selecting the right project to handling paperwork and financing, our experts ensure a seamless experience from start to finish.
📞 Contact us today to begin your homeownership journey in Dubai.
