Guides · September 22, 2026 · 8 min read
Buying property in Dubai as a foreigner: the complete guide
Freehold areas, fees, mortgages and the transfer process — everything international buyers need to know.
Foreign nationals can buy freehold property in designated areas across Dubai, from Downtown and Dubai Marina to Palm Jumeirah and Dubai Hills Estate.
Key costs
- Dubai Land Department transfer fee: 4% of the purchase price
- Trustee and registration fees
- Agency fee (typically 2% + VAT)
- Mortgage registration fee if financing
Financing
UAE banks lend to residents and non-residents, with loan-to-value limits depending on residency status and property value. Our mortgage advisory team compares lenders on your behalf.
The transfer process
After agreeing terms, buyer and seller sign a memorandum of understanding, the developer issues a no-objection certificate, and the transfer completes at a registration trustee office.
Try our mortgage calculator to estimate your monthly repayments and upfront costs.
