01
We own where we advise.
We know the service charges, the building management and the resale history because we have lived them.
Direct Ownership
The Principal Advantage
Why buy with us
Four commitments shaped by four decades of investing our own family capital in Dubai.
02
Fewer, better options.
We do not chase listings. We show you what actually fits.
Curated Selection
03
Honest pricing.
We have no reason to inflate prices to win a listing. The majority of what we show you is already ours, and we price other owners' properties by the same rules.
Evidence-Led
04
One adviser from start to finish.
The person who takes your brief is with you on viewings and paperwork until you get the title deed.
Dedicated Adviser
The Owner Advantage
Why buying from an owner is different
An owner who has held a property for years knows the building well and has no reason to hide a problem that will be found at handover. Our properties come with their full history: original purchase, upgrades, tenancy record and service-charge statements.
Original purchase
Upgrades
Tenancy record
Service-charge statements
The Acquisition Process
How buying works
From the initial consultation to handover and beyond, a disciplined, transparent seven-step journey.
01
Step 01
Brief
A 30-minute call about budget, purpose and timing.
02
Step 02
Shortlist
3 to 5 options with our written opinion on each.
03
Step 03
Viewings
We come with you and show you the neighbourhood, not just the home.
04
Step 04
Offer and MOU
We prepare the Form F and the deposit is held with a registered trustee.
05
Step 05
Finance
We introduce independent mortgage advisers if you need one.
06
Step 06
Transfer
NOC, trustee appointment and Dubai Land Department transfer, done with you.
07
Step 07
After
Keys, utilities, community registration and, if you want, property management.
Independent Advisory
Financing, without the sales pitch
We do not sell mortgages. We will tell you plainly what banks will lend on a given property, what the UAE Central Bank limits are for residents and non-residents, and introduce you to independent advisers.
UAE Central Bank Limits
Clear guidance on Loan-to-Value (LTV) thresholds for both UAE residents and international buyers.
Independent Advisers
Unbiased introductions to vetted mortgage specialists with whole-of-market access across UAE lenders.
Ask about financing
Independent · Candid · Principal-led
Zero Lender Affiliation
Objective borrowing capacity & evidence-led evaluations
The Dubai Buyer's Guide
Buyer's Guide
Objective legal, financial and procedural guidance from principals with four decades of personal market experience.
01
Who can buy in Dubai
Anyone of any nationality can buy freehold property in Dubai's designated freehold areas, which include every community in our area guides. You do not need a residence visa to buy. Buying a property worth AED 2 million or more makes you eligible to apply for a 10-year Golden Visa; properties worth AED 750,000 or more may qualify for a two-year investor visa. Companies can buy through a Dubai-registered entity or, in some areas, an approved offshore company.
Explore residency & ownership qualifications:
AED 2,000,000
Minimum Property Equity Threshold
Grants 10-year renewable residency for the buyer, spouse, children, and domestic staff with zero maximum stay restrictions outside the UAE.
AED 750,000
Minimum Property Value Threshold
Provides a renewable 2-year UAE residence visa sponsored through the Dubai Land Department for ready freehold residential properties.
DLD Approved
Mainland & Free Zone Entities
Acquisitions permitted via Dubai-registered LLCs, DIFC foundations, DMCC entities, or approved JAFZA offshore structures.
Freehold Eligibility
AED 2M Golden Visa
Corporate Entities
02
Costs to budget for
Dubai Land Department transfer fee: 4% of the purchase price. Registration trustee fee: AED 4,200 for properties above AED 500,000 (AED 2,100 below). Agency commission: 2% of the purchase price plus 5% VAT. If you take a mortgage: mortgage registration fee of 0.25% of the loan amount plus AED 290, bank valuation fee of roughly AED 2,500–3,500, and bank processing fee of up to 1% of the loan. Developer NOC fee on resale: typically AED 500–5,000 depending on the developer. Service charges are paid annually in advance and are pro-rated at transfer. Allow roughly 7–8% of the price in total for a cash purchase and 8–9% with a mortgage.
Statutory acquisition outlay:
4% + AED 4,200
DLD & Registration Trustee
Dubai Land Department transfer fee of 4% plus registration trustee fee of AED 4,200 (for properties above AED 500,000) or AED 2,100 below.
2% + 5% VAT
Agency Commission · Resale NOC
Agency commission: 2% of purchase price plus 5% VAT. Developer NOC fee on resale: typically AED 500–5,000 depending on master developer.
7–8% Cash / 8–9% Mort.
Overall Closing Budget
Mortgage registration: 0.25% of loan + AED 290. Bank valuation: ~AED 2,500–3,500. Total budget: 7–8% for cash purchase, 8–9% with mortgage.
4% DLD Transfer
2% Commission + VAT
7–8% Cash Budget
8–9% Mortgage Budget
03
Ready property vs off-plan
A ready property is complete and registered with a title deed; you pay in full at transfer and can move in or let it immediately. Off-plan is bought from the developer before completion on a payment plan, registered with an Oqood certificate until handover; your money is held in a DLD-regulated escrow account and released to the developer as construction milestones are met. Off-plan offers lower entry prices and staged payments; ready property offers certainty, immediate income and a known building.
Title Deed: Issued immediately at transfer in your name.
Occupancy: Immediate handover for personal use or rental yield.
Payment: Full purchase price settled upon transfer day.
Track Record: Physical inspection, historic service charges known.
Oqood Certificate: Interim title registration until handover.
DLD Escrow: Funds released only as construction milestones verified.
Payment Plan: Staged milestone payments spread across construction.
Entry Price: Lower entry pricing with capital appreciation potential.
Immediate Title Deed
DLD Escrow Account
Oqood Certificate
04
Documents you will need
Passport copy; Emirates ID and visa copy if resident; proof of address; for a mortgage, three to six months of bank statements, salary certificate or audited accounts, and a liabilities letter. For a company purchase, trade licence, memorandum of association, board resolution and shareholder passports.
Valid passport copy
Emirates ID & residency visa copy
Current proof of address (utility bill / lease)
3 to 6 months bank statements (mortgage or proof of funds)
Salary certificate or audited accounts & liabilities letter
Passport & Emirates ID
Proof of Address
Bank Statements
Company Trade Licence
05
Timeline from offer to keys
Offer accepted and Form F (memorandum of understanding) signed, usually with a 10% deposit held by the registration trustee: day 1. Mortgage pre-approval if needed: 1–2 weeks. Seller obtains developer NOC: 1–2 weeks. Bank valuation and final offer letter: 1–2 weeks. Transfer at a DLD registration trustee office, payment by manager's cheque, title deed issued the same day: typically 4–8 weeks from offer for a mortgaged purchase, 2–3 weeks for cash.
Day 1: Form F & Deposit
2–3 Weeks (Cash)
4–8 Weeks (Mortgage)
Same-Day Title Deed
06
Common mistakes
Buying on the brochure rather than two years of service-charge statements. Not checking the building's management company and sinking fund. Assuming asking price is market price; always ask for registered comparables. Overlooking chiller charges in older towers. Not confirming the seller's mortgage can be cleared before transfer. Buying off-plan without checking the escrow account number and the developer's completion record.
Two Years Service Charges
Sinking Fund Audit
Registered Comparables
Escrow Verification
Direct Principal Advisory
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Direct counsel from seasoned property principals