How to buy property in Dubai if you're not a resident: full process
Discover how non-residents can buy residential property in Dubai. Explore the steps for purchasing both resale and off-plan properties.
View guideDubai has become a top destination for real estate investors and those seeking a luxurious lifestyle, thanks to its futuristic skyline, dynamic economy, and global appeal. In this guide, we will delve into the benefits of buying property in Dubai, explore current market trends, navigate the legal requirements for foreign buyers, and highlight potential challenges you should be aware of when investing in this vibrant city.
Dubai is a global city that seamlessly blends tradition with modernity.
Known for its towering skyscrapers, luxurious lifestyle, and innovative infrastructure, Dubai is one of the world’s leading business hubs and tourist destinations.
As the most populous city in the United Arab Emirates (UAE), it attracts millions of visitors each year with its iconic landmarks like the Burj Khalifa, the world’s tallest building, and the Palm Jumeirah, a man-made island shaped like a palm tree.
Culturally, Dubai is a melting pot of nationalities, with over 80% of its population comprising expatriates. This community fosters a vibrant, cosmopolitan atmosphere, influenced by traditions from the Middle East, South Asia, Europe, and beyond.
The climate in Dubai is hot and arid, with temperatures soaring above 40°C (104°F) during the summer months. The city experiences mild winters, making it a popular destination during this time.
With its year-round sunshine and world-class amenities, Dubai offers a dynamic lifestyle that appeals to both investors and those looking to settle down.
Population distribution across UAE's regions
Dubai’s real estate market has become a magnet for global investors due to a combination of factors that make it one of the most attractive destinations for property investment.
First and foremost, Dubai offers strong potential for high returns on investment (ROI), with average rental yields ranging from 5% to 8% in many areas—significantly higher than in many other major cities around the world.
One of the key draws is Dubai’s tax-free environment. The city imposes no property tax, income tax, or capital gains tax, allowing investors to maximize their returns. Additionally, the UAE's stable political environment, robust legal framework, and strategic location as a gateway between Europe, Asia, and Africa further solidify Dubai’s position as a global investment hub.
Dubai’s thriving tourism sector, which consistently ranks among the most-visited cities worldwide, also fuels demand for short-term rental properties. Landmark events like Expo 2020 (now extended as a legacy project) and upcoming initiatives under Dubai’s Vision 2040 plan continue to bolster infrastructure, attracting both tourists and residents. As a result, areas like Downtown Dubai, Dubai Marina, and Palm Jumeirah remain in high demand, making them prime spots for property investment.
Another compelling reason to invest in Dubai is its pro-business government policies. The introduction of long-term visas, including the 10-year Golden Visa for investors, entrepreneurs, and highly skilled professionals, makes it easier for foreign nationals to live and work in Dubai.
Dubai's real estate market is projected to experience significant developments in 2025:
The cost of buying property in Dubai varies widely depending on the location, type of property, and market conditions.
As of 2025, the following are the average property prices in some of the most popular areas of Dubai:
Area | Min Price (CAD/sqm) | Max Price (CAD/sqm) |
---|---|---|
Downtown Dubai | 9,961.18 | 12,753.91 |
Dubai Marina | 7,174.08 | 11,175.70 |
Palm Jumeirah | 11,175.70 | 15,964.39 |
Business Bay | 5,981.42 | 8,774.15 |
Jumeirah Village Circle (JVC) | 3,189.88 | 4,784.82 |
Dubai Hills Estate | 5,180.36 | 7,970.05 |
Arabian Ranches | 4,384.71 | 6,781.90 |
Al Barsha | 3,588.16 | 5,582.24 |
While these figures provide a snapshot of the current market, property prices in Dubai can vary significantly based on the exact location, property type, and market conditions.
You can easily track the latest trends and price evolutions on our dedicated page:
Yes, Canadians can easily purchase property in Dubai, thanks to clear regulations and a welcoming legal framework. Dubai allows non-residents and expatriates to buy property in designated freehold areas, where they can own property outright with full ownership rights. This makes Dubai one of the most accessible cities in the Middle East for foreign investors.
There are no significant restrictions on foreign ownership in these freehold areas, which include popular locations like Downtown Dubai, Palm Jumeirah, Dubai Marina, Jumeirah Lakes Towers (JLT), and Arabian Ranches. Foreigners can buy apartments, villas, and even plots of land in these zones, either for residential use or as investment properties.
The UAE’s Golden Visa program is a residency initiative aimed at attracting long-term foreign investment and skilled professionals by granting extended residency rights to investors, entrepreneurs, and certain professionals. For real estate investors in Dubai, the Golden Visa offers significant benefits, making it a popular choice for those looking to establish a more permanent presence in the UAE.
Minimum investment requirement: To qualify for a Golden Visa under the real estate category, investors need to purchase property worth at least AED 2 million (approximately USD 545,000). This investment can be in a single property or across multiple properties, as long as the total value meets the minimum requirement.
Property type: The property must be in one of Dubai’s freehold zones, allowing for full ownership by foreign nationals. Both ready and off-plan properties are eligible, but the investment must be fully paid and free from any mortgages.
Duration of the visa: The Golden Visa is typically granted for a 10-year period, with the option for automatic renewal as long as the investment is maintained.
Benefits of the Golden Visa:
Eligibility for retirees and entrepreneurs: The Golden Visa is also available for entrepreneurs, senior executives, and retirees who meet specific criteria related to investment, savings, or professional achievements.
The process of applying for the Golden Visa involves purchasing the property, providing proof of ownership and valuation, and submitting relevant documents to the Dubai Land Department or through authorized real estate developers and agents. Once approved, the investor receives their residency visa.
As a foreigner, you do not need a special residence visa to purchase property in Dubai. However, having a valid passport is essential. While not required to buy property, many investors choose to apply for a long-term visa (like a property investor visa) once the property is purchased.
Opening a local bank account is advisable to manage payments related to the property purchase, including the deposit, purchase price, taxes, and ongoing utility payments.
To open a bank account, you’ll typically need:
Most banks in Dubai offer tailored accounts for non-residents or investors.
Explore online listings on Properstar to find properties for sale in your area of interest. You can leverage our advanced filters and even draw your preferred area on the map.
Additionally, hiring a RERA-registered real estate agent can provide significant market insights, help in the negotiation process, and ensure that the property meets all legal requirements. Dubai has specific freehold areas where foreigners can own property outright, such as Downtown Dubai, Palm Jumeirah, Dubai Marina, and Jumeirah Lakes Towers.
Make sure to conduct thorough due diligence, including checking the developer’s reputation and verifying that the property is in a freehold zone.
A knowledgeable real estate agent in Dubai can be your key partner in navigating the complex property market of the city, helping you find the best properties that match your needs, and guiding you through negotiations and legalities.
Here’s how to ensure you choose the best professional:
Local expertise: Dubai’s real estate market is complex and ever-evolving. Look for agents who specialize in the area you are targeting, whether it’s luxury properties in Palm Jumeirah, apartments in Downtown Dubai, or investment properties in newer areas like Dubai Hills Estate. A good agent should have in-depth knowledge of local property trends, pricing strategies, and legal regulations.
RERA certification: In Dubai, real estate agents are regulated by the Real Estate Regulatory Agency (RERA). Ensure that the agent is RERA-certified, which confirms that they are legally qualified and adhere to professional standards. You can verify an agent’s credentials via the Dubai Land Department (DLD) website.
Language and communication: If you’re not fluent in Arabic, selecting an agent who speaks your preferred language is crucial. They will play a pivotal role in liaising with sellers, property developers, and legal representatives, so clear communication is key.
Experience and track record: Choose an agent with a proven history of assisting foreign buyers in Dubai. An experienced agent can help you navigate common challenges faced by international investors, from understanding freehold versus leasehold areas to securing mortgage financing if needed.
You can utilize Properstar's agent search feature to find reputable local real estate agents. Our platform offers access to a wide network of professionals vetted for their expertise and reliability, making it easier to find someone who meets your specific needs.
Once you have identified properties that meet your criteria, it's time to conduct in-person viewings. Assess the property's condition, location, amenities, and suitability for your needs.
When conducting viewings, consider:
Before committing to a property purchase in Dubai, conduct thorough legal checks and due diligence.
Title deed verification: The Dubai Land Department (DLD) manages the property registry in Dubai. You can verify the title deed through the DLD’s online portal or with the assistance of your agent. This step ensures that the property is free from liens, mortgages, or disputes and that the seller is the legal owner.
Compliance with zoning and regulations: Ensure that the property complies with local zoning laws and regulations. This is especially important for off-plan purchases where the property is still under construction. Confirm that the developer has obtained all the necessary permits and approvals from relevant authorities, including the Real Estate Regulatory Agency (RERA).
Property inspection: Although not mandatory, it is highly recommended to have a professional property inspection to assess the condition of the building, utilities, and overall structure. Inspections can uncover hidden issues that could lead to significant repair costs later.
Once you have identified the right property, work with your agent to make a formal offer. Negotiation is common in Dubai’s property market, so the initial asking price can often be adjusted. If the offer is accepted, you’ll move forward to the contract stage.
In Dubai, the preliminary agreement between the buyer and seller is known as a Memorandum of Understanding (MOU) or Form F. This document outlines the terms of the sale, including the purchase price, payment schedule, and any other conditions agreed upon.
Typically, a 10% deposit is required at this stage, which is held in escrow by the agent or developer. The MOU is legally binding, and if the buyer backs out, they may forfeit their deposit.
If you’re financing the purchase through a mortgage, finalize the terms with your bank. Dubai banks typically offer mortgages to foreigners with competitive rates, but they may require a down payment of 20-25% for expats. Ensure your mortgage approval is in place before proceeding to the next stage.
The Sales and Purchase Agreement (SPA) is the final binding contract between the buyer and seller. This document finalizes the sale and includes all legal terms, payment details, and transfer conditions.
At this stage:
Once the SPA is signed and the payment is completed, the property needs to be registered with the Dubai Land Department (DLD). The new owner will receive a title deed in their name, confirming ownership.
Unlike many other countries, Dubai does not impose property taxes, making it an attractive investment destination. However, there are fees associated with the purchase:
Fee Type | Percentage/Amount |
---|---|
DLD Transfer Fee | 4% of the property purchase price |
Registration Trustee Fee | AED 4,000 (properties over AED 500,000) |
Agency Fee | 2% of the purchase price |
Mortgage Registration Fee (if applicable) | 0.25% of the loan amount |
NOC (No Objection Certificate) Fee | AED 500 - 5,000 (depending on developer) |
These fees are typically split between the buyer and seller, but the specifics should be agreed upon during negotiations.
After the property is registered in your name, you’ll need to transfer utilities such as electricity, water, and cooling to your name. The main utility provider is DEWA (Dubai Electricity and Water Authority). You may also need to set up services for district cooling (if applicable) through providers like Empower or Tabreed.
Given the complexity of the process, hiring a property lawyer or using the services of an experienced agent is highly advisable.
Many major banks in Dubai, such as Emirates NBD, Mashreq Bank, and HSBC, offer mortgages specifically tailored for foreign buyers. Mortgage terms and conditions may differ slightly for non-residents compared to residents, but Dubai is well-known for its accessibility to international property investors.
Interest rates in Dubai typically range between 3.5% to 5% for fixed-rate mortgages, though rates can fluctuate depending on factors such as loan tenure, down payment, and the applicant’s financial profile. It’s essential to shop around for competitive rates as they can vary across different banks and mortgage providers.
To apply for a mortgage in Dubai as a foreigner, you’ll need to gather key documentation, which usually includes:
Dubai banks generally accept documents in English, but if your documents are in another language, notarized translations may be required.
Get a mortgage pre-approval: The first step is to approach multiple banks for a pre-approval, which gives you a clear understanding of the loan amount you qualify for and the interest rates you can expect. This step is crucial in determining your budget before you start property hunting.
Submit required documents: Once you’ve chosen a lender, you’ll need to submit all necessary documentation. The bank will evaluate your application based on your financial profile, creditworthiness, and the property’s value.
Property valuation: The bank will conduct a valuation to determine the property's market value and verify that it meets their lending criteria. The approved loan amount is usually based on the lower of either the property’s market value or the agreed sale price.
Mortgage approval and offer letter: If your application is successful, the bank will issue an offer letter detailing the loan amount, interest rate, repayment period, and any special terms.
Legal and administrative process: After mortgage approval, the bank manages most of the legal procedures, including coordinating with the developer or seller and the Dubai Land Department (DLD).
Non-residents in Dubai can typically obtain mortgages covering 50% to 75% of the property’s sale price or appraised value, depending on the property type and location. A down payment of at least 25% to 50% is required for non-residents, along with associated fees and taxes.
Key points to note:
While the process for obtaining a mortgage in Dubai is straightforward, it’s recommended to work with a mortgage broker or financial advisor familiar with the local market.
While Dubai is a lucrative market for property investment, there are potential risks and challenges that buyers—especially foreigners—should be aware of. Here are some common pitfalls:
The Dubai property market is dynamic, with prices influenced by economic conditions, new developments, and demand trends. Without thorough research or local expertise, there’s a risk of overpaying for a property. It’s crucial to understand the market, assess comparable properties, and work with a reputable, RERA-registered agent who knows the ins and outs of specific areas.
Purchasing off-plan properties (those under construction) is common in Dubai due to attractive payment plans and lower prices. However, project delays are a frequent issue. Some developments get delayed by months or even years, and in rare cases, projects are abandoned altogether. Always verify the developer’s track record and financial stability before committing to an off-plan purchase.
Some properties, especially in high-density developments, may suffer from poor construction quality or inadequate maintenance. This can lead to unexpected repair costs and impact the property’s value. Conducting a thorough property inspection and reviewing the maintenance history are critical steps before finalizing a purchase.
Although Dubai’s property laws are well-regulated by the Dubai Land Department (DLD) and the Real Estate Regulatory Agency (RERA), legal complexities still exist. These include:
Yes, property owners in Dubai can rent out their properties. The rental market in Dubai is robust, with potential yields ranging from 5-8%. Owners can manage rentals directly or hire a property management company to handle tenant relations, maintenance, and rent collection.
There are two main types of property ownership in Dubai:
While it’s not legally required to hire a lawyer when buying property in Dubai, it is highly recommended. A lawyer can help with due diligence, review contracts, ensure legal compliance, and protect your interests during the transaction.
Selling property in Dubai is straightforward. You can list your property with a real estate agent, who will market it and handle negotiations. Keep in mind that you’ll need to pay a 2% agency fee and ensure that all outstanding service charges and mortgage payments (if any) are cleared before completing the sale.
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