Find a Property to Buy in Dubai
Dubai is a city that’s always glittering and getting the world’s attention. People come from all over the globe to live in a place that has it all.
Living in Dubai means working in one of the most competitive and diverse regions you can find, with global companies dominating the job market.
Additionally, it means having an amazing home that complements a luxurious lifestyle. Residents and investors buy properties in Dubai due to their high returns and the stability of having a home instead of worrying about rent increases.
Moreover, the diversity of properties in Dubai means that you can find something at every price point and level of luxury.
Top 5 Locations with High ROI in Dubai
1. Discovery Gardens (8.5%–9.2% ROI)
Still a top spot for investors, Discovery Gardens offers high rents and affordable prices under AED 500K in some units. Plus, it’s right on the metro line, making it super convenient for tenants who tend to stick around.
2. International City (8%–9% ROI)
A budget-friendly favorite with strong monthly returns. High occupancy, stable tenants, and low maintenance costs make this a dependable choice for steady income.
3. Al Furjan (6.7%–7.3% ROI)
Al Furjan is on the rise thanks to new metro access and easy routes to Sheikh Zayed Road. Villas here are a good value, and rents are climbing as supply tightens.
4. Dubai Hills Estate (6%–6.5% ROI)
While yields aren’t sky-high, Dubai Hills attracts premium tenants like families and professionals. It’s a safe, upscale community with excellent potential for capital appreciation.
5. Dubai Silicon Oasis (6.5%–7.5% ROI)
No longer just for techies, DSO offers affordable villas and apartments. Corporate tenants are moving in, making it a smart choice for investors seeking reliable, long-term renters.
How to Get a Mortgage in Dubai?
Buying property in Dubai can be exciting, whether you’re a first-time buyer, an expat putting down roots, or an investor expanding your portfolio. But the mortgage process? That’s where things can get tricky, unless you know the steps.
In Dubai, both residents and non-residents can apply for mortgages. However, your eligibility depends on factors like:
- Income level
- Employment status (salaried or self-employed)
- Credit history (UAE credit bureau will be checked)
- Age (typically 21–65 years)
Good to know: Non-residents can get financing too, but usually with higher down payments and fewer lender options. Note, if you are looking for a reliable Mortgage Calculator, Property Finder has got you covered.
Types of Mortgages Available in Dubai
Dubai offers several mortgage options tailored to different needs:
- Fixed-rate mortgages: Your interest stays the same for a set period (often 1–5 years).
- Variable-rate mortgages: Rates adjust with the market, which can go up or down.
- Off-plan mortgages: For buying properties under construction (fewer banks offer these).
- Islamic mortgages: Sharia-compliant financing, structured as rent-to-own or joint ownership.
Documents You’ll Need to Get a Mortgage in Dubai
Prepare these documents upfront to speed up the mortgage process:
For Employees with a Salary:
- Passport + visa + Emirates ID
- Salary certificate
- 6 months’ bank statements
- Pay slips (optional)
- Credit report
For Self-Employed Individuals:
- Trade license
- Company financials (last 2 years)
- Personal + business bank statements
- VAT returns (if applicable)
The Mortgage Process: From Pre-Approval to Keys in Hand
Here’s what the full journey looks like:
- Get pre-approved (takes ~3–5 working days)
- Find your property
- Submit the mortgage application
- Get a property valuation (required by the bank)
- Receive a final approval
- Sign the mortgage offer letter
- Register with the Dubai Land Department
- Transfer ownership & get the keys!
How to Buy a Property in Dubai: A Step by Step Guide
Purchasing property in Dubai is an exceptionally shrewd and straightforward real estate choice, whether you're an expat planning a long-term stay, an experienced investor, or a first-time international homeowner.
Decide: Off-Plan or Ready Property?
Before diving in, decide what type of property suits you best:
Off-Plan Properties (under construction):
- Often cheaper upfront
- Flexible payment plans
- Delivered in 1–3 years
- Higher potential for capital appreciation
- Risk: Developer delays
Ready Properties (move-in or rented out):
- Immediate use or rental income
- Lower risk
- Higher upfront costs (including full down payment)
Choose the Right Area (Lifestyle, ROI, or Both)
Consider what your highest priorities are when buying a property, whether it’s ROI, lifestyle, or both. Here’s a quick guide to help you decide:
- Luxury Living: Palm Jumeirah, Downtown Dubai
- Family-Friendly: Dubai Hills, Arabian Ranches, Mirdif
- High ROI: JVC, Business Bay, Dubai South
- Waterfront Views: Dubai Marina, Bluewaters Island
Secure Financing
If you’re not buying in cash, you’ll need to:
- Get pre-approved for a mortgage.
- Provide documents (passport, visa, salary slips, bank statements, credit report)
- Choose between fixed, variable, or Islamic financing
- Prepare a down payment.
4. Make an Offer and Sign the Sales Agreement (Form F)
Once you agree on a price, you and the seller sign a Memorandum of Understanding (MOU)—also called Form F, registered with RERA.
You'll also:
- Pay a 10% deposit (held in escrow or by the agent)
- Set a transfer date for ownership
5. Get a No Objection Certificate (NOC)
Before transfer, the developer needs to issue an NOC to confirm:
- No outstanding service charges
- No legal disputes over the property
6. Transfer Ownership at the Dubai Land Department (DLD)
This is the official transfer. You (or your POA) will:
- Pay all fees (DLD, agency, mortgage registration if applicable)
- Get the title deed issued in your name
- Walk away as the legal property owner
Get a UAE Investor Visa When You Buy a Property in Dubai
The UAE offers investor visas for individuals who purchase property that meets certain criteria.
Key Requirements:
- Minimum Property Value: AED 750,000 (for 2-year visa)
- For 10-Year Golden Visa: Property must be worth AED 2 million+
- Property must be completed (not off-plan) and mortgage-free, or with 50% paid off
- Must be in a freehold area
Visa Types Based on Investment:
A 2-Year Property Investor Visa
- Minimum investment: AED 750,000
- Renewable every 2 years
- Spouse and children can be sponsored
- Issued by the Dubai Land Department (DLD) or other emirates
A 10-Year Golden Visa
- Minimum property value: AED 2 million
- Can include mortgaged properties (with AED 2M paid to the bank)
- Long-term residency with family sponsorship
- No need for a local sponsor or employer
Documents Required:
- Title deed
- Passport + visa copy
- Proof of investment (bank statements or mortgage docs)
- Good conduct certificate (sometimes required)
- Medical test and Emirates ID processing
Types of Properties for Sale in Dubai
The properties in Dubai for sale are as numerous and diverse as its population. You will find everything from apartments to villas and townhouses. Apartments come in all shapes and sizes, from studio apartments for sale and 1-bedroom apartments to spacious 7-bedroom apartments.
As for the villas and townhouses, you can find cozy 1-bedroom villas up to massive 7-bedroom homes. Meanwhile, the townhouses for sale in Dubai mainly include 3 or 4 bedrooms, to luxurious houses.
Off-Plan Projects
With so many off-plan projects available in Dubai, finding the one that perfectly matches your needs can be overwhelming. That’s why Property Finder has curated a selection of top developments in the city—each offering strong potential for high returns on your investment.
Here are our recommendations for the best ones to look out for:
Villa del Gavi
- Launch Price: 2.2M AED
- Location: Dubai, Deira, Dubai Islands, Villa del Gavi
- Developer: Mr. Eight Development
- Property Type: Apartments and Villas
- Expected Delivery Date: January 2027
- Payment Plan:
- Payment Plan:
- Down payment of 20%
- 15% at sales launch (3 Installments)
- 65% on handover
Azizi Milan Heights
- Launch Price: 580K AED
- Location: Dubai, City of Arabia, Azizi Milan
- Developer: Azizi Developments
- Property Type: Apartments (studio to 3-bedroom apartments)
- Expected Delivery Date: June 2028
- Payment Plan:
- Down payment of 10%
- 50% (During Construction)
- On handover 40%
Sofitel Residences By Azha
- Launch Price: 2.5M AED
- Location: Dubai, Downtown Dubai, Burj Khalifa Area, Sofitel Residences Downtown
- Developer: Azha Development
- Property Type: Apartment, Penthouse (From 1-bedroom apartments to 5-bedroom apartments)
- Expected Delivery Date: December 2026
- Payment Plan:
- 10% at Sales Launch
- 30% During Construction
- 60% On handover
All in all, you’re guaranteed to find the perfect property to buy in Dubai depending on your needs and budget. There are new developments constantly springing up in Dubai, increasing housing options.
Affordable Communities to Buy Properties in Dubai
If you’re looking for a budget-friendly property to buy in Dubai, you need to take the location into account. If you’re considering an apartment, you’ll find many affordable options for flats to buy in Dubai in communities like Dubai Land and Jumeirah Village Circle, among many others.
Dubai Land
Dubai Land is one of the most popular residential areas in Dubai. It’s located on Sheikh Mohammed bin Zayed Road just past Global Village. Properties for sale in Dubai Land are some of the most highly sought after, thanks to their luxury and the many amenities in the area.
Jumeirah Village Circle
Apartment prices in Jumeirah Village Circle are quite affordable compared to other neighborhoods.
For instance, the average price of a studio for sale in JVC is AED 648,609/year. 1-bedroom apartments average AED 1,023,476/year, and 2-bedroom apartments cost an average of AED 1,629,451/year, and 3-bedroom apartments cost around AED 2,089,608/year. However, you can find more affordable options, since cheap apartments for sale in JVC are readily available.
Dubai Land Residence Complex
Dubai Land Residence Complex offers affordable studio - 3 bedroom apartments. Studio apartments for sale in Dubai Land Residence Complex, have an average price of 467,711 AED, and 2-bedroom apartments for sale have an average price of 1,145,465 AED.
Jumeirah Lake Towers
Jumeirah Lake Towers offers many affordable apartments. Studio apartments for sale in JLT have an average price of 1,024,328 AED, and 2-bedroom apartments for sale have an average price of 2,552,139 AED.
Where to Find Luxurious Properties for Sale in Dubai
If you’re on the lookout for lavish properties to buy in Dubai, you’re lucky because this city is all about the glam. For luxury apartments for sale, consider a high-rise apartment in Dubai Marina or Downtown Dubai with an open view of the iconic Dubai skyline.
Whereas for villas, a beachfront villa on Palm Jumeirah or in a gated community like Arabian Ranches and Dubai Hills Estate never disappoints.
Areas with Luxurious Apartments for Sale in Dubai
Dubai Marina
Dubai Marina is the epitome of luxury and one of the most popular residential areas in the emirate. There is a wide range of apartments for sale in Dubai Marina available to choose from, from studios to penthouses. With an average price of AED 2,665,080, it is a great investment opportunity, as the average prices have increased by 2.86% year on year.
Dubai Creek Harbour (The Lagoons)
Dubai Creek Harbour (The Lagoons) is another great example of luxury in Dubai. The area offers a waterfront lifestyle with a marina and captivating views of the skyline. Ras Al Khor Wildlife Sanctuary is close by for nature enthusiasts. The average price of the apartments for sale in Dubai Creek Harbour is 2,665,080 AED.
Areas with Luxurious Villas for Sale in Dubai
However, if you’re looking for a luxury villa for sale in Dubai in a more secluded setting, you’ll find many areas to choose from.
Palm Jumeirah
Palm Jumeirah is a prime location for luxury villas, offering an unparalleled waterfront living experience. These extravagant properties boast stunning views of the Arabian Gulf and the Dubai skyline, providing residents with an exclusive and serene environment.
Villas for sale in Palm Jumeirah typically range from 4,000 to 35,000 square feet, featuring multiple bedrooms, private pools, expansive gardens, and direct beach access. The average sale price for a villa in Palm Jumeirah is around 39,228,717 AED.
Dubai Hills Estate
This upscale gated community by Emaar offers luxurious villas surrounded by a golf course and every amenity at your doorstep. The average price of a Dubai Hills villa for sale is 11,678,453 AED, with a price increase of 17.05% year over year, making it a great investment.
Freehold Areas Where Expats Can Buy Properties in Dubai
Freehold areas in Dubai are specific zones where foreigners can fully own properties with complete ownership rights. Dubai was one of the first to offer freehold ownership to expatriates. In 2001, the government allowed expats to lease freehold land for 99 years.
Then, in 2002, the Freehold Decree was introduced, enabling foreigners aged 21 and over to buy and sell properties in designated freehold areas. Since then, many parts of Dubai have been established as freehold zones. Here are some of the best areas to consider for buying a property:
Top Freehold Areas for Apartments
- Downtown Dubai: Right in the heart of the city, Downtown Dubai is home to iconic landmarks like the Burj Khalifa and the Dubai Mall. It’s a prime location, known for its luxury living and vibrant urban lifestyle.
- Jumeirah Beach Residence (JBR): JBR offers the perfect beachfront lifestyle with stunning views of the Arabian Gulf. It’s ideal for those who want stylish apartments right by the water.
- Emaar Beachfront: For a more exclusive feel, Emaar Beachfront delivers upscale apartments with beautiful waterfront settings, combining luxury and tranquility.
- Bluewaters Island: Famous for Ain Dubai, the world’s tallest Ferris wheel, Bluewaters Island features trendy apartments ranging from one to four bedrooms, catering to a modern lifestyle.
- Discovery Gardens: Close to Ibn Battuta Mall, Discovery Gardens is known for its spacious and affordable apartments, making it a popular choice for budget-conscious residents.
- Dubai Production City (IMPZ): IMPZ is a solid option for affordable living, with a range of studios, 1-bedroom, and 2-bedroom flats that appeal to budget-conscious renters and buyers.
- Remraam: A peaceful gated community surrounded by greenery, Remraam offers budget-friendly apartments: studio apartments, 1-bedroom, 2-bedroom, and 3-bedroom.
- Jumeirah Lake Towers (JLT): Known for reasonable prices and freehold ownership, JLT is popular among investors.
- The Greens:The Greens is a well-established, family-friendly community along Sheikh Zayed Road. It features a range of studio, 1, 2, and 3-bedroom apartments ideal for families and professionals.
- The Views: Located next to The Greens, The Views boasts beautiful Emirates Golf Club vistas.
Top Freehold Areas for Villas
- Emirates Hills: Think luxury on another level, with grand villas fit for politicians and businessmen. Prices are sky-high for 5-bedroom homes.
- Jumeirah Islands: A serene escape with turquoise lakes and private beaches developed by Nakheel.
- Arabian Ranches 1, 2 & 3: A favorite for families seeking space and greenery. With parks, lakes, and BBQ spots.
- Jumeirah Park: Another family-friendly community by Nakheel, with lush green spaces and schools nearby.
- The Meadows: A peaceful spot divided into nine sub-communities, featuring lakes and lots of greenery.
- The Springs: A gated, secure community ideal for young families, with plenty of amenities.
- The Sustainable City: For those who care about green living, this eco-conscious community offers energy-efficient villas.
- Reem: A gated community with competitively priced villas and townhouses, making it great for investors.
- The Lakes & The Valley by Emaar: If you’re after plenty of amenities like sports courts and schools, The Lakes is a reliable choice. The Valley, launched in 2019 by Emaar, offers convenient access to shops and restaurants, making it a great option for modern living.
FAQs about Properties in Dubai for Sale
Which locations should I consider when looking into a Dubai property for sale?
When it comes to buying an apartment, these locations are worth considering:
- Jumeirah Village Circle (JVC)
- Business Bay
- Downtown Dubai
- Dubai Land
However, if you are looking for a villa to buy, then these locations will serve you better:
- Arabian Ranches
- Dubai Hills Estate
- Dubai South (Dubai World Central)
- Mohammed Bin Rashid City
Have property sale prices in Dubai changed in the last year?
Yes, average sale prices are around AED 2.75 million, up by 2.8% year-over-year, largely influenced by shifting market trends.
What are the trends in listing prices for residential real estate over the past 6 months?
Listing prices have climbed by 16.19% in the last six months, driven by market demand and the introduction of new developments.
Can I buy property in Dubai without a down payment?
Dubai has no zero down payment properties. The minimum downpayment required for buying a property in Dubai is 20%, as set by the DLD.
How Much Salary Is Required To Buy A House In Dubai?
You need a minimum salary of AED 15,000 to qualify for a mortgage from most banks in Dubai.
Is Buying Property In Dubai Tax-Free?
Yes, buying property in Dubai is tax-free. You do not have to pay property taxes, tax on rental income, or capital gains taxes. So if you’re buying to invest, you can make more profit out of your property.
