Guide to buying a property in Dubai

Buy a property in Dubai with the expertise and knowledge of Dubai Land Department’s Most Active Agency; Allsopp & Allsopp of 2020 on your side.

It is so important to work with a brokerage you can trust and who will support you and guide you through the entire process. Allsopp & Allsopp will become your house buying ally.

Here is a simple step by step guide to buying an apartment or a villa in Dubai.

Step 1 – Get your finances in place.

So many of us are guilty of starting the buying process by browsing through properties advertised online only to end up disheartened when your dream home is way out of budget. Keep in mind that the deposit is not the only fee that you need to think about; there are transfer fees, agency fees, sales progression fees, mortgage arrangement fees and mortgage insurance fees.

We advise you to speak to a mortgage advisor to get all the information you need – they are experts in their field and can talk you through all costs involved in buying your first property in Dubai. Allsopp & Allsopp have an in-house Mortgage team ready and waiting to take your call.

Step 2 – Choose a list of essential property features.

Now you have a budget in mind you can start to make a list of must-have property features such as the number of bedrooms required, the driving distance to a school or a workplace or whether you prefer a villa or an apartment. Be prepared to compromise! It is very rare that a property will tick every box so put this list in order of importance.

Step 3 – Understand the buying process in Dubai.

It is imperative that you get your broker to talk you through the entire sale process in Dubai from start to finish; From how to make an offer, the negotiation process, the paperwork required, the NOC, transfer appointments and the handover. You are about to take a very large leap and spend possibly the most money you have ever spent so it is time to do as much due diligence as possible and ask every single question that pops into your head.

Step 4 – Viewings.

During the viewing process, keep an open mind and don’t rule out a property because of one factor – your broker may be able to come up with a solution. It is often difficult to see past a décor that is not your style, but it is important that you don’t focus too much on things that can easily be changed. Buying a property is a huge step so be sure to ask as your broker as many questions as you need to – they will be happy to oblige.

Step 5 – Make an Offer.

Once you have found a property to buy, make a decision on what you would like to offer. Put the offer to your broker and they will start the negotiating process with the seller. This is the most nerve-racking time, but your Allsopp & Allsopp broker has it under control and will keep you updated imminently with every advance.

Step 6 – Sign the Agreement of Sale. 

The Agreement of Sale  is the first stage in the formation of a formal contract. It is a binding agreement between the buyer and seller outlining the terms and details of an understanding, including each parties' requirements and responsibilities. Your broker will run through this with you to ensure you are happy to go ahead before moving onto the transfer stage of the sale.  The agent will create a Unified Form F which is generated from the DLD REST App by the broker. This is a form of contract that is registered with the DLD. 

Step 7 – Sale Progression

The Allsopp & Allsopp in-house sales progression team will be with you every step of the way to ease you through the sale process and make it as seamless as possible from the No Objections Certificate (NOC) from the developer through to the transfer. They coordinate between you as a buyer, the seller, the developer and the banks involved and with all the experience they have gathered over the years they are extremely proactive and know the process inside out. Your sales progressor will make sure all of your documents are in order before beginning the process in order to avoid delays.


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Our Properties

We cover residential and commercial properties in over 30 communities in Dubai.

Whether you are renting a property or looking to buy, we have an array of homes for you to choose from.

Your Questions Answered

You will need a passport and if you are a resident of Dubai you will also need a visa and Emirates ID. If you are purchasing with a mortgage you may be asked to provide a copy of your pre-approval. If you are looking to purchase in a company name please speak with one of our agents who will be able to advise you further.

A 2% brokerage fee and a 4% transfer fee is to be paid to the Dubai Land Department. An AED 4000 transfer appointment fee will be paid by the buyer to the DLD trustee office along with an AED 580 administration fee.

If a buyer is paying with a mortgage they will have to pay 0.25% of the total loan amount plus an additional admin fee of AED 290. Buyers will also pay AED 7,500 for sales progression.

Talk to a qualified mortgage adviser to see exactly what your financial options are, exactly how much cash you will need and what your budget will be. Once you have this in mind you can begin the property search and can negotiate within your means for a property and sign the contract. After the contract is signed your bank will construct a survey to ensure the sale can progress.

Looking for Property Specifics?

We’ve filtered out our most popular property features to help you in your search. If you have a feature that is a must in your home such as a garden, for example, then take a look below to check out the properties we have available with gardens.