Key Takeaways
- Dubai’s First-Time Home Buyer Programme is designed to make property ownership more accessible for first-time buyers.
- Benefits include priority access to new launches, preferential pricing, flexible payments, and exclusive mortgage offers.
- The program is open to any UAE resident who does not currently own freehold property in Dubai and is looking for a home under AED 5 million.
- Application is easy and managed online via the Dubai Land Department (DLD) portal or Dubai REST app.
- Participating developers and banks offer special perks through the program, with no extra application fees.
- Eligibility is lost after your first Dubai property purchase—even if you sell later.
Buying your first home in Dubai can feel overwhelming, but the city is making it easier than ever with the First-Time Home Buyer Programme. Whether you’re a UAE national or expat resident, this initiative opens doors to exclusive property deals, flexible payment options, and tailored mortgage solutions. Here’s everything you need to know to get started—and why acting now can put you a step ahead in Dubai’s booming property market.
What is the First-Time Home Buyer Programme?
Launched by the Dubai Land Department (DLD), this initiative offers a comprehensive set of perks to first-time property buyers:
- Priority Access: Get notified first about off-plan and ready properties from Dubai’s top developers.
- Preferential Pricing: Special rates and offers on select units.
- Flexible Payments: Spread out payments for properties and DLD fees, sometimes even via credit card.
- Exclusive Mortgages: Enjoy competitive mortgage deals and smoother approval from partner banks.
- Extra Developer & Bank Perks: Think waived fees, discounts, and even faster processing.
Who Can Apply? (Eligibility Criteria)
To qualify for the program, you must:
- Be a UAE resident (any nationality)
- Not own any freehold residential property in Dubai
- Be at least 18 years old
- Target a property under AED 5 million
You’re still eligible if you own property in other Emirates or in non-freehold areas of Dubai.
How Do You Apply?
- Register online via the Dubai Land Department website or the Dubai REST app.
- Submit your details as prompted.
- Receive a confirmation email with your First-Time Home Buyer QR code (if eligible).
- Use your QR code to unlock perks with participating developers and banks.
- No extra application fees apply, but normal property registration and bank charges may still be due.
- What if You’re Ineligible?
If you don’t meet the criteria, DLD will notify you with the reason. You’re welcome to reapply when you do become eligible.
Which Developers and Banks Are Involved?
Dubai’s leading developers and major banks are on board, including:
- Developers: EMAAR, DAMAC, Nakheel, Azizi, Meraas, Ellington, Binghatti, Wasl, and more.
- Banks: Emirates NBD, Dubai Islamic Bank, Mashreq, Commercial Bank of Dubai, and others.
This means a wide selection of properties and mortgage solutions.
Frequently Asked Questions (FAQ)
Do I need to get a mortgage?
No, but the program gives you access to enhanced mortgage options if you want them.
Is it just for off-plan properties?
No, you can buy ready homes too—with benefits applying to both categories.
Can I apply with someone else?
Yes, but both buyers must be eligible first-time buyers.
What if I sell my first property?
You lose first-time status after your first Dubai purchase—even if you sell later.
How long is my registration valid?
Your QR code remains active until you buy and register a property in Dubai.
Can I use the program with multiple developers or banks?
Yes! You can explore options with different participating partners, though perks depend on their specific offers.
Why This Programme Matters in 2025
Dubai’s real estate market continues to grow—and first-time buyers are getting a unique head start. With population growth, limited land, and rising property values, acting early and using official channels is more important than ever. The First-Time Home Buyer Programme gives you the insider’s edge.
Ready to Buy Your First Home in Dubai?
Don’t wait—start your journey to property ownership today with the First-Time Home Buyer Programme. Take advantage of exclusive benefits designed to support new buyers and get expert guidance every step of the way.
Pro Tip: Bookmark this guide and check back often—Dubai continues to enhance its buyer support initiatives regularly.
Need help getting started? Our real estate specialists are here to help—contact us today for tailored advice and expert support.