Dubai has taken another major step toward supporting long-term residency and financial inclusion for its population. In July 2025, the Dubai Land Department (DLD), in collaboration with the Department of Economy and Tourism (DET), launched the First-Time Home Buyer Programme — a strategic initiative designed to help UAE residents purchase their first home in the city.
Whether you’re an expatriate who has been renting for years or a local resident looking to establish deeper roots, this programme may be your opportunity to finally become a property owner.
What Is the Programme?
The First-Time Home Buyer Programme is a government-backed initiative under Dubai’s broader Economic Agenda (D33) and Real Estate Strategy 2033. It is aimed at converting long-term residents into homeowners, providing them with tools and incentives to purchase freehold residential property — whether off-plan or ready-to-move-in.
Who Is Eligible?
To qualify, applicants must meet the following criteria:
- Be a UAE resident (any nationality)
- Be 18 years or older
- Have never owned a freehold residential property in Dubai
- Be purchasing a property valued at up to AED 5 million
Key Benefits for Buyers
Participants in the programme receive a wide range of exclusive advantages, including:
1. Preferential Pricing
Special rates from 13 of Dubai’s top developers, such as Emaar, Nakheel, DAMAC, Meraas, and Danube.
2. Flexible Payment Plans
Developers are offering tailored installment schedules that reduce the financial barrier to entry.
3. Mortgage Support
Five major UAE banks — including Emirates NBD, Mashreq, and Dubai Islamic Bank — are offering reduced rates, simplified application processes, and longer payment terms (up to 18 years).
4. Priority Access
Buyers receive early access to select off-plan launches and ready properties, allowing them to secure units before public sales open.
5. DLD Fee Flexibility
DLD registration fees (typically 4% of property value) can now be paid in interest-free installments using select credit cards.
How to Apply
Applying is simple and can be done in just a few steps:
- Register via the Dubai Land Department website or download the Dubai REST app
- Log in using your UAE Pass
- Submit your personal details and confirm you’re a first-time buyer
- Receive your personalized QR code, which grants access to all programme benefits
- Use the QR code when speaking with developers or applying for a mortgage
Once you complete your property registration, the QR code becomes invalid — this is a one-time benefit designed specifically for first-time ownership.
Why It Matters
This initiative not only helps residents gain security through property ownership but also strengthens Dubai’s position as a destination for sustainable, long-term living. With rental prices increasing and investor competition rising, this programme provides residents with a unique advantage in securing property at better terms.
Dubai continues to lead the region in innovation and economic inclusivity — and this programme is a perfect example of that vision in action.
Final Thoughts
If you’ve been considering buying your first home in Dubai, there’s never been a better time. With exclusive incentives, better financing, and streamlined support, the First-Time Home Buyer Programme removes many of the traditional obstacles that come with entering the real estate market.
Need help navigating the process or choosing the right project? Our team is here to guide you step-by-step.
