First-time buyer checklist
Before you start looking
Get your budget in writing. A mortgage pre-approval from a UAE bank tells you your maximum property price and strengthens your offer when you find the right home.
Understand total cost
Beyond price, budget for DLD 4% transfer fee, agent commission (typically 2%), mortgage registration, valuation, and service charges. Typical all-in cost is 6–8% on top of the property price.
Pick your areas
Shortlist 2–3 neighbourhoods and visit them on a weekday and a weekend. Look at commute, amenities, school catchment, and construction activity.
Verify the listing
Prefer listings with the Verified badge — they've been physically inspected and the photos match reality. It dramatically lowers the chance of wasted viewings.
Negotiate and secure
An MOU (Form F) and a 10% cheque lock the deal. Your bank then issues a final offer letter, the NOC is obtained from the developer, and transfer happens at the DLD trustee office.