Our buyer’s guide will help you familiarize yourself with the property buying process
so that your purchase goes ahead as smoothly as possible.


Allocate a budget

The most important thing to do when you start looking for a property is to fix your budget. If you are buying in cash, make sure you have the money available to you at the time of transfer.

Get a mortgage if required

If you require a mortgage, speak to a mortgage advisor and have them arrange Pre-Approval for you from the bank. If you are getting a mortgage, you will need a minimum deposit of 25%.


Find a qualified broker

Find a trusted RERA qualified broker, and work with them to find your ideal home or investment property. You will sign a Form B contract with your broker to represent you in the upcoming negotiations.

Make an offer

Once you’ve found your dream property that seems to match your requirements and budget, make an offer move quickly. This puts you in a stronger negotiating position.


Pay the deposit

Once both parties have agreed on the price, they will enter into a legally binding agreement called an MOU (Memorandum of Understanding) or Form F, via the Dubai Brokers App. You will be asked to produce a current dated cheque in the name of the seller as a 10% deposit and a PDC in the name of the broker’s company for the commission.

Hire a conveyancer

Engaging the services of a professional conveyancer will assist you with the sales process. A good conveyancer will hold your hand every step of the way.


Obtain the NOC

Before the purchase, the seller will need to obtain an NOC from the developer to ensure that the property is free from any outstanding service charges.

"Block" the property

If there is a mortgage on the property you are buying, you will have to go through the “blocking” process. The seller will obtain a liability letter from their bank and you will come to the DLD to “block” the property with the relevant cheques.


Transfer the property

On the day of the transfer, you will meet at the transfer office with your broker, conveyancer and the seller. Property purchases can only be made in cash or by manager cheques. You will also need a cheque for 4% of the value of the property for the DLD transfer fees and cash for the DLD office as administration fees. Once the transfer is complete, the sale is registered with the DLD and you will receive your new Title Deed and all keys/access cards to your property.

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