Can Expats Buy Properties in Dubai?

Dubai is a city that has a lot to offer when it comes to lifestyle, experiences and opportunities. A melting pot of cultures from around the world, this city is more than welcoming, making it much more tempting to want to live here. But can foreigners buy property in Dubai? The short answer is yes, but there are some conditions.  Here’s a guide to everything you need to know about owning a property in Dubai as an expat:

How to buy property in Dubai

Dubai has seen a boom in real estate post-Covid, especially following the introduction of the Golden Visa in 2019. It is one of the hottest cities to buy properties in right now, with excellent returns on investment and several luxury projects to choose from. Compared to other cities in the world, buying property in Dubai is relatively easy as an expat. Apart from the necessary payments and proof of funds, all you need is a passport, email address and mobile phone number to get started. For an even smoother experience, it is best to opt for the services of a licensed real estate company that is equipped to provide end-to-end services.

Dubai offers several interesting projects for homebuyers and investors alike. Before you start looking at properties in Dubai, make sure to analyze market trends and future development plans. This will help maximize your ROI. Study the location advantages and the amenities available as well. Finally, research the developer. Check whether they have a good reputation and a positive track record with construction quality and on-time delivery.  

After you find a property you like and make an offer, you may be asked to submit proof of funds. While banks in Dubai offer mortgages to expats, they only cover 75% of the total cost, so save up for your down payment accordingly. The next step is signing the Memorandum of Understanding (MoU) which is what makes the sale official. You will be required to transfer a deposit at the time of signing the MoU, usually 10% of the sale price. The final step involves the transfer of property. You will need to meet the seller at the Dubai Land Department. Here, the MoU, NOC documents and ID proofs need to be submitted to the Registrar’s Office, after which you need to complete the final payment to receive your title deed and keys (if any).

Whether you want to buy a house in Dubai for yourself to live in or invest in property for rental income, you first have to check if the place you have an eye on is in one of Dubai’s freehold areas. Foreign ownership is only permitted in these designated zones. Purchasing a freehold property in Dubai gives you the freedom and flexibility to use it as you please, and even pass it down to your heirs. You can even lease it out and earn rental income from it. 

Where to buy property in Dubai

Dubai offers several unique advantages in terms of apartment and villa projects. Choosing where to invest your money can be overwhelming. Clarity on your intent and priorities will help narrow down your search. 

 Off-plan projects are a great option if you are not buying a home for immediate personal use. They can deliver a capital appreciation of 5% to 10% annually, which can translate to a profit of up to 30% or more from construction to handover depending on the market. 

While there is a growing list of freehold projects, here are five top locations worth taking a closer look at in 2025: 

Dubai properties to buy in 2025

Dubai Marina

Offering both residential and hospitality properties, this iconic neighborhood is known for its elite lifestyle and water views. With access to premium malls, amenities and more, Dubai Marina is a stable luxury market with a rental yield of 8.5%.

Jumeirah Village Circle (JVC)

Perfect for families, JVC is a much sought-after location and has consistently delivered some of Dubai’s best rental yields. Comparatively more affordable, with several location advantages that include access to good schools, convenience stores and parks, it is a good option to consider if you are a first-time buyer. This residential property has a capital appreciation of 10% and a rental yield of 7.5%. 

 Dubai South

Strategically located near Al Maktoum International Airport and Expo 2020, Dubai South offers a range of villas and apartments to suit different budgets. With a capital appreciation of 15% and a rental yield of 6.5%, it is a good choice for medium to long-term investments.

Business Bay

A high-demand location with residential and commercial investment opportunities, Business Bay’s capital appreciation is at 9% and rental yield is at 6%. Known as Dubai’s business district, it is a popular choice for professionals who like to live close to the action.

Dubai Creek Harbour

An idyllic waterfront community offering a mix of commercial and residential properties, Dubai Creek Harbour offers an elevated lifestyle with stunning views, luxurious amenities and great connectivity. With rising demand for water views, this property has a capital appreciation of 14% and a rental yield of 5.5%.

Get expert guidance from Bonum Realty

Irrespective of what kind of property you are looking for and what you hope to get out of it, having a licensed real estate agent who can help you navigate all that Dubai has to offer can really help make the whole process easier. 

At Bonum Realty, we not only help our clients secure their dream property but also provide additional support services, including assistance with residence visas and setting up a local bank account, to ensure a seamless experience while moving to Dubai. We also support investors with rental services after sales to ensure a seamless experience from start to finish. 

All our agents are licensed and well-experienced with Dubai’s real estate offerings. By choosing to work with us, you are not only getting real estate experts with access to Dubai’s prime projects, but an on-ground support team who is there to guide you each step of the way. Contact us to schedule a free consultation today.