How First-Time Home Buyers and Golden Visa Investors Benefit in Dubai

Wednesday, 28 January 2026

Dubai’s property market continues to evolve, offering tailored pathways for different types of buyers. Today, two standout routes are shaping the city’s real estate landscape:

• The First-Time Home Buyer (FTHB) Programme – designed to support residents looking for affordable ownership with reduced upfront costs.
• The Property-Linked Golden Visa – ideal for investors seeking long-term residency and asset growth.

Each option serves a unique purpose, empowering buyers with meaningful financial advantages and lifestyle benefits.

Table of Contents

• Pathway 1: The First-Time Home Buyer Programme (FTHB)
• Pathway 2: Golden Visa Through Property Investment
• Who Benefits Most From Each Path?
• Frequently asked questions

Pathway 1: The First-Time Home Buyer Programme (FTHB)

Launched by the Dubai Land Department (DLD), the programme supports UAE residents aged 18+ who have never owned a freehold property in Dubai.

It applies to residential properties priced up to Dh5 million and is crafted for genuine end-users who plan to live in their new home.

Key Features & Costs

• DLD Transfer Fee (4%) – Dh60,000, payable in interest-free instalments. Some developers even offer full waivers.
• Developer Discounts – Up to 10% off on select projects.
• Agent Commission (2% + VAT) – Around Dh32,000.
• Registration & Title Deed Fees – Approx. Dh8,200.
• Minimum Down Payment – 15% (Dh225,000) with 85% loan-to-value mortgage.
• Mortgage Processing – Preferential rates through partner banks such as Emirates NBD, Dubai Islamic Bank, and Mashreq.
• Application Fee – None.

A one-year holding requirement ensures homes go to real residents who wish to enjoy long-term living.

Why Residents Love the FTHB Programme

• Lower initial costs
• Flexible DLD instalment payment options
• Attractive interest rates
• Easier path to homeownership

This makes the FTHB route one of the most supportive initiatives for residents ready to take their first step into Dubai’s property market.

Pathway 2: Golden Visa Through Property Investment

Dubai’s 10-year Golden Visa continues to attract global investors looking for long-term residency, stability, and strategic real estate growth.

Investors must buy property worth Dh2 million or more in approved freehold areas, with full equity confirmed (even if part of the amount is financed).

Key Property-Related Costs

For a Dh2 million property:

• DLD Transfer Fee (4%) – Dh80,000
• Agent Commission (2% + VAT) – Around Dh42,000
• Registration & Title Deed Fees – Approx. Dh8,200
• Mortgage Fees (if applicable)
  • 0.25% of loan amount + Dh290
  • Bank processing: 0.5%–1%

Visa-Related Costs

• Entry Permit / Application – Dh2,800–3,000
• Emirates ID (10-Year) – Dh1,150–1,200
• Medical Examination – Dh700–750
• Service/Typing Fees – Dh300–500
• Health Insurance – Dh500–2,000 per year (per person)

Total upfront investment: Approximately Dh2.136 million including all property and visa fees.

What Investors Gain

• A 10-year renewable residency
• No minimum stay requirement
• Sponsorship for family members
• Strong potential capital appreciation
• Ownership in top-tier freehold areas

This route is ideal for global investors seeking both lifestyle advantages and long-term financial growth.

Who Benefits Most From Each Path?

FTHB Programme Buyers

Perfect for:

• UAE residents
• End-users seeking a home
• Buyers looking for lower upfront costs
• Families planning long-term residence

Golden Visa Property Investors

Ideal for:

• Global citizens relocating to Dubai
• Professionals seeking long-term residency
• Investors focused on capital appreciation
• Individuals looking to secure a 10-year visa

Both pathways uplift Dubai’s real estate landscape—one strengthens homeownership among residents, while the other boosts international investment and long-term economic development.