Dubai: If Dubai feels like home to you, it might be time to put down roots by buying your first home in the city. It’s easier than you think, thanks to Dubai’s First-Time Home Buyer Programme.

This initiative has been designed to make home ownership more accessible to UAE residents. We break down everything you need to know about the programme and how to apply for it.

What is Dubai’s First-Time Home Buyer Programme?

The First-Time Home Buyer Programme is an initiative by the Dubai Land Department (DLD) and the Department of Economy and Tourism (DET), in collaboration with a host of property developers, brokerages and leading banks in the UAE, with the aim of supporting individuals looking to purchase their first house in Dubai. The Programme offers a range of exclusive benefits that make it easier for buyers to enter the property ownership market.

Since its launch in July 2025, it has enabled more than 3,200 residents to own their first homes in the emirate, generating residential property transactions exceeding Dh5 billion.

What benefits do first-time buyers receive?

According to the DLD, the Programme’s benefits include:

  • Priority access to units in new launches from participating developers.
  • Preferential prices for off-plan units by select developers.
  • Flexible payment plans for off-plan units.
  • Relaxed payment plans for DLD registration fees through eligible credit cards, with interest-free instalment plans.
  • Improved access to home financing with better interest rates and preferential fees from participating banks.
  • Additional benefits by developers and banks.

Who are the partner property developers for the Programme?

The First-Time Home Buyer Programme offers a variety of options for those seeking off-plan properties with participating developers, and for ready properties with participating banks.

This year, nine new developers joined the Programme as part of its latest phase, through new strategic agreements, creating further access for homeownership for residents, across Dubai. Their expanded participation is in line with the Dubai Economic Agenda, D33, which aims to double Dubai's economy and further consolidate its position as a leading global destination for talent. These developers are also supporting the Dubai Real Estate Strategy 2033's objective to raise homeownership rates and double the sector's contribution to Dubai's GDP.

There are currently 22 property developers partnering with the DLD and DET for this Programme:

  • Azizi Developments
  • Binghatti Properties
  • Beyond Developments
  • DAMAC Properties
  • Danube Properties
  • Dubai Properties
  • Ellington Properties
  • Dubai World Trade Centre
  • EMAAR
  • Majid Al Futtaim
  • Meraas
  • Nakheel Properties
  • Palma Holding
  • Wasl
  • SKY VIEW
  • SAMANA
  • Reportage
  • QUBE
  • MANAM
  • IRTH
  • ARADA
  • 4Direction Developments

Once your registration is successfully completed, your selected developers will contact you ahead of each real estate project launch.

Who are the partner banks for the Programme?

Participating banks are offering special mortgage products, with preferential interest rates and fast approval processes, as part of the Programme. Once you have registered and been confirmed as an eligible buyer, you can reach out to the participating banks below directly, to take advantage of the Programme’s offerings.

The following banks are collaborating with DLD and DET for this initiative:

  • Commercial Bank of Dubai
  • Dubai Islamic Bank
  • Emirates NBD
  • Emirates Islamic
  • Mashreq Bank

What are the eligibility criteria?

To qualify, applicants must meet the following criteria:

  • They must be a resident (of any nationality) in the UAE.
  • They must not currently own any freehold residential property in Dubai.
  • They must be 18 years or older.
  • They must seek a property, which is below Dh5 million in value.

Things to consider

There are a few items to consider before ensuring you’re ready to register for the Programme:

  • This Programme is designed for first-time home buyers only. If you purchase a property through this programme, you will not be eligible to participate again, even if you sell the property later, according to the DLD.
  • If you already own a freehold property in Dubai, you cannot take part in this Programme. But if you own property in a non-freehold location in Dubai, or a property in another emirate, you will be eligible to participate.
  • Joint property purchases are permitted between individuals who are both eligible under the Programme. If one of the two participants is not eligible, you will not be able to proceed with a joint purchase.
  • If you register for the Programme but do not find a property you like, you can take your time searching for your dream home. Your registration will remain valid, and you will continue to receive priority notifications for new launches throughout the programme period.
  • Once registered and eligible, you can approach any of the participating banks or developers. Offers may vary between partners. But the benefits can be availed only with one partner real estate developer and with only one participating bank.
  • If you are not eligible at the time of application, the DLD will notify you of the reason. You can reapply if your circumstances change and you subsequently meet all eligibility criteria.

How do I apply?

Follow these steps to apply for the First-Time Home Buyer Programme:

  • To register, visit the DLD website (dubailand.gov.ae) or the Dubai REST app, which is available via Apple App Store and Google Play Store. Log in with your UAE PASS.
  • On the website or the app, navigate to ‘First-Time Home Buyer’. Select ‘Access this Service’.
  • Submit the required information, including your Emirates ID and passport details.
  • If eligible, you will receive a confirmation email from DLD, containing your First-Time Home Buyer QR code. This is the code you will need to access programme benefits through participating developers and banks.
  • Once your registration is successful, participating developers will contact you ahead of each real estate project launch.
  • When you’re ready to purchase a property, you can reach out to participating banks directly, to discuss and finalise mortgage offerings or other services.
  • Scan the QR code when meeting with a developer or bank to confirm your purchase and avail of the benefits. The QR code will remain valid until a property has been purchased and registered with DLD by the buyer.

Is there a fee for registration?

According to the DLD, there are no additional fees to apply or participate in the Programme. Standard DLD registration fees and any developer or bank charges still apply, unless otherwise specified under special programme offers.