Buying property in Dubai as a UK citizen is simpler than most British buyers expect. There is no residency requirement, no restriction on foreign freehold ownership in designated zones, and the entire process can be completed remotely. Here is the journey, step by step.
Step 1: Define the brief
Be honest about purpose: lifestyle second home, pure investment, Golden Visa qualification, or a blend. Purpose determines district, product type and budget far more reliably than browsing portals. A lifestyle-led shortlist — the approach ACRE takes — saves months.
Step 2: Understand the costs
| Cost | Typical level (Dubai) |
|---|---|
| Dubai Land Department transfer fee | 4% of purchase price |
| Agency fee | Commonly 2% |
| Trustee / registration fees | Modest fixed fees |
| Annual service charges | Varies by building; verify before offer |
Step 3: Reserve and sign
For completed property: agree terms, sign the Memorandum of Understanding (Form F), and place a deposit — typically 10%. For off-plan: reserve the unit, sign the Sale and Purchase Agreement and register with Oqood. Both can be executed with electronic signatures and, where needed, a notarised power of attorney.
Step 4: Complete and register
- Completed: transfer at a DLD trustee office (or remotely); title deed issued.
- Off-plan: milestone payments per the plan; full title at handover.
- Mortgages: non-resident lending available, typically 50-60% LTV.
Step 5: Mind the UK side
UK tax residents should take independent advice on declaring overseas rental income, the UK-UAE double taxation position, and inheritance planning. The UAE charges no income or capital gains tax, but HMRC's view of your worldwide position is yours to manage properly.
ACRE guides UK buyers through every step, remotely or in person. See this month's opportunities, read the Dubai destination guide, or book a private consultation.