Buyer Guide - Haven Hues

Buyer’s Guide: Your 10-Step Journey to Owning a Home in Dubai

Welcome to Dubai—an iconic city known for its world-class lifestyle, architectural wonders, and year-round sunshine. Whether you’re an expat relocating for opportunity or someone seeking a luxurious change of pace, buying a home here is a dream within reach.

At HAVENHUES REAL ESTATE L.L.C, our goal is to make that dream smooth, secure, and successful. Here’s our 10-step guide to help you navigate the buying process with confidence—backed by expert insights from our local property professionals.

Step 1

Organize Your Finances

Start with a clear budget. Account for:

2% agency commission
4% transfer fee (payable to the Dubai Land Department)
25% minimum down payment (if purchasing with a mortgage)
Mortgage interest rates range from 3–8%, and may fluctuate with changes in the U.S. Federal Reserve rate (as the AED is pegged to USD).

Step 2

Check Your Mortgage Eligibility

Before you begin viewing properties, consult a mortgage advisor to:

Assess your eligibility
Explore financing options
Secure pre-approval to speed up your offer

Step 3

Choose the Right Location

Dubai offers a wide variety of communities. From beachfront villas to urban high-rises, your location impacts lifestyle and long-term value. Use our area guides or speak with our Sales Specialists for personalized recommendations.

Step 4

Define Your Property Needs

Narrow your search by identifying key preferences:

Number of bedrooms
Type of property (apartment, townhouse, villa)
Community facilities (gym, concierge, pool, etc.)

This will help you focus your time on viewing properties that truly fit your vision.

Step 5

Work with a RERA-Qualified Broker

Dubai’s real estate market is regulated. Make sure your journey is handled by a RERA-licensed broker who can guide negotiations, protect your interests, and simplify the entire process.

Our team of certified professionals at HAVENHUES is here to help.

Step 6

Make an Offer

Once you’ve found the perfect home, your broker will submit a formal offer on your behalf. They'll work to negotiate the best possible terms with the seller.

Step 7

Secure the Deal

If your offer is accepted:

You’ll sign a Memorandum of Understanding (MOU) outlining purchase terms.
Submit a 10% deposit (paid to the agency, not the seller).
Provide a PDC (post-dated cheque) for the commission.
Submit a copy of your passport.

Step 8

Review the Sales Agreement

Carefully review the Sales Agreement. This is a legally binding document, so ensure you understand and are comfortable with all terms. Your broker can help clarify any areas.

Step 9

Apply for the NOC

Your broker will apply for the No Objection Certificate (NOC) from the developer. This verifies the seller has no outstanding debts or service charges on the property. The process typically takes up to 7 working days.

Step 10

Finalize Your Purchase

Time to make it official!

Attend the Dubai Land Department to transfer ownership and register your name on the Title Deed.
Pay the 4% transfer fee and a small admin fee (max AED 4,000).

Congratulations—you’re now a homeowner in Dubai!

Ready to Begin?

Whether you’re just exploring or ready to purchase, HAVENHUES REAL ESTATE is here to guide you with care, clarity, and commitment. Contact us today and take the first step toward your new beginning in Dubai.