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The First-Time Home Buyer Programme is an initiative designed to make homeownership more accessible in Dubai. The programme offers priority access to new property launches, preferential prices on new units sales by select developers, and tailored home financing options, in partnership with top developers, real estate brokers, and banks.

To qualify, applicants must meet the following criteria:

• Must be a resident (of any nationality) in the United Arab Emirates.
• Must not currently own any freehold residential property in Dubai.
• Must be 18 years or older.
• Seeks a property which is below AED 5 million in value.

Eligible buyers will receive:

• 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 Dubai Land Department (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.

• Register via the DLD website or the Dubai REST app and submit the required information
• If eligible, you will receive a confirmation email from DLD containing your First-Time Home Buyer QR code
• Use your QR code to access programme benefits through participating developers and banks

If you are not eligible at the time of application, DLD will notify you of the reason. You may reapply if your circumstances change and you subsequently meet all eligibility criteria.

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.

The First-Time Home Buyer QR code will remain valid until a property has been purchased and registered with DLD by the buyer.

• Azizi Developments
• Binghatti Properties
• Beyond Developments
• DAMAC Properties
• Danube Properties
• Dubai Properties
• Ellington Properties
• EMAAR
• Majid Al Futtaim
• Meraas
• Nakheel Properties
• Palma Holding
• Wasl

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

Yes, as long as you do not currently own any freehold property in Dubai

Yes, as long as you do not currently own any freehold property in Dubai

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

No – first-time home buyers seeking ready properties can benefit from preferential interest rates and faster approval processes with participating banks.

No, but special mortgage products with preferential interest rates and faster approval processes will be available to first-time buyers through participating banks.

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

Once registered and confirmed as an eligible buyer, you may reach out to participating banks directly to take advantage of the programme’s mortgage offerings.

Your registration will remain valid, and you will continue to receive priority notifications for new launches throughout the programme period.

No. Once you purchase a property under this programme, you will lose your First-Time Home Buyer status and will not be eligible to participate again, even if you later sell the property.

No. Joint property purchases are only permitted between individuals who are both eligible under the programme.

Yes. Once registered and eligible, you may 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