Dubai’s First-Time Home Buyer Programme helps eligible residents explore a first home purchase. This guide explains the official starting point and a practical way to compare offers. Information checked on 13 November 2026.
Who can apply?
The DLD programme overview lists UAE residency, age 18 or above, no current freehold residential property in Dubai, and a property valued below AED 5 million among its criteria. Apply through the DLD website or Dubai REST. Eligible applicants receive a confirmation email with a programme QR code.
What does the programme offer?
The official July 2025 launch announcement describes priority access to participating developers’ launches, preferential pricing and tailored mortgage products. An individual property, developer or bank offer still needs to be checked.
How should I compare options?
- Start with a home you would actually use: location, layout, space and travel needs.
- Request the complete written offer, including price, charges, dates and inclusions.
- Compare the same property with and without a programme benefit where an offer permits a meaningful comparison.
- Ask a participating bank to explain affordability, repayments and all financing conditions. Programme registration should not be treated as a loan approval.
- Check the project documents and arrange a viewing where possible.
Questions to ask before committing
Which benefit applies to this exact unit? How long is the offer valid? What is payable now and later? Which charges are excluded? Who confirms the final terms? Keep the written answers alongside the offer.
Does this guarantee a suitable home or an investment return?
No. A programme benefit is one part of a purchase decision. Compare the property, total costs and your own requirements; neither a discount nor a financing offer establishes future rental income or resale value.
Build a property shortlist
Explore Dubai homes for sale, compare areas and developers, then contact OverSort on WhatsApp with your budget and timeline. Confirm eligibility and programme terms directly with DLD and the participating partners.
