Property Blog by Edwards and Towers

E&T’s Top Tips for a Smooth and Efficient Property Buying Process

Written by Molly Johannsen | Apr 21, 2025 5:38:55 AM

Buying your first home is an exciting milestone, but it can also feel overwhelming if you don’t know what to expect. The Dubai real estate market offers incredible opportunities, but navigating the process requires careful planning and informed decision-making. To help you avoid common pitfalls, Edwards & Towers has put together essential tips to make your home-buying journey seamless and stress-free.

1. Define Your Budget and Financing Options
Before you start searching for properties, it’s crucial to have a clear understanding of your budget. Consider the following:

  • Down Payment Requirements – UAE regulations require at least 20% down payment for expats and 15% for UAE nationals for properties under AED 5 million.
  • Mortgage Pre-Approval – If you need financing, getting pre-approved by a bank ensures you know how much you can borrow and prevents delays later.
  • Additional Costs – Factor in property transfer fees, agency commissions, maintenance charges, and service fees to avoid unexpected expenses.

2. Choose the Right Location
Location is key when buying a property. Consider:

  • Proximity to Work and Schools – Shorter commutes can significantly enhance your daily life.
  • Access to Amenities – Nearby supermarkets, healthcare facilities, parks, and entertainment hubs add value to your lifestyle.
  • Future Development Plans – Areas with upcoming infrastructure projects, metro expansions, or new commercial hubs can lead to better long-term appreciation.

3. Work with a Trusted Real Estate Agent
Having a knowledgeable RERA-licensed agent from a reputable firm like Edwards & Towers can save you time, effort, and potential legal complications. A trusted agent will:

  • Understand market trends and property valuations
  • Negotiate the best deal on your behalf
  • Ensure all paperwork and documentation are in order
  • Provide guidance on financing, legalities, and property selection

4. Verify Property Legitimacy
One of the biggest mistakes first-time buyers make is failing to verify a property's legal status. Protect yourself by:

  • Checking the title deed to confirm ownership.
  • Ensuring the property is free from disputes or unpaid service charges.
  • Verifying that off-plan properties are registered with Dubai Land Department (DLD) and that the developer has a strong track record.

5. Understand the Sales Agreement and Payment Terms
Once you’ve found the right home, review the Sales and Purchase Agreement (SPA) carefully. Pay close attention to:

  • Payment plan details and whether you’re buying in full or through a mortgage.
  • Transfer fees and agency commissions.
  • Handover dates and penalty clauses (for off-plan purchases).

A property lawyer or your real estate agent can help you navigate the terms to ensure you’re fully protected.

6. Conduct a Property Inspection
Photos and brochures can be misleading, so always visit the property in person. During inspections, check for:

  • Structural integrity and signs of wear and tear.
  • The condition of air conditioning, plumbing, and electrical systems.
  • Any outstanding maintenance issues that could lead to additional costs.

For off-plan purchases, research the developer’s reputation and past projects to assess delivery timelines and build quality.

7. Complete the Transfer Process with DLD
Once all agreements are finalized, you’ll need to complete the property transfer at the Dubai Land Department (DLD). The steps include:

  • Obtaining a No Objection Certificate (NOC) from the developer (for freehold properties).
  • Paying transfer fees and registration costs.
  • Submitting all required documents to process the title deed transfer.

This step is essential to ensuring legal ownership of your property.

8. Plan for Move-In and Ownership Responsibilities
Once the transaction is complete, consider the following:

  • Setting up DEWA (electricity and water) connections.
  • Understanding service charges and maintenance fees.
  • Securing home insurance for added protection.

Start Your Home-Buying Journey with Confidence
Purchasing your first home in Dubai doesn’t have to be complicated. By following these steps and working with a reputable agency like Edwards & Towers, you can ensure a smooth, stress-free experience.

If you’re ready to find your dream home, contact our expert team today—we’re here to guide you every step of the way!


Contact us: https://edwardsandtowers.com/contact-us   
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