If you’re considering entering the real estate market, Dubai has taken significant steps to facilitate home ownership for both Emiratis and expatriates.

Introduction to the First-Time Home Buyer Programme

Launched in July 2025, the First-Time Home Buyer Programme is a collaborative initiative of the Dubai Land Department and the Dubai Department of Economy and Tourism. This program aims to provide priority access to new property launches, preferential pricing, and customized mortgage options. Since its inception, it has empowered over 2,000 residents to acquire their first homes within a mere six months. Over 41,000 individuals have already registered to benefit from this groundbreaking scheme, making it a prominent feature of Dubai’s ambitious Real Estate Strategy 2033, which seeks to increase home ownership and significantly boost the sector’s contribution to the emirate’s GDP.

Developer Participation and Benefits

Several key developers are actively backing this initiative, including industry giants such as Emaar Properties, DAMAC, and Dubai Properties. These developers provide essential support for first-time buyers, offering priority access to off-plan projects and more favorable pricing terms for properties valued at up to AED 5 million. Additionally, the scheme includes the provision of specially tailored mortgage solutions aimed at simplifying payment processes for newcomers to the market. As the program evolves, it is expected to include more developers and offer a broader selection of housing options, reinforcing Dubai’s competitive edge in the real estate landscape while promoting family stability and inclusive growth.

Who Can Take Part?

The First-Time Home Buyer Programme is designed to accommodate a diverse range of applicants. It is open to residents of the UAE aged 18 and over, regardless of nationality or income level. To qualify, applicants must not currently own a freehold property in Dubai. Interested individuals can easily register online to join the initiative. This program was introduced as part of the UAE’s Year of Community in 2025, reflecting the nation’s commitment to nurturing a sense of community and belonging.

Participants have shared their experiences, highlighting the program’s transformative impact on their lives. Fatma Almarri, one of the successful buyers, expressed how the program has made home ownership more accessible and financially manageable for her as a single income earner. Similarly, Jade Lee described owning a home as a significant milestone, allowing her to build a foundation for her future—something she felt was out of reach growing up in a rental environment.

Long-term Implications and Community Impact

Helal Saeed Almarri, Director General of the Dubai Department of Economy and Tourism, noted that this program symbolizes an economic catalyst designed to stimulate real estate demand and promote liquidity. By making home ownership more attainable for both Emiratis and expatriates, the initiative aims to boost investor confidence and market absorption rates, thereby reinforcing Dubai’s global position as a prime location for investment. In a world where housing affordability presents challenges, Dubai’s model of sustainable urban development is intended to retain talent, foster community spirit, and enhance overall competitiveness as a living and investment destination.

In conclusion, the First-Time Home Buyer Programme marks a meaningful step towards creating a more inclusive real estate market in Dubai. It not only facilitates home ownership but also contributes to a thriving economy and vibrant community, affirming Dubai’s commitment to sustainable growth.