Step 1

GET FINANCIALLY PREPARED

• Before you begin your property search, it's important to know your numbers — and we’ll help you calculate the exact required costs so you can plan with confidence.

• For mortgage buyer, you need a minimum of 20% down payment.

• Total upfront cost – Including the 4% DLD transfer fee, 2% agency commission, trustee office fees, bank charges, and valuation fees, the total cash requirement typically ranges from 26% to 28% of the property value (including down payment).

• Mortgage interest – Typically 3–5%, depending on the bank and repayment term. Mortgages in the UAE can go up to 25 years.

• If you’re planning to finance your purchase, we’ll connect you with a trusted mortgage advisor to help secure pre-approval. This confirms your loan eligibility (valid for 60 days) and gives you a stronger position when making an offer.
   

Step 2

FOCUS YOUR SEARCH & MAKE AN OFFER

• With your finances in place, we help you narrow down the right communities and properties that best match your lifestyle or investment goals.

• We provide tailored recommendations based on market knowledge, rental yields, future growth, and off-plan vs. ready options.

• You’ll get access to both on- and off-market listings, and we’ll handle all scheduling and viewings — making sure your time is spent only on the most relevant properties.

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When you find the right home:

• We submit your written offer, including passport/Emirates ID copies and a 10% deposit cheque (held, not cashed).

• Once accepted, we prepare the MOU (Form F) for both parties to sign.

• The 10% deposit is handed over but remains uncashed until the final transfer.

• The seller will also apply for a No Objection Certificate (NOC) from the developer, confirming that all service charges are cleared and there are no unapproved changes to the property.
   

Step 3

MORTGAGE, SELLER CLEARANCE & NOC
If you're buying with a mortgage:

• Your bank conducts a valuation of the property.

• Once approved, you’ll receive the Final Offer Letter (FOL) confirming your loan terms.

• If the seller has a mortgage, their bank issues a liability letter, and your bank will settle it directly.

• We coordinate between your bank, the seller, and the developer to ensure a smooth and timely process all the way to transfer.
   

Step 4

TRANSFER OF OWNERSHIP

• Once the NOC is issued, we arrange your meeting at a DLD-approved trustee office.

• You provide manager’s cheques for the purchase amount, DLD fees, and other charges.

• The title deed is officially transferred to your name.

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Costs at this stage (typically paid by buyer):

• DLD fee – 4% of purchase price

• Trustee office fee:

• AED 2,100 + VAT – for properties under AED 500,000

• AED 4,200 + VAT – for properties above AED 500,000

• AED 5,250 + VAT – for corporate entity transactions

• Agency commission – 2% of purchase price (or as agreed)
   

Step 5

HANDOVER & NEXT STEPS

• Once the seller cashes their manager’s cheque and the title deed is in your name — the keys are yours.

• Set up utilities such as DEWA, internet, and cooling to get your new home ready.

• If you're an investor, we can help you rent out the property or resell it in the future — giving you ongoing support well beyond the handover.