Dubai’s Property Market: A Shift Towards First-Time Buyers

Dubai’s property market has long been known for rapid growth, investor demand, and off-plan launches selling out in hours. As we move through 2025, prices remain strong and launches continue to attract global attention. But a new initiative from the Dubai Land Department (DLD) is reshaping the market — the First-Time Home Buyer Programme.

This programme is designed to make homeownership more accessible for residents, lowering financial barriers and giving them a fair shot in a market often dominated by cash-rich investors.

1. Lower Upfront Costs

Traditionally, hefty registration and transfer fees were among the biggest hurdles for new buyers. Under the new scheme, qualifying first-time buyers benefit from waived or reduced registration fees and flexible payment options for the standard 4% DLD fee.

Some developers are even tailoring launch pricing to align with the programme. Industry experts say these savings significantly lower the entry barrier to homeownership.

2. Friendlier Mortgages & Flexible Payment Plans

The programme is supported by banks offering lower down payments, longer loan tenures, and competitive mortgage rates. Developers are also matching payment schedules with construction timelines, making the process easier on buyers’ finances.

This gives residents the confidence to purchase without stretching themselves too thin.

3. Priority Access in a Competitive Market

In a city where the best units often sell out within hours, the programme’s early access to new launches can make all the difference. First-time buyers get priority before international investors rush in, giving them a real chance at securing prime homes.

4. Homes Designed for End-Users

With more resident buyers in the market, developers are expected to shift focus from short-term flipping to long-term living. This could mean more sustainable communities, family-friendly layouts, and pricing that reflects end-user needs rather than purely investor demand.

5. A More Stable, Owner-Led Market

By encouraging residents to buy and stay in Dubai, the initiative contributes to a more balanced and sustainable property market. Together with long-term incentives like the Golden Visa for properties valued at Dh2 million or more, the programme signals a shift towards stability and owner-led growth.

Conclusion

For first-time buyers, Dubai’s new initiative is a game-changer:

• Lower entry costs

• Better mortgage options

• Priority access to launches

• Homes tailored for real living

For the market, it means sustainable communities, steadier growth, and long-term confidence.

Dubai is not just attracting investors anymore — it’s empowering residents to become homeowners and build their future in the city.