First-Time Home Buyer Advice

Buying your first home is exciting — and a little daunting. Here's what every first-time buyer in the UAE should know.

Save for more than the deposit

Beyond your 20% down payment, budget for around 6–7% in fees: DLD transfer (4%), agency commission (2%), mortgage registration and valuation.

Fixed rates give you predictable payments for an initial period; variable rates move with the market. We'll explain which suits your situation.

Borrow what's comfortable, not the absolute maximum a bank offers. Leaving headroom protects you against rate rises and life changes.

Our advice costs you nothing; we're paid by the lender. You get expert guidance and access to better rates at no extra cost.

This article is for general guidance only and isn't financial advice. For a recommendation tailored to your situation, speak to an Xperts advisor.