Dubai continues to be a favourite among expats seeking a luxurious lifestyle, financial stability, and strong investment opportunities. Whether you already reside in the UAE or are considering a second home abroad, buying a property in Dubai can be a rewarding decision, both personally and financially.
From attractive neighbourhoods to favourable laws for foreign ownership, this guide covers the essentials for purchasing a second home in the city as an expatriate.
Why Dubai?
Dubai stands out as a global hub with its cutting-edge infrastructure, tax-free income, and high standard of living. For expats, owning a second home here offers flexibility—whether for seasonal stays, retirement planning, or generating rental income.
The Dubai real estate market is known for its transparency, security, and wide variety of options to suit various budgets and lifestyles. The government’s proactive steps, including the introduction of long-term visas and clear freehold regulations, further enhance buyer confidence.
Who Can Buy Property?
Expats are allowed to purchase property in designated freehold zones across Dubai. These areas grant full ownership rights to foreign nationals, making it easier than ever to own a second home. Freehold properties allow buyers to lease, rent out, or sell the home at their discretion.
There is no need to hold UAE residency to buy property, although certain types of property ownership may qualify you for a long-term residence visa.
Choosing the Right Location
Location plays a key role in selecting your second home. For beach lovers, communities like Jumeirah Beach Residence or Palm Jumeirah offer scenic views and luxury amenities. If you’re looking for something closer to the city centre, Downtown Dubai or Business Bay may be ideal for convenience and lifestyle.
For those who prefer quieter surroundings, areas such as Dubai Hills Estate or Arabian Ranches provide spacious homes and family-friendly environments. Each area offers something unique, so it’s crucial to match your choice with your lifestyle preferences and goals.
Finding the Right Property Type
The choice of property largely depends on how you plan to use it. If you intend to visit periodically and lease it out during your absence, a low-maintenance apartment in Dubai could be a suitable option. Apartments are generally easier to upkeep and often include shared amenities such as swimming pools, gyms, and 24/7 security.
Alternatively, if you’re considering longer stays or prefer more room and seclusion, opting for a villa or townhouse might better suit your needs.
Financing Your Purchase
You can finance your second home either through savings or by taking a mortgage. UAE banks offer home loans to non-residents, although the eligibility criteria may differ from resident buyers. Most lenders require a minimum deposit of 20–25% for expats, and interest rates may vary depending on your financial profile.
It’s advisable to consult with a mortgage advisor or a local bank to understand your financing options and monthly repayment obligations.
Additional Costs to Consider
Besides the property price, be prepared for other costs such as:
- Dubai Land Department (DLD) fees – 4% of the property value
- Agency commissions – Usually around 2%
- Service charges – Annual maintenance fees based on the size of your property
- Registration and legal fees – These can vary depending on the transaction
Budgeting for these costs in advance ensures a smoother buying process and avoids surprises down the line.
Final Thoughts
Buying a second home in Dubai as an expat is a smart move for those looking to diversify their assets, enjoy luxury living, or earn rental income. With proper planning, legal guidance, and clear financial goals, your second home in Dubai can become both a personal retreat and a sound investment.
Whether you’re eyeing a beachfront villa or a modern apartment in Dubai, the city offers endless possibilities to suit every lifestyle and ambition.
