DLD Launches Programme for First-Time Home Buyers in Dubai

Buying your first home in Dubai just got easier. The First-Time Home Buyer Programme, launched by the Dubai Land Department (DLD) and the Dubai Department of Economy and Tourism (DET), will now allow residents to buy a property in Dubai. From early access to new property launches to flexible payment options and competitive mortgage deals, this initiative makes homeownership in Dubai more accessible than ever. 

What is the Dubai First-Time Home Buyer Programme?

The First-Time Home Buyer Programme in Dubai was introduced in July 2025 by the Dubai Land Department (DLD) and the Department of Economy and Tourism (DET). It aims to support first-time buyers who want to buy properties for sale in Dubai without the usual challenges of high upfront costs and limited mortgage options.

Eligibility criteria:

• Open to UAE residents (both Emiratis and expats).
• Must be 18 years or older.
• Cannot already own a freehold property in Dubai.
• Property value must not exceed AED 5 million.

Applications can be submitted through the Dubai REST app or directly on the DLD website. Once approved, buyers receive a digital QR code to access all program benefits.

Benefits of the First-Time Home Buyer Programme

Looking to buy apartments for sale in Dubai? This new scheme offers a wide range of benefits to make your property hunt easier and more affordable. By registering for the program, eligible buyers enjoy:

• Early access to new launches from top developers.
• Discounted prices on select off-plan properties.
• Relaxed payment plans for Dubai Land Department (DLD) registration fees via credit cards, with interest-free installments.
• Competitive mortgage offers with lower interest rates and special fee structures from partner banks.
• Exclusive offers from participating developers and banks. 

Developers and Banks Supporting the Programme

Some of Dubai’s biggest real estate developers are part of this initiative, including:

• EMAAR
• DAMAC Properties
• Danube Properties
• Azizi Developments
• Binghatti Properties
• Ellington Properties
• Dubai Properties
• Nakheel Properties
• Majid Al Futtaim
• Meraas
• Wasl

Eligible buyers also benefit from financing options through the partnering banks:

• Commercial Bank of Dubai (CBD)
• Dubai Islamic Bank (DIB)
• Emirates NBD
• Emirates Islamic
• Mashreq Bank

How to Apply for the Program?

Planning to buy villas for sale in Dubai and interested in applying for the First-Time Home Buyer program.Here’s a quick and easy step-by-step guide:

1. Register on the Dubai Land Department (DLD) website or the Dubai REST app.
2. Submit documents proving your eligibility (ID, residency, income, etc.).
3. If approved, you will receive a first-time home buyer QR code by email.
4. Use this QR code with participating developers and banks to unlock all program benefits.

Why Now is the Right Time to Buy

Dubai’s population is growing rapidly, and according to the data, it reached 3.95 million by June 2025, up from 3.84 million in January. In 2024 alone, over 220,000 new residents moved to the city. This rising population highlights the need for more accessible homeownership opportunities, especially for first-time buyers.

The First-Time Home Buyer Programme also aligns with Dubai’s 2040 Urban Master Plan, which aims to improve key areas like Deira, Bur Dubai, Downtown, Business Bay, Dubai Marina, and JBR. The plan focuses on:

• Expanding affordable housing
• Supporting sustainable development
• Increasing green spaces to enhance the quality of life

This means that buying a home now not only makes financial sense but also positions residents in communities designed for long-term comfort and growth.

Take the First Step to Owning in Dubai

For many expats, owning property in Dubai has historically been a distant dream. People would often live in the city for a few years, save money, and then return home to buy property elsewhere.

Now, with the launch of this Programme, first-time buyers finally have a real chance to own a home in Dubai. With priority access to new launches, flexible payment plans, mortgage support, and even residency options, stepping onto the property ladder has never been easier.

If you’re tired of endless broker calls and confusing property listings, Xploon.com  is your solution. As the UAE’s 1st real estate portal that connects buyers directly with developers, Xploon offers verified listings, where you can compare properties side by side, search near landmarks like schools, malls, or offices, and even check travel times to plan your daily routine. With Xploon, first-time buyers can enjoy a property search that is safe, simple, and completely stress-free.

FAQs

1. What happens if I’m not eligible?
If you don’t qualify, DLD will inform you of the reason. You can reapply once your circumstances change.

2. Are there extra fees?
No, there are no additional charges for joining the programme. Standard DLD, developer, and bank fees still apply unless covered under special offers.

3. How long is my QR code valid?
Your QR code remains valid until you purchase and register a property through DLD.

4. How can I benefit from mortgage options in the programme?
Once you’re registered and confirmed as eligible, you can contact any of the participating banks to explore their special mortgage offers for first-time buyers.

5. What if I register but don’t find a property I like?
Your registration stays valid. You will continue to receive priority updates about new launches during the programme period.

6. Can I buy a property jointly with someone who isn’t eligible?
No. Joint purchases are only allowed if both buyers meet the eligibility requirements of the programme.

7. Can I work with more than one bank or developer?
Yes, you can approach any participating bank or developer to compare offers. However, the programme benefits can only be applied with one bank and one developer.