Dubai’s real estate market has reached a significant milestone with the First-Time Home Buyer (FTHB) Programme successfully enabling over 2,000 residents to purchase their first homes within just six months of its launch. According to the latest figures from the Dubai Land Department (DLD), the initiative has generated more than AED 3.25 billion in residential property sales, marking a transformative shift in the emirate’s approach to home ownership accessibility.
Record-Breaking Success in Dubai’s Real Estate Landscape
Launched in July 2025 through a joint effort by the Dubai Department of Economy and Tourism (DET) and DLD, the First-Time Home Buyer Programme represents one of the most ambitious residential initiatives in the region. The program’s remarkable performance demonstrates Dubai’s commitment to transforming long-term renters into proud homeowners while supporting the goals of the Dubai Economic Agenda D33, which aims to double the city’s economy by 2033.
The programme has received exceptional response, with more than 41,000 residents registering since its inception. What’s particularly noteworthy is that 49% of property purchases were made by residents who have lived in Dubai for more than five years without previously owning a home, highlighting the program’s effectiveness in helping established community members build long-term roots in the city.
Understanding the First-Time Home Buyer Programme
The FTHB Programme brings together government partners, leading real estate developers, and financial institutions to offer first-time buyers a comprehensive package of benefits designed to make home ownership more accessible and financially achievable.
Key Programme Benefits
Priority Access to New Launches Registered buyers receive early access to newly launched residential units before they become available to the general public. This exclusive advantage means first-time buyers can select from the best available units without competing against investors and speculators.
Preferential Pricing Participating developers offer special pricing and enhanced commercial terms on properties valued up to AED 5 million, making quality homes more affordable for first-time buyers across various income levels.
Tailored Mortgage Solutions Five participating banks – Emirates NBD, Emirates Islamic, Dubai Islamic Bank, Mashreq Bank, and Commercial Bank of Dubai, provide customized mortgage products featuring competitive interest rates, reduced fees, and expedited approval processes specifically designed for first-time buyers.
Flexible Payment Options Registered buyers can benefit from flexible payment plans, including the ability to split DLD registration fees across eligible credit cards with zero-interest installment plans.
Who Qualifies for the Programme?
The First-Time Home Buyer Programme maintains inclusive eligibility criteria designed to support residents of all nationalities:
- Age Requirement: Applicants must be 18 years or older
- Residency Status: Must be a UAE resident holding a valid residency visa (available to Emiratis and expatriates)
- Property Ownership: Must not currently own or have previously owned any freehold residential property in Dubai
- Property Value: The property being purchased must be valued under AED 5 million
Importantly, if you own property in a non-freehold location, you may still be eligible to participate in the programme.
How to Register for the First-Time Home Buyer Programme
The registration process has been streamlined for maximum convenience:
- Visit the Official Portal: Access the Dubai Land Department website or download the Dubai REST mobile app
- Submit Your Information: Provide your Emirates ID details and passport number (you can also use UAE Pass for registration)
- Receive Your QR Code: If eligible, you’ll receive a confirmation email containing your unique First-Time Home Buyer QR code
- Access Exclusive Benefits: Use your QR code when meeting with participating developers and banks to unlock all programme benefits
Your QR code remains valid until you successfully purchase and register a property with the Dubai Land Department. There are no additional fees to apply or participate in the programme.
Participating Developers and Financial Partners
The First-Time Home Buyer Programme features partnerships with Dubai’s most prestigious real estate developers, including:
- Emaar Properties
- Nakheel
- Azizi Developments
- DAMAC Properties
- Binghatti Holding
- Dubai Properties
- Ellington Properties
- Meraas
- Wasl
- Danube Properties
- Majid Al Futtaim Group
- Palma Holding
- Beyond Developments
These partnerships ensure first-time buyers have access to a diverse portfolio of properties across Dubai’s most sought-after communities, from affordable apartments to family townhouses in established neighborhoods.
Market Impact and Economic Significance
The programme supports the Dubai Economic Agenda D33, reflecting the government’s commitment to strengthening investor confidence and accelerating the real estate sector’s contribution to Dubai’s economy. By fostering social cohesion and supporting talent retention, the initiative stimulates long-term demand while reinforcing Dubai’s position as a global model for sustainable urban development.
Hadi Badri, CEO of the Dubai Economic Development Corporation (DEDC), emphasized that the initiative unites government, developers, and financial institutions to turn homeownership into reality for thousands, strengthening investor confidence.
Real Stories from First-Time Homeowners
The programme has already transformed lives across Dubai. Fatma Almarri, one of the early beneficiaries, shared: “Owning a home felt distant, especially on a single income. This Programme made the process simpler and more achievable”.
Another resident, Jade Lee, described her experience: “Growing up in a family where homeownership was not common, I watched my parents move from one rental to another. Thanks to this Programme, I now have stability.”
Why Now Is the Perfect Time to Buy Your First Home in Dubai
With rising rental costs across the emirate, the First-Time Home Buyer Programme offers a timely opportunity to transition from renting to owning. By building equity through property ownership rather than paying rent, residents can secure their financial future while establishing permanent roots in one of the world’s most dynamic cities.
The programme aligns with the Dubai 2040 Urban Master Plan, which aims to increase residential supply in key locations, enhance affordability, and encourage long-term residency. This isn’t just about buying a property, it’s about becoming part of Dubai’s future growth story.
Navigate Your First Home Purchase with DMAXX Properties
At DMAXX Properties, we understand that purchasing your first home represents one of life’s most significant financial decisions. Our experienced team specializes in guiding first-time buyers through every step of the home ownership journey, from initial registration to final property handover.
Why Choose DMAXX Properties?
Expert Market Knowledge Headquartered in Downtown Dubai, DMAXX Properties brings deep market insight and comprehensive understanding of Dubai’s real estate landscape. Our team stays current with the latest market trends, pricing dynamics, and emerging opportunities to ensure you make informed decisions.
Personalized Service Excellence We believe in providing each client with dedicated attention, expert guidance, and seamless transactions. Our client-centric approach means we take time to understand your unique requirements, financial situation, and lifestyle preferences to match you with the perfect property.
Comprehensive Support From helping you navigate the First-Time Home Buyer Programme registration to securing mortgage pre-approval and identifying properties that meet your criteria, DMAXX Properties offers end-to-end support throughout your home buying journey.
Access to Exclusive Opportunities As a trusted partner with leading developers across Dubai, DMAXX Properties can provide access to exclusive launches, special pricing, and off-market opportunities that align with the First-Time Home Buyer Programme benefits.
Quality Assurance Quality is at the core of everything we do. Whether you’re considering off-plan developments or ready-to-move-in properties, our steadfast dedication guarantees reliability and expertise in every aspect of your investment decision.
Our Commitment to Your Success
At DMAXX Properties, we don’t just facilitate transactions, we build lasting relationships. Our mantra is simple: we take care of our customers. We bring positive energy and enthusiasm to everything we do, ensuring your first home purchase experience is rewarding and stress-free.
Our innovative approach redefines industry standards, offering a network of unparalleled opportunities. We go above and beyond to exceed expectations by assisting clients in making informed decisions within Dubai’s ever-changing real estate landscape.
