Dubai’s first-time home buyer program: How Dubai is making homeownership more accessible than ever.

Buying your first home in Dubai? It just got a whole lot easier!

Recently, the Dubai Land Department (DLD), in partnership with Dubai Economy and Tourism (DET), officially launched the First-Time Home Buyer (FTHB) Program in the Dubai real estate market.

This is a city-backed initiative aimed at empowering long-term residents and first-time buyers to step into homeownership with more support and less hassle.

Let’s break down exactly how it works, what it offers, and why this is a game-changer for both buyers and brokers.

What Is the First-Time Home Buyer Program?

The First-Time Home Buyer (FTHB) Program is a practical solution designed to help more people own homes in Dubai, while creating new opportunities for real estate brokers to work closely with a fresh segment of buyers. It gives first-time buyers:

• Priority access to select properties
• Exclusive incentives like preferential pricing
• Improved mortgage deals and reduced fees

Real estate brokers play a key role here. Brokers will be fully integrated into the process with dedicated tools to verify buyer eligibility, register clients, and manage the entire purchase journey while retaining full control of their leads.

Why Was This Program Created?

Dubai’s property market has always been attractive to investors and to those who are currently renting in Dubai, but this time, the focus is different. The FTHB Program is designed to:

• Expand access to homeownership for Dubai residents
• Support long-term community growth
• Create real pathways for people who want to settle in Dubai, not just invest in it

This shift is part of a larger government push to make Dubai not just a global investment hub but also a place where residents can build their lives long-term.

What Does the Program Offer?

Here’s what first-time buyers and brokers can actually get from the program:

For Buyers:

• Priority Access
  Buyers get first pick of select projects from 13 of Dubai’s top developers.
• Preferential Pricing
  Eligible units come with exclusive pricing and limited-time incentives.
• Flexible Payment for DLD Fees
  Buyers can split their DLD registration fees into interest-free instalments using participating banks’ credit cards.
• Lower Mortgage Costs
  Special mortgage rates and reduced processing fees are available through five leading partner banks.

How Does It Work?

Participating brokers will use a streamlined platform to manage their first-time buyer clients. Here’s the process:

1. Validate Eligibility: Check if your client qualifies using their Emirates ID.
2. Register Clients: Use UAE Pass to sign them up for the program.
3. Generate QR Codes: This code will be used by developers and banks to quickly verify the buyer’s eligibility.
4. Guide the Purchase: Support your client through the entire journey, from property selection to securing a mortgage.
5. Keep Your Leads: All client information stays with you — the broker — ensuring you fully control the relationship.

Why This Matters?

This program brings access to:

• Lower barriers to entry for homeownership.
• Support long-term Dubai residents who are ready to invest in their own homes.
• Equip brokers with real tools to grow their networks and help buyers through one of the most important purchases of their lives.

So,If you’re a first-time buyer in Dubai, this is your window.
If you’re a real estate broker, this is your opportunity to build a whole new pipeline of clients.

If you’d like to know more, reach out to our team of experts or start browsing your first investment with us – take a look at our properties for sale in Dubai.