The First-Time Home Buyer Program in Dubai: What You Need to Know
The First-Time Home Buyer Program in Dubai: What You Need to Know
Buying your first home in Dubai is one of the most exciting milestones in life and it just became more accessible than ever. Thanks to the newly launched First-Time Home Buyer (FTHB) Programme, it’s now easier than ever for UAE residents to step onto the property ladder.
What Is the First-Time Home Buyer (FTHB) Programme?
The FTHB Programme was launched by the Dubai Land Department (DLD) and the Dubai Department of Economy and Tourism (DET), and is designed to empower UAE residents to own their first home. This move reflects Dubai’s commitment to long-term sustainability and quality of life. As the first government-backed initiative of its kind in Dubai, it offers meaningful, practical advantages for first-time buyers.
Who Can Apply?
To qualify, you must:
Be a UAE resident (citizen or expat)
Be over 18 years old
Be purchasing your first property in Dubai
Be buying a freehold residential unit valued under AED 5 million
That’s it! No minimum salary threshold has been announced, and the process has been streamlined to make homeownership accessible to more people.
What Are the Key Benefits?
This isn’t just another government incentive - it’s a fully integrated support system designed specifically for first-time buyers. From financial assistance to expert guidance, the programme is built to simplify your journey into property ownership and help you make confident, informed decisions every step of the way.
Here’s what you’ll gain access to:
1. Priority Access to Projects
The programme gives first-time buyers priority access and exclusive discounts on selected properties from 13 of Dubai’s leading developers, including Emaar, DAMAC, Meraas, Nakheel, Dubai Properties, Majid Al Futtaim, Sobha Realty, Ellington, Deyaar, Azizi, Binghatti, Samana, and Prescott.
2. Special Discounts
Enjoy exclusive pricing on select units, giving you more value for your money.
3. Reduced Mortgage Rates
Benefit from preferential interest rates and lower processing fees at five of the UAE’s major banks: Emirates NBD, ADCB, Dubai Islamic Bank, ADIB, and Mashreq - making monthly payments more affordable.
4. Interest-Free DLD Fees
Pay your Dubai Land Department registration fees in interest-free instalments using participating credit cards (such as those from Emirates NBD, ADCB, and Mashreq). This flexible payment option helps reduce your upfront costs significantly, making it easier to secure your new home without huge financial strain.
Expert Support, Every Step of the Way
As this is a brand-new programme, having a trusted broker by your side is more important than ever - someone who can guide you through the process and ensure you’re maximising your savings every step of the way. That’s where House Hunters comes in.
As a trusted, award-winning brokerage with over 20 years of experience in Dubai’s property market, we go beyond traditional real estate services. We’re here to make the First-Time Home Buyer Programme simple, stress-free, and successful - so you can focus on finding the perfect place to call home.
Here’s how we’ll support you every step of the way:
Eligibility Check – We’ll confirm your eligibility instantly using just your Emirates ID.
Registration Assistance – Get set up quickly and securely with our help using UAE Pass with our help.
Find Your Perfect Home – We’ll help you shortlist and secure the right property based on your needs and budget.
End-to-End Guidance – From finding the right home to arranging your mortgage, we’ll be with you every step.
Lead Protection – Your information stays confidential; we never share your details with developers.
Whether you're looking to buy a cozy apartment in Dubai Hills Estate, a townhouse in Arabian Ranches, or your dream villa in Damac Hills, this programme gives you a major advantage - and help you to make sure you turn that advantage into real results.
Your Window of Opportunity Just Opened
Dubai isn’t just a city of opportunity - it’s becoming a city of belonging. With every year, it grows more resident-friendly and the FTHB Programme is another step toward making Dubai a place to truly settle down and call home.
With the right support and broker by your side, homeownership has never been more achievable.
Ready to Own Your First Home in Dubai?
Don’t miss this incredible opportunity. Contact us today to learn how the FTHB Programme can work for you.
Book a personalised consultation with one of our expert agents to check your eligibility and take the first step toward owning your dream home.
Phone: +971502818286
Email: info@househuntersdubai.com
Address: F-01, Union Co-op Mall, Motor City, Dubai
Let’s make your dream of homeownership a reality - together.
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