The price on a listing is rarely the full cost of buying property in Dubai. Registration fees, agency fees, mortgage costs and ongoing service charges all need a place in your budget. This guide lists the main costs so you can plan with confidence and avoid surprises.
The purchase price
Your starting point is the agreed price of the property. For off-plan purchases, the price is paid in instalments according to the payment plan. For ready properties, you normally pay a deposit when you sign the contract and the balance at transfer.
Dubai Land Department fees
The Dubai Land Department (DLD) charges a transfer fee on property sales. It is typically 4% of the purchase price, with additional administrative charges. Off-plan purchases also have registration costs when the sale is recorded. Always ask for the exact figures for your purchase in writing, because charges can change.
Agency commission
Agents are usually paid a commission on the sale. It is commonly around 2% of the price, plus VAT, but it depends on the agreement. Make sure you know who pays it and what it covers before you sign.
Mortgage costs
If you finance your purchase, expect extra costs such as a bank arrangement fee, a property valuation fee, mortgage registration charges and possibly life or property insurance. Down payment requirements and rates differ by bank, residency status and property value. Our mortgage and loans service compares options with UAE banks and helps collect documents.
Trustee office and other transaction fees
Resale transfers are completed at a DLD-registered trustee office, which charges a fee. There may also be fees for a developer clearance or no-objection certificate (NOC) and for issuing the title deed. These are modest compared with the main costs but should still be in your budget.
Legal and conveyancing costs
Having a professional review the contract and handle the transfer protects you from mistakes. Learn how our team supports you with conveyancing and contract management.
Ongoing costs after you buy
- Service charges: paid every year for the upkeep of the building and community.
- Utilities: electricity, water and cooling if you are not renting the property out.
- Insurance: home or landlord insurance.
- Property management: if you rent out the home, a management fee. See our property management service.
A simple budget checklist
- Property price
- Deposit and payment plan instalments
- DLD transfer and registration fees
- Agency commission and VAT
- Mortgage fees, if any
- Trustee office, NOC and title deed fees
- Service charges and running costs
- A buffer for currency movements if you pay from abroad
Plan your costs with VVS Estate
We provide a detailed cost estimate before you commit, including DLD fees, agency commissions, service charges and conveyance costs. See how our financial planning works or contact us for an estimate on a specific property.
This article is general information, not legal or financial advice. Fees and rates change, so always confirm current figures before you decide.