Dubai First-Time Home Buyer Program (FTHB) 2025 Guide

• Led by: Dubai Land Department (DLD) + Dubai DET
• Who qualifies: UAE residents buying their first Dubai home
• Property cap: Freehold homes valued below AED 5M
• Benefits: Developer discounts, reduced mortgage rates, DLD fee instalments
• Access: Priority to projects from 13 leading Dubai developers
• How to apply: Through licensed brokers like LYM Real Estate

The FTHB scheme isn’t just another incentive - it’s part of Dubai’s broader 2040 Urban Master Plan, aimed at making the city more livable and accessible for residents.

• Affordability push: With property prices rising, the government wants to ease the path for first-time buyers.
• Population growth: Dubai is targeting nearly 6M residents by 2040, which means more demand for owned housing.
• Stronger housing ecosystem: By helping tenants become owners, Dubai boosts stability, wealth-building, and long-term market resilience.

For residents, it means the dream of owning a home in Dubai is more achievable than ever.

Eligible buyers gain access to perks that reduce upfront costs and long-term financial pressure:

• Priority access to select projects from 13 top developers.
• Special unit discounts offered by developers for first-time buyers.
• Reduced mortgage interest rates and lower processing fees across 5 participating banks. I
• Interest-free DLD fee instalments when paid via select bank credit cards.
• Fully digital process - from eligibility to approvals, handled online.

Step 1: Connect with a Licensed Broker

Work only with a registered brokerage like LYM Real Estate. We start by verifying your Emirates ID and confirming you don’t already own property in Dubai.

Step 2: Validate Your Eligibility

Through the FTHB platform, we run an Emirates ID property check to confirm first-time status.

Step 3: Set Your Preferences

Define budget, area, unit type, and payment structure - so the system matches you with the right developers and projects.

Step 4: Submit for Approval

We prepare and send your application through the platform. You’ll review and confirm via a secure link.

Step 5: Track the Journey

From approval updates to scheduled viewings, the process is transparent and digital — no lost paperwork or guesswork.

You may qualify for Dubai’s FTHB program if:

• You hold a valid Emirates ID.
• You are purchasing your first home in Dubai.
• You do not own property elsewhere in the UAE.
• The property is a freehold residential unit below AED 5M.

See our Area Guides to explore family-friendly communities under this program.

For first-time buyers:

• No confusion: You know instantly if you qualify.
• Less financial strain: Reduced costs and flexible fee payments.
• Priority access: Opportunities to buy in Dubai’s most sought-after communities.
• Trusted support: Licensed brokers like LYM guide you from start to finish.

For Dubai:

• Better accessibility: More residents move from renting to ownership.
• Market stability: Encourages long-term holding and wealth creation.
• Alignment with Vision 2040: Expands Dubai’s sustainable housing ecosystem.

At LYM Real Estate, we help you:

• Verify eligibility within minutes.
• Understand real options within your budget.
• Match with projects best suited for your needs.
• Guide you through approval, financing, and handover.

Contact LYM Real Estate today and take the first step toward homeownership in Dubai.