SmartCare Properties

Buying Guides · 5 Jul 2026

A First-Time Buyer's Guide to Dubai Fees and Costs

By Editorial Team

A First-Time Buyer's Guide to Dubai Fees and Costs

DLD transfer fees, agency commission, mortgage registration — the complete cost checklist before you sign.

Budgeting for a Dubai purchase means planning for roughly 7–8% on top of the price.

  • DLD transfer fee: 4% of purchase price
  • Agency commission: typically 2% + VAT
  • Mortgage registration: 0.25% of loan amount
  • Trustee office and admin fees: AED 4,000–5,000
  • Valuation fee: AED 2,500–3,500 for financed purchases

Factor in developer service charges when comparing communities — they range widely by district.