First-time buyers in the UAE can access a range of advantages:

• Access to the highest available LTV ratio (80% for resident expats; 85% for UAE nationals on properties under AED 5M)

• Some banks offer zero processing fees and free property valuations, saving up to AED 10,000–15,000 in upfront costs

• Special first-buyer mortgage products at competitive fixed rates

• Option to include a spouse’s income to improve eligibility

• Cash back offers or fee waivers from select lenders