Who can own, what to budget, which forms you sign, and what happens at the registration trustee when the home becomes yours.


The checks that take five minutes, the forms a licensed broker must use, what commission is by custom, the 2026 ban on cold contact, and the questions worth asking before you sign.
Bylaw No. 85 of 2006 regulates the register of real estate brokers in Dubai. A person may not act as a broker without being on it. The Dubai Land Department's brokerage practice guide sets out the route: the brokerage obtains a licence, registers it on DLD's Trakheesi system, and applies there for each broker's card, which is issued electronically once the fees are paid.
Ask the broker for the card. It names the broker and the brokerage and carries the broker registration number (BRN). Then check it yourself. The Dubai REST app, which RERA requires every broker to use, holds the register of brokers and their performance levels. Search by name or BRN and confirm the card is active, the photograph matches and the brokerage named is the one you are dealing with.
The brokerage holds its own registration, the office registration number (ORN), issued through Trakheesi with its registration certificate. Both the BRN and the ORN must appear on the firm's adverts. A valid broker card is worth nothing if the office behind it is suspended, so check the firm as well as the person, in the same app. RERA also classifies brokerages and brokers, and the guide says every broker should aim for a five-star rating or the golden category; the rating shows in the app.
An advert without a permit number is either unlicensed or an invitation to contact someone who is not the listing broker. Either way, walk on.
RERA requires brokers to use its smart contracts. The brokerage practice guide names three:
| Form | Between | What it does |
|---|---|---|
| Form A | Seller and brokerage | Appoints the brokerage to market the home; submitted through Trakheesi to obtain the advertising permit |
| Form B | Buyer and broker | Records what you want to buy, your budget, the commission and how the agreement ends |
| Form F | Seller and buyer | The sale contract, witnessed and dated by the broker, recording price, deposit, fees and each side's commission |
A broker who asks you to sign something else, or nothing at all, is working outside the system. Bayut's guide adds that a buyer who wants to end a Form B for cause does so in writing, with the reason and the date. A dispute over Form F can be taken to RERA's amicable settlement service through Trakheesi before it goes to court.
No law fixes the rate. Property Finder's guide gives the customary figures: on a residential resale about 2% of the price plus VAT, usually paid by the buyer, with lower rates sometimes negotiated on high-value homes; on a rental about 5% of the annual rent plus VAT, paid by the tenant, often with a minimum the agency sets. On an off-plan sale from a developer the developer usually pays the broker, so the buyer pays no brokerage fee.
Only a licensed brokerage may charge commission, and the amount must be written into Form B and Form F. If a broker quotes a rate, ask whether it includes VAT, and have the figure in the form before you pay anything. The buying costs calculator shows the customary 2% alongside the other fees.
The brokerage practice guide describes RERA's green list: owners who register on it agree to be contacted by brokers, and brokers may not contact owners who have not. On 27 February 2026 DLD issued a circular, listed on its rules and regulations page as the regulations governing communication with property owners and the prohibition of cold calling. It bars brokerages from obtaining owner or investor data by unlawful means and from contacting owners or investors by phone or any other channel to offer, market or buy property.
RERA's stated penalty for cold calling, set out when it fined a brokerage in April 2022, is AED 50,000 and/or suspension of the broker's card for no less than three months. That case suspended nine brokers. If a broker calls you about a home you never listed, you can report it through the Report Malicious Calls service in the Dubai REST app. A broker who found you that way has already shown how they work.
None of this is extra service. It is what the licence requires, and a broker who treats it as optional is telling you how the rest of the deal will go.
A licensed broker can answer all six on the spot.
Ask for their RERA broker card and search the broker registration number (BRN) in the Dubai REST app. Confirm the card is active, the photograph matches and the brokerage named is the firm you are dealing with. Check the brokerage's office registration number (ORN) the same way.
The BRN is the broker registration number on an individual broker's RERA card. The ORN is the office registration number of the brokerage. Both are issued through DLD's Trakheesi system and both must appear on adverts.
A Trakheesi permit number, the brokerage's ORN and the broker's BRN, and on printed and video adverts a Madmoun QR code, mandatory since 24 April 2023. Off-plan adverts must also show the developer, the escrow account number and the expected completion date.
RERA's standard contracts. Form A appoints a brokerage to market a seller's home and leads to the advertising permit. Form B is the agreement between a buyer and their broker. Form F is the sale contract between seller and buyer, witnessed by the broker.
By custom about 2% of the price plus VAT on a residential resale, usually paid by the buyer, and about 5% of the annual rent plus VAT on a rental, paid by the tenant. No law fixes the rate, and it must be written into the RERA forms.
No. A DLD circular of 27 February 2026 bars brokerages from contacting owners or investors by phone or other channels to offer, market or buy property, and from obtaining their data unlawfully. Brokers may contact only owners who have registered on RERA's green list.
RERA's stated penalty is a fine of AED 50,000 and/or suspension of the broker's card for at least three months. In April 2022 it fined a brokerage AED 50,000 and suspended nine of its brokers for three months. Unsolicited calls can be reported through the Dubai REST app.
No law requires one, but a licensed broker handles the RERA forms, the Trakheesi permit, the NOC and the trustee appointment, and only a licensed brokerage may charge commission. If you use one, check the card and the office first.
Who can own, what to budget, which forms you sign, and what happens at the registration trustee when the home becomes yours.

What changes when you are not in the UAE: the documents, the power of attorney rules, moving the money, borrowing, visas and tax.

Costs and mortgages
What the Dubai Land Department charges, what the broker, developer and bank charge, who pays each one, and a worked example at AED 2,000,000.
