# Enesco > Enesco is a full-service real estate brokerage in Dubai, United Arab Emirates: buying, selling, renting, off-plan advice, mortgage help, Golden Visa guidance and property management. It publishes off-plan homes with the full cost of buying on each, and plain guides to buying, selling, renting and letting in Dubai whose figures are checked against the Dubai Land Department (DLD), the Central Bank of the UAE and GDRFA Dubai. Facts last checked 2026-09-16. Key facts for buyers in Dubai: - What is the DLD transfer fee in Dubai? 4% of the purchase price of a ready home, customarily paid by the buyer. Off-plan purchases pay the same 4% to register on Oqood, plus AED 20. - What is the maximum mortgage loan-to-value in Dubai? 80% for an expatriate's first home worth up to AED 5 million, 70% above AED 5 million, 60% for a second home and 50% for an off-plan home. UAE nationals may borrow 85%, 75% and 65% on ready homes. - What is the agency fee for buying property in Dubai? Usually 2% of the price plus 5% VAT. It is market custom, not a fixed legal rate. - How much property do you need for a Dubai Golden Visa? Property worth AED 2 million or more, held in one property or several. - What protects off-plan buyers in Dubai? Dubai Law No. 8 of 2007, which requires off-plan payments to be held in a project escrow account and used only for that project's construction. - Can foreigners buy property in Dubai? Yes, as freehold owners in Dubai's designated freehold areas, without needing a UAE residence visa. - Is Ejari registration mandatory in Dubai? Yes. Dubai Law No. 26 of 2007 requires every tenancy contract to be registered with RERA, through Ejari. - How long is a developer liable for defects in Dubai? One year from handover for defective installations, and ten years from the completion certificate for structural defects, under Article 40 of Dubai Law No. 6 of 2019. - How many real estate transactions did Dubai record in 2025? More than 270,000, worth AED 917 billion, according to the Dubai Media Office. ## Services - [Buying property in Dubai](https://enescodubai.com/services/buying-property-in-dubai/): A buyer's broker who shortlists, checks every advert, negotiates the price and stays with you to the title deed. On a resale the customary agency fee is 2% of the price plus VAT, paid by the buyer and agreed in Form B; on an off-plan purchase from a developer, the developer pays us and you pay nothing extra. - [Selling property in Dubai](https://enescodubai.com/sell/): A valuation from real sales data, a permitted listing, qualified buyers and a transfer handled from the first viewing to the trustee office. Our commission is agreed in Form A before marketing begins; by custom the buyer pays the 4% DLD transfer fee, and the developer's NOC fee of AED 500 to 5,000 is split as agreed in Form F. - [Renting a home in Dubai](https://enescodubai.com/rent/): A tenant's adviser who shortlists, checks the landlord, negotiates the terms and registers the contract on Ejari. Our fee for finding and securing a rental home is agreed with you in writing before you sign the tenancy contract; Ejari registration costs AED 177.75 online. - [Property management in Dubai](https://enescodubai.com/landlords/): Tenants found and vetted, rent collected, maintenance handled and renewals kept within the law, with one statement a year. Our management fee is a share of the annual rent, agreed in writing before we market the home. - [Off-plan advisory](https://enescodubai.com/services/off-plan-advisory/): The developer, the escrow account and the payment plan checked before you reserve, and the handover and snagging handled after. On a purchase from the developer, the developer pays our commission and you pay nothing extra; on an off-plan resale from another buyer, the customary 2% plus VAT applies and is agreed in Form B. - [Mortgage advisory](https://enescodubai.com/services/mortgage-advisory/): How much a bank can lend you, which documents it needs, and the order to do things in, from pre-approval to registration at DLD. Mortgage help is part of buying with us; the bank charges a valuation of typically AED 2,500 to 3,500 plus VAT and an arrangement fee of up to 1% of the loan plus VAT, and DLD charges 0.25% of the loan plus AED 270 to register the mortgage. - [Golden Visa through property](https://enescodubai.com/services/golden-visa-through-property/): What qualifies, where the official sources disagree, and how we prepare the purchase and the paperwork around it. Our help with the purchase, the document pack and the appointment is part of buying with us; the Dubai Land Department lists the Golden Visa fee for the main applicant as AED 9,884.75, and the authority's fees apply when you apply. - [Investor services](https://enescodubai.com/services/investor-services/): Homes sourced from the data, returns worked out the same way every time, and the letting handled by the team that found the home. Buying through us costs the customary 2% plus VAT on a resale and nothing extra on an off-plan purchase from a developer; management is a share of the annual rent, agreed in writing. - [Relocation to Dubai](https://enescodubai.com/services/relocation-to-dubai/): Rent first or buy, which areas fit your commute, what a non-resident needs, and a home ready on the day you land. Finding a rental home carries a fee agreed in writing before you sign; buying carries the customary 2% plus VAT on a resale and nothing extra on an off-plan purchase from a developer. - [Commercial property in Dubai](https://enescodubai.com/services/commercial-property-in-dubai/): Grade-A offices, prime retail, logistics warehouses and commercial freehold acquisitions across DIFC, Downtown, Business Bay, and Dubai South. 5%–10% of annual rent for commercial leases; 2% + VAT for commercial freehold sales ## Guides - [Buying a home in Dubai: the process from start to keys](https://enescodubai.com/guides/how-to-buy-property-in-dubai/): Who can own, what to budget, which forms you sign, and what happens at the registration trustee when the home becomes yours. - [The cost of buying property in Dubai, fee by fee](https://enescodubai.com/guides/cost-of-buying-property-in-dubai/): 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. - [Mortgages in Dubai: what a bank will lend and what it costs](https://enescodubai.com/guides/mortgages-in-dubai/): The Central Bank's loan limits, the deposit each one implies, the 25-year term, the 50% debt rule, the fees, and the order to do things in. - [Buying off-plan in Dubai: how it works and what to check](https://enescodubai.com/guides/buying-off-plan-in-dubai/): Payment plans, the escrow law behind every instalment, Oqood registration, what an advert must show, borrowing against an unbuilt home, and handover. - [The Golden Visa through property in Dubai](https://enescodubai.com/guides/golden-visa-through-property/): The AED 2 million threshold, how a mortgage or a co-owner changes the count, the silence on off-plan, the two-year investor visa below the line, and where to apply. - [Off-plan or ready: which suits you in Dubai](https://enescodubai.com/guides/off-plan-vs-ready-property-in-dubai/): The same decision from both sides: what you pay and when, what a bank will lend, where your money sits, and when you get the keys. - [How to buy property in Dubai when you live abroad](https://enescodubai.com/guides/buying-property-in-dubai-from-abroad/): What changes when you are not in the UAE: the documents, the power of attorney rules, moving the money, borrowing, visas and tax. - [Service charges in Dubai, explained for owners and buyers](https://enescodubai.com/guides/service-charges-in-dubai/): What the annual charge pays for, who sets it, where to look it up before you buy, and what the law does when an owner stops paying. - [How to rent out your Dubai property](https://enescodubai.com/guides/renting-out-property-in-dubai/): The landlord's side of Dubai tenancy law: registering the contract, what rent increase the index allows, the two notice rules, holiday lets and tax. - [Handover and snagging: taking the keys to a new Dubai home](https://enescodubai.com/guides/handover-and-snagging-in-dubai/): The completion certificate, your title deed, the inspection before you accept, and the years the developer stays responsible for defects. - [How to sell property in Dubai, step by step](https://enescodubai.com/guides/selling-property-in-dubai/): From the listing agreement to the transfer at the trustee office: the forms you sign, the certificates you need, the fees by custom, and how an off-plan unit is sold before handover. - [Renting a home in Dubai: what every tenant should know](https://enescodubai.com/guides/renting-a-home-in-dubai/): The law behind a Dubai tenancy, what you pay up front, how much the rent can rise, the notice you are entitled to, and where to go when something goes wrong. - [Investing in Dubai property: how to judge a deal](https://enescodubai.com/guides/investing-in-dubai-property/): A method, not a forecast: work out the yield that is left after costs, read the price data, weigh off-plan against ready, and understand the tax and visa rules that apply. - [How to choose a real estate broker in Dubai](https://enescodubai.com/guides/choosing-a-real-estate-broker-in-dubai/): 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. - [Questions and answers](https://enescodubai.com/faq/): 44 answers on buying, selling, renting, letting, off-plan, fees, visas and the law ## Reference and tools - [Dubai property buying facts](https://enescodubai.com/dubai-property-facts/): fees, mortgage limits, ownership, off-plan protections, advertising rules, Golden Visa rules and area transport on one sourced page - [Dubai property prices by area](https://enescodubai.com/dubai-property-prices/): median price per sq ft and residential sales by quarter for Dubai and seven communities, our analysis of the Dubai Land Department's open transaction data (Data.Dubai, Dubai Open Data Licence) - [Dubai property glossary](https://enescodubai.com/dubai-property-glossary/): plain definitions of DLD, RERA, Oqood, Ejari, Form F, NOC, Trakheesi, Mollak, escrow, snagging and more - [Buying costs calculator](https://enescodubai.com/buying-costs/): every fee on a ready or off-plan home, with or without a mortgage - [Mortgage calculator](https://enescodubai.com/mortgage-calculator/): monthly repayment, minimum deposit under Central Bank limits, income needed ## Off-plan projects for sale - [Floareá Skies by Mashriq Elite](https://enescodubai.com/properties/mashriq-elite-floarea-skies/): A 192-apartment tower in JVC with direct access to Al Khail Road and a rooftop infinity pool. Price on request; payment plan 30/70. Checked 2026-09-16. - [Floareá Oasis by Mashriq Elite](https://enescodubai.com/properties/mashriq-elite-floarea-oasis/): 257 studios, one- and two-bedroom apartments in the Dubai Land Residence Complex, planned around family amenities. Price on request; payment plan 30/70. Checked 2026-09-16. - [Floareá Breeze by Mashriq Elite](https://enescodubai.com/properties/mashriq-elite-floarea-breeze/): A boutique building of 48 apartments and 4 park-facing townhouses on Dubai Islands, a short walk from the beach. Price on request; payment plan 30/70. Checked 2026-09-16. - [The Woods Abode by Sobha Realty](https://enescodubai.com/properties/sobha-sanctuary-the-woods-abode/): One and two-bedroom apartments among the parks of Sobha Sanctuary in Dubailand, from 546 sq ft. From AED 1,000,000; handover 2029. Checked 2026-09-16. - [The Willows by Sobha Realty](https://enescodubai.com/properties/sobha-sanctuary-the-willows/): Four-bedroom villas in Sobha Sanctuary, a gated, low-density community built around parks and gardens. From AED 4,060,000. Checked 2026-09-16. - [Sobha Orbis by Sobha Realty](https://enescodubai.com/properties/sobha-orbis/): Seven apartment towers in Motor City with one, one-and-a-half and two-bedroom homes, handover December 2027. From AED 1,570,000; handover Dec 2027. Checked 2026-09-16. - [The Eden by Sobha Realty](https://enescodubai.com/properties/sobha-central-the-eden/): One and two-bedroom apartments in Sobha Central, a six-tower cluster by Jebel Ali Metro Station on Sheikh Zayed Road. From AED 1,830,000; handover Dec 2029. Checked 2026-09-16. - [Skyvue Stellar by Sobha Realty](https://enescodubai.com/properties/sobha-hartland-ii-skyvue-stellar/): The tallest of the Skyvue towers in Sobha Hartland II, with one to three-and-a-half-bedroom apartments facing the lagoon. From AED 2,380,000; handover March 2029. Checked 2026-09-16. - [Sobha Elwood by Sobha Realty](https://enescodubai.com/properties/sobha-elwood/): Four to six-bedroom villas in a 10 million sq ft community off Dubai–Al Ain Road, almost half of it parkland. From AED 9,920,000; handover June 2027. Checked 2026-09-16. - [DAMAC Islands 2 by DAMAC Properties](https://enescodubai.com/properties/damac-islands-2/): Townhouses and villas around lagoons and waterways in DAMAC Islands 2, Dubailand, from four bedrooms. From AED 2,990,000; handover Q4 2030. Checked 2026-09-16. - [Chelsea Residences by DAMAC Properties](https://enescodubai.com/properties/damac-chelsea-residences/): Waterfront apartments in Dubai Maritime City, developed with Chelsea Football Club, with a rooftop football pitch. From AED 2,513,000; handover Q2 2030; payment plan 1%. Checked 2026-09-16. - [Azure 2 at DAMAC Riverside Views by DAMAC Properties](https://enescodubai.com/properties/damac-riverside-views-azure-2/): One and two-bedroom apartments along the water channels of DAMAC Riverside, handover Q1 2029. From AED 795,000; handover Q1 2029. Checked 2026-09-16. - [Violet 4 by DAMAC Properties](https://enescodubai.com/properties/damac-hills-2-violet-4/): Four-bedroom townhouses with gardens and roof terraces in DAMAC Hills 2. From AED 2,152,000; handover Q4 2028; payment plan 1%. Checked 2026-09-16. - [Valencia at DAMAC Lagoons District by DAMAC Properties](https://enescodubai.com/properties/damac-lagoons-district-valencia/): Studios, one and two-bedroom apartments in the mixed-use district of DAMAC Lagoons, beside offices and a mall. From AED 1,520,000; handover Q1 2029; payment plan 60/40. Checked 2026-09-16. - [Couture by Cavalli by DAMAC Properties](https://enescodubai.com/properties/damac-couture-by-cavalli/): 95 homes with Roberto Cavalli interiors on the Dubai Canal beside Safa Park, each with its own pool. From AED 21,904,000; handover Q4 2028; payment plan 60/40. Checked 2026-09-16. - [Montiva by Vida by Emaar Properties](https://enescodubai.com/properties/emaar-montiva-by-vida/): Vida-branded one to three-bedroom apartments in Dubai Creek Harbour, beside parkland. From AED 1,916,888. Checked 2026-09-16. - [Palace Residences Hillside by Emaar Properties](https://enescodubai.com/properties/emaar-palace-residences-hillside/): Palace-branded apartments and three-bedroom townhouses in Dubai Hills Estate, close to Dubai Hills Park. From AED 1,719,888. Checked 2026-09-16. - [Ovelle by Emaar Properties](https://enescodubai.com/properties/emaar-ovelle/): Four and five-bedroom detached villas in The Valley, Emaar's community off the Al Ain Road. From AED 8,897,888. Checked 2026-09-16. - [Salva by Emaar Properties](https://enescodubai.com/properties/emaar-salva/): Three to five-bedroom villas in The Heights Country Club & Wellness, a community built around a wellness lake. From AED 6,762,888. Checked 2026-09-16. - [Palm Central Private Residences by Nakheel](https://enescodubai.com/properties/nakheel-palm-central-private-residences/): Apartments and townhouses in three low to mid-rise buildings at the centre of Palm Jebel Ali, with beach access. From AED 2,700,000; handover September 2030. Checked 2026-09-16. - [Everly Place by Ellington Properties](https://enescodubai.com/properties/ellington-everly-place/): 209 apartments in a mid-rise building around the crystal lagoon of Meydan Horizon, Mohammed Bin Rashid City. Price on request. Checked 2026-09-16. - [The Meriva Collection by Ellington Properties](https://enescodubai.com/properties/ellington-the-meriva-collection/): Beachfront apartments, penthouses and signature residences on Island B of Dubai Islands. Price on request. Checked 2026-09-16. - [Binghatti Etherea by Binghatti Developers](https://enescodubai.com/properties/binghatti-etherea/): 282 studios, one and two-bedroom apartments in JVC, handover July 2027. From AED 767,999; handover July 2027. Checked 2026-09-16. - [Binghatti Skyblade by Binghatti Developers](https://enescodubai.com/properties/binghatti-skyblade/): A 55-floor tower on Burj Khalifa Boulevard with 619 homes and a rooftop pool facing the Burj Khalifa. From AED 1,764,999; handover Q4 2027. Checked 2026-09-16. - [BAYZ 102 by Danube Properties](https://enescodubai.com/properties/danube-bayz-102/): A 102-storey tower of furnished apartments and penthouses in Business Bay, sold on Danube's 2% monthly plan. From AED 2,400,000; handover June 2029; payment plan Pay 2% Monthly. Checked 2026-09-16. ## Area guides - [Dubai Marina](https://enescodubai.com/areas/dubai-marina/): Apartment towers on both sides of a man-made marina, with JBR beach, the tram and two Metro stations within reach. - [Downtown Dubai](https://enescodubai.com/areas/downtown-dubai/): The district around Burj Khalifa and The Dubai Mall, where the Boulevard links the towers, the fountain and the opera house. - [Palm Jumeirah](https://enescodubai.com/areas/palm-jumeirah/): The palm-shaped island: villas along the fronds, apartment buildings and hotels on the trunk, resorts on the crescent. - [Dubai Hills Estate](https://enescodubai.com/areas/dubai-hills-estate/): A planned community built around a golf course, a central park and Dubai Hills Mall. - [Business Bay](https://enescodubai.com/areas/business-bay/): A mixed district of offices, hotels and apartment towers along the Dubai Water Canal, next door to Downtown Dubai. - [Jumeirah Village Circle](https://enescodubai.com/areas/jumeirah-village-circle/): A circular community of low- and mid-rise buildings, townhouses and villas, with parks at its centre and new buildings going up around them. - [Dubai Creek Harbour](https://enescodubai.com/areas/dubai-creek-harbour/): A waterfront district on Dubai Creek beside the Ras Al Khor sanctuary, with the Downtown skyline across the water and a Blue Line station on the way. - [Dubai Islands](https://enescodubai.com/areas/dubai-islands/): Nakheel's five islands off the Deira coast, reached by the Infinity Bridge, with beachfront apartments and villas going up around long public beaches. - [Jumeirah Lake Towers](https://enescodubai.com/areas/jumeirah-lake-towers/): A freehold district of towers in 26 clusters around three lakes and a park, with two Red Line stations and the Marina across Sheikh Zayed Road. - [Mohammed Bin Rashid City](https://enescodubai.com/areas/mohammed-bin-rashid-city/): A large master plan south of Downtown Dubai, home to District One and its Crystal Lagoon, Sobha Hartland, Sobha Hartland II and the Meydan racecourse. - [Dubai South](https://enescodubai.com/areas/dubai-south/): The planned city around Al Maktoum International Airport and Expo City Dubai, with townhouses, villas and low-rise apartments and the Expo station at the end of the Red Line. - [Arjan](https://enescodubai.com/areas/arjan/): A freehold district in Dubailand beside Dubai Miracle Garden, with low- and mid-rise apartment buildings between Al Barsha South and Motor City. ## Optional - [Full text of every guide, the facts page and every area guide](https://enescodubai.com/llms-full.txt) - [Property for sale](https://enescodubai.com/properties/) - [About Enesco](https://enescodubai.com/about/) - [Contact](https://enescodubai.com/contact/)