Ownership Trends:

Growing Demand for Luxury and Mid-Tier Properties: Dubai continues to attract investors in luxury properties, especially villas and high-end apartments. Transaction prices for villas in sought-after areas have increased by up to 17%, while mid-tier apartments have seen price growth of up to 40% in areas like Jumeirah Lake Towers​(

Shift in Buyer Preferences: There's a noticeable trend of buyers moving away from the city’s prime areas to more affordable, yet high-potential regions. This is driven by both affordability concerns and the desire for community-centric, family-friendly environments​(

Sustained Foreign Investment: International buyers continue to play a critical role in Dubai’s property market. The city’s tax-free benefits and investment-friendly policies are attracting investors, especially from Europe and Asia.

Mortgage Trends:

Favorable Mortgage Rates: Mortgage rates in Dubai are becoming more competitive, with lenders offering reducing rates starting from 4.99%. There is also flexibility with partial settlements and early repayment options, making home ownership more accessible.

Lower Down Payments and Expanding Mortgage Options: Many banks have introduced favorable mortgage terms for expatriates, including down payments as low as 20% for properties under AED 5 million. This flexibility, combined with lower processing fees and attractive repayment terms, is encouraging more buyers to finance their properties.

Increased Loan Demand for Off-Plan Projects: Mortgage products for off-plan properties (projects still under construction) are also gaining popularity, helping developers attract buyers by providing easier financing.

Overall, Dubai’s property market is booming, with ownership rates climbing alongside flexible mortgage options, making it a vibrant and attractive market for both local and international buyers.