Buying Freezone Property in the UAE: A Guide for Western Buyers

Written By Aisha

Whether you're seeking a fresh start, a more secure environment, or a smart long-term investment, buying property in the UAE as a foreigner is surprisingly accessible. This guide walks you through key facts for Western expats and non-residents — including deposits, visa options, and where to find expert support.

Who Can Buy Freehold or Freezone Property?

In emirates like Dubai, Abu Dhabi, Sharjah (specific developments), Ajman, and Ras Al Khaimah, foreign nationals can legally buy property in designated Freehold or Freezone areas.

  • You don’t need a UAE visa to buy

  • You can purchase as a non-resident, UAE visa holder, or offshore entity

  • Most areas offer freehold ownership, but some offer long-term leaseholds (more below)

Mortgage Deposits for Western Buyers

If you're planning to buy with a mortgage, the deposit required depends on your residency:

Banks offer fewer options and stricter terms for non-residents, so:

  • Expect larger deposits

  • Shorter repayment terms

  • Limited bank availability

We don’t provide detailed mortgage advice or recommend specific banks, but we can refer you to trusted property and finance experts if needed.

Property and UAE Visa Options

Property ownership can make you eligible for a UAE residence visa:

  • Golden Visa (10 years) — For properties worth AED 2M+, including mortgaged and off-plan units.

  • 2-Year Property Visa — Available for properties from AED 750K+ (varies by emirate and project).

We provide basic guidance on visa-linked property options — and refer you to specialists if you’d like to proceed.

What Is a 100-Year Lease?

In Sharjah, the property market is evolving. Thanks to recent rulings, expats of all nationalities can now buy freehold in select developments. However, some properties within these developments are sold as 100-year leaseholds, especially in older or non-designated areas. Here’s what that means:

  • You can use, rent, sell, and inherit the property

  • The land remains under local ownership

  • You receive a title deed for your lease

Before purchasing, always verify if your selected unit is freehold or leasehold.

Need Help Choosing the Right Area?

Whether you're looking for:

  • A faith-conscious community

  • A Western expat-friendly neighbourhood

  • Easy school access or good rental return

  • A woman relocating alone and want an area that feels secure, welcoming, and easy to navigate

We can help you explore what suits your family, values, and goals.

Book a Consultation or Get a Referral

We don’t overwhelm you with listings — we guide you based on what matters to you.

Need a reliable agent?
Email info@thriveinuae.com

Want help choosing an area?
Book a consultation and we’ll walk you through your options, no pressure.

Note: We offer general advice only and refer you to experts for mortgage, legal, or visa processing.

Aisha