Renting to buying your first house in UAE 2026: 5 real estate trends home owners should focus on
Times of India
by TOI WORLD DESKFebruary 15, 2026
AI-Generated Deep Dive Summary
The UAE's property market is undergoing a significant transformation in 2026, with first-time buyers playing an increasingly crucial role. This shift is largely driven by government initiatives aimed at making homeownership more accessible, such as Dubai's First-Time Home Buyer (FTHB) Program. Launched in July 2025, this program has facilitated over 2,000 home purchases and generated AED 3.25 billion in residential transactions within six months. By offering priority access to new developments, tailored mortgage plans, and preferential pricing, the initiative targets mid-income residents and long-term renters looking to enter the housing market.
The dynamics of buyer behavior have evolved considerably. First-time buyers are no longer solely focused on short-term gains or speculative investments but are prioritizing liveability, comfort, and long-term value preservation. Factors such as build quality, practical design, natural light, storage space, and functional floor plans now hold significant weight. Additionally, buyers emphasize location and community infrastructure, favoring areas like Meydan Horizon and Dubai South for their balance of affordability, convenience, and amenities.
Affordability remains a critical consideration, with buyers exploring flexible payment plans and mortgage solutions. Lenders offer up to 80% loan-to-value (LTV) for expats and higher rates for UAE nationals, lowering entry barriers. Furthermore, advancements in mortgage technology, including AI-driven advisory services, empower buyers to make informed financing decisions, aligning financial strategies with long-term goals.
This shift underscores a maturing market where sustainability and future growth potential
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Originally published on Times of India on 2/15/2026