For Dubai renters ready to own
Move into your Dubai home now. Own it outright in 12–36 months.
You pick the home. We buy it. You move in on a deposit and a monthly payment, with no mortgage approval to start. Then in 12 to 36 months you refinance with a bank, settle up, and it's yours outright.
No obligation. Takes about a minute.
Step 1 of 7
What can you put down today?
Savings, end-of-service, anything you could get to now.
What could you pay each month?
What you could pay without it hurting.
When could you refinance into a mortgage?
Pay it off sooner and the price drops. You'll see by how much in a second.
What does your household earn each month?
This sets what a bank will lend you later, and keeps the plan affordable.
These figures are illustrative estimates only, generated from the information you provide. They do not constitute mortgage approval, financing approval, a property offer, or a guarantee of eligibility. Final terms are subject to underwriting review, property availability, and confirmation by a 24Own specialist.
How it works
The deal, in three steps.
No bank in the first two steps. That's the point.
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01
Tell us what you're working with
What have you got saved, and what could you pay monthly without it hurting? That's the whole starting point.
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02
We buy the home you picked. You move in.
You find the place. We buy it, you move in, and you pay us monthly instead of writing rent cheques. Your price is fixed in writing before you sign anything.
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03
12 to 36 months later, you refinance and it's yours
By then you've got the history a UAE bank actually wants. You take a normal mortgage on what's left, settle up with us, and it's yours outright. Move sooner and you pay less.
Where this sits
Renting, 24Own, or a mortgage today.
Five questions. Three answers.
| Renting today | 24Own | Buying with a mortgage today | |
|---|---|---|---|
| Bank approval to start | Not needed | Not needed | Required |
| Cash to start | 5% deposit + agency fee + post-dated cheques for the year | Your deposit, agreed with us | 20%+ deposit plus ~7% in fees |
| Your monthly payment | Goes to your landlord | Counts toward your purchase price | Goes to your mortgage |
| Self-employed / commission income | Fine | Fine. We look at what you earn, not only how you earn it | Usually the hardest case |
| At the end | Rent renews, often higher | You own the home | You own the home |
Scroll the table sideways to see all three.
Is this you?
Built for the people banks find difficult.
Not because they can't afford one. Because of how they get paid, or how new they are.
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You're self-employed
Your business has been good to you for years. The bank still wants audited accounts and a salary certificate you're never going to have.
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You earn on commission
You out-earn every salaried friend you have. It just lands in lumps, and on a mortgage form that looks like risk.
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You have savings, just not 20%
You've saved. Just not 20% plus another 7% in fees. Every mortgage conversation dies right there.
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You're new in the job
Good salary, solid role, six months in. Come back later, says the bank.
Straight answers
The questions worth asking first.
Including the ones most companies hope you'll ask later.
So what is this, exactly?
You choose a home on the open market. We buy it outright, and you move in on a deposit plus a monthly payment we agree with you. Your purchase price is fixed in writing at the start, so it doesn't move.
Then somewhere between 12 and 36 months later, once a UAE bank will lend to you, you take a normal mortgage for the balance, settle up with us, and the home is yours outright.
The whole idea is that the bank comes at the end instead of the beginning.
Where does the money I pay each month go?
It counts toward your purchase price. The calculator breaks it into the three parts that add up to the price: your deposit, everything you pay across the term, and the mortgage you refinance into at the end.
That's the whole sum. There's nothing else in it.
Why not just save for the deposit instead?
You might be better off doing exactly that, and if you are, a specialist will tell you.
It's worth doing the sum first, though. Getting to 20% plus another 7% in fees takes most people years, and you're paying rent the whole way. This route starts with a smaller amount up front. The trade is a price higher than buying outright today, and that gap is what we earn for buying now and waiting for you.
Can I pick any property?
You pick it. Not us. There's no list of leftovers to choose from.
It does have to be something we can buy and a bank could realistically lend against later, so a specialist checks the property with you before anything is agreed.
What does 24Own charge?
We buy the home and sell it to you at a price fixed in writing before you move in. It's higher than today's price. That gap is what we earn for buying now and waiting for you.
How much higher comes down to one thing: how long you take to refinance. Twelve months is cheaper than thirty-six. The table in the calculator shows all three side by side.
What are the fees?
Every Dubai purchase carries the usual costs: DLD registration, agency, transfer fees.
Who pays what gets confirmed in writing before anything is signed. You won't be asked to commit to a number you haven't seen.
What should I get in writing before I sign?
All of it. Three parts especially:
The purchase price, and what it costs at each refinance timeline. Exactly how the property is held while you're paying, and what that means for you day to day. And what happens if the refinance doesn't complete on time.
Anything you're told verbally isn't an answer. That goes for us and for anyone else offering you something that sounds like this.
Who is 24Own?
24Own is run by Thrivestate, the group behind 24Sold.
24Sold works with owners who need to sell quickly. 24Own is the other end of the same business: those homes going to buyers who need a bit of time rather than a bank's approval today.