24Own .AE

FLEXIBLE HOME OWNERSHIP · DUBAI

For Dubai renters ready to own

Move into your Dubai home now. Own it outright in as little as 12 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, as soon as a bank will lend to you — for most buyers around the one-year mark — you refinance, settle up, and it's yours outright.

How does this work?

No obligation. Takes about a minute.

See what you could own · 1 / 7

What can you put down today?

Savings, end-of-service, anything you could get to now.

AED 250,000

You could afford a property worth

≈ AED 1,560,000

More down payment, higher property value you can afford.

Assumes a 10% down payment plus ~6% purchase costs (4% DLD, 2% agency).

Featured homes

Homes people are buying this way.

A few of the homes on our books right now — not the full list. Photos unlock once your plan is ready.

Answer five quick questions to unlock the full list matched to your budget.

How it works

The deal, in three steps.

No bank in the first two steps. That's the point.

  1. 1

    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.

  2. 2

    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.

  3. 3

    Around a year 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.

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

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.

  • 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.

  • 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.

  • You have savings, just not 20%

    You've saved. Just not 20% plus another 7% in fees. Every mortgage conversation dies right there.

From our buyers

People who stopped renting.

I run my own trading company, so every bank wanted audited accounts I don't have. 24Own looked at what I actually earn. We picked a townhouse in Dubai Hills and moved in six weeks later.

— Omar S. · Dubai Hills Estate

The price was fixed in writing before we signed anything — that's what convinced my husband. Twenty months in, the bank approved our mortgage and the flat became ours.

— Priya & Arjun M. · JVC

I earn on commission, so my income looks like a heartbeat monitor. I'd been told no three times. Here the monthly payments count toward the price instead of disappearing into rent.

— Tomasz K. · Dubai Marina

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, once a UAE bank will lend to you — for most buyers around the one-year mark — 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. Your plan is made of 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.

When is the right time to switch to a mortgage?

The sooner, the better — for you. By around month 12 you've typically paid in about 20% of the price between your deposit and your monthly payments, and that's exactly the position UAE banks like to lend against.

A mortgage on the remaining balance usually means a lower monthly payment than your 24Own installment, and the earlier you switch, the less you pay us for time. Your specialist flags the moment you're mortgage-ready — an early switch is a win on both sides of the table.

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.

The exact figure depends on your timeline and your plan, and it's confirmed in writing with your specialist before you commit to anything.

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.