Buying a home together is one of the biggest milestones in any relationship. Whether you’re newlyweds, long-time partners, or just starting to build a future together, owning property is a major financial and emotional commitment. And in the UAE, there are a few things you should know before taking this step.
From legal requirements to financial planning and mortgage options, here’s a complete guide to help couples navigate the process of buying property together in the UAE.
Can unmarried couples buy property together in the UAE?
Let’s start with one of the most common questions: Do you have to be married to buy a home together in the UAE?
Good news: As of late 2020, UAE law has relaxed some of its restrictions around cohabitation. This means that unmarried couples can legally live together – and yes, they can also buy property together.
However, there are still a few things to keep in mind:
- Legal recognition: If you’re not married, you won’t have the same legal protections as a spouse.
- Inheritance rights: If something happens to one partner, the property doesn’t automatically pass to the other unless there’s a legal agreement or will in place.
- Documentation: Some developers or banks may still require proof of relationship or marriage, depending on their internal policies.
Understand the property ownership structure
When buying a home with your partner, you’ll need to decide how you want to own the property. There are two main options in the UAE:
1. Joint Ownership (both names on the title deed):
- Most common for couples.
- You can split ownership 50/50 or in a different ratio, depending on how much each person is contributing.
- Both parties have equal rights to the property, unless otherwise stated in a contract.
2. Single ownership (one name only):
- Sometimes one partner takes the mortgage under their name due to income or eligibility.
- The other may still contribute to payments but won’t have a legal claim unless a side agreement is created.
Always make sure that whatever arrangement you choose, it’s documented clearly – especially if one person is contributing more.
Talk about finances early and openly
Buying property is a big financial decision, so transparency is key. Before you start house-hunting, sit down together and talk about:
- How much you can afford as a couple.
- How much savings you can both put toward the down payment.
- Existing debts or other financial commitments.
- How you’ll handle monthly mortgage payments, maintenance fees, and utility bills.
- How you’ll divide responsibilities if one of you loses a job or wants to sell early.
Getting a mortgage together in the UAE
Yes, couples can apply for a joint mortgage in the UAE. It’s a great way to boost your borrowing power, especially if one person’s salary isn’t enough to qualify on their own.
Here’s how it works:
Eligibility criteria for joint mortgages:
- Both applicants must meet the bank’s requirements.
- Proof of income, employment, and residency is required for both.
- Your combined debt-to-income ratio must fall within the bank’s limits.
Documents typically needed:
- Emirates ID and passport copies
- Salary certificates or employment contracts
- Bank statements (last 3–6 months)
- Property details and reservation form
Important: Not all banks offer joint mortgage products for unmarried couples. That’s why working with a trusted mortgage consultant in Dubai can save you time and effort – they’ll match you with lenders that suit your situation.
Co-ownership agreements: Protect your interests
While it might not be the most romantic part of the process, a co-ownership agreement is essential, especially if you’re not married.
This legal document should outline:
- The ownership split (e.g., 50/50, 60/40)
- What happens if one partner wants to sell
- What happens if you split up
- What happens if one partner passes away
- How future contributions or renovations are handled
You can get this agreement drawn up by a lawyer and notarised to make it enforceable. It might feel like an extra step, but it’s the best way to avoid disputes later.
What If one person contributes more?
It’s very common for one partner to bring in more money than the other. In this case, make sure your contributions are reflected in the ownership agreement.
Things to clarify upfront:
- How will mortgage payments be split going forward?
- Will the ownership percentage change based on who pays what?
- What happens if you sell the property in the future?
Also, keep in mind that liability for the mortgage usually falls on whoever signs the contract. If both names are on it, both people are responsible for repayment.
Consider setting up a will or succession plan, especially if you’re not married. This can ensure your partner is taken care of if anything unexpected happens.
Conclusion
Buying property with your partner in the UAE offers exciting opportunities but requires careful planning and clear communication. By understanding the legal framework, making sound financial decisions, and documenting your agreements, you can create a successful property ownership experience that strengthens your relationship and builds your future together.
Remember that while this guide provides general information, property laws in the UAE can change, and individual circumstances vary. Always consult with legal and financial professionals who specialize in UAE property transactions before making significant decisions.
