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For Dubai property owners

Dubai Golden Visa & Property Owner Services

More than property ownership. Planning for what comes next.

You may buy in Dubai for income, lifestyle, residency or your family’s future. Ownership then brings further decisions, from residency and management to succession and inheritance. We help with the property side and bring in trusted specialists when you need them.

Golden Visa

Dubai Residency Through Property

Owners of qualifying UAE property worth AED 2 million or more may be able to apply for long-term residency for themselves and their family.

Explore Golden Visa

Succession & Inheritance

Plan What Happens to Your Property

Property is often a large part of a family’s wealth. Decide now how it should be managed, transferred or passed on.

Explore Succession Planning

Trusts & Foundations

Planning Beyond a Will

Trusts, foundations and ownership structures can support succession, governance and planning across generations, where they suit.

Explore Trusts & Foundations

Future & Retirement Planning

Plan Your Property Around Your Future

Keep it for income, sell, transfer it or grow a portfolio. Think through what fits your retirement and your family.

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01Golden Visa

Dubai Golden Visa Through Property

The UAE Golden Visa, officially Golden Residency, is a long-term, renewable residence permit for investors and other eligible groups. Property investors can qualify because owning qualifying UAE property is one of the recognised investment routes.

Eligibility checked on 7 October 2026 against Dubai Land Department, GDRFA Dubai, u.ae and ICP. Official sources do not all agree, and rules change, so always confirm on the official page before you apply. The decision rests with the UAE authorities.

The property route: what official sources say

RequirementCurrent position
ValueAt least AED 2 million. Dubai Land Department measures the purchase value at the time of purchase.
Number of propertiesOne or more properties can be combined to reach AED 2 million.
Who owns itOwned by the applicant in their own name. For joint ownership, GDRFA Dubai says each owner’s share must be worth at least AED 2 million.
Mortgaged propertyAccepted by Dubai Land Department and GDRFA Dubai with a letter from the bank stating the amount paid and the balance, so what you have paid may matter. An older ICP page still says the property must not be subject to a loan.
Off-planFederal rules allow off-plan property bought from an approved developer. Dubai’s detailed conditions are not set out on the Dubai Land Department page; confirm before you rely on them.
While you hold the visaGDRFA Dubai says a lien is placed on the property so that ownership continues for the life of the residency.
DurationDubai Land Department and GDRFA Dubai describe a 10-year renewable permit. The federal portal u.ae shows 5 years for real estate investments. Check the current position before applying.
FamilyHolders can sponsor family members, including their spouse and children (Dubai Land Department’s service also covers parents), and can stay outside the UAE for longer than the usual six months (u.ae).
Where to applyIn Dubai, through Dubai Land Department’s Golden Visa service. The applicant must be inside the UAE.
Government feesDubai Land Department lists about AED 9,885 for the applicant, covering the medical test, Emirates ID, residency and its own fees. Family members cost extra.

Which kinds of ownership may be relevant

In your own name

The standard route, on one or several properties.

Jointly owned

Your own share needs to reach AED 2 million.

With a mortgage

Possible, with a bank letter showing what you have paid and what is left.

Through a company or foundation

The property must be wholly owned by the investor, so check before you restructure.

Documents you may need

  • Passport and a personal photo
  • Title deed (or e-title deed) for each property
  • Emirates ID and current residence permit, if you have them
  • A letter from your bank showing the amount paid and the balance, if the property is mortgaged
  • Then a medical test, health insurance and Emirates ID biometrics in the UAE

Not at AED 2 million? Dubai Land Department’s separate two-year investor visa is open to sole owners whatever the property value, and to co-owners with a share of at least AED 400,000 (Dubai Land Department, checked 7 October 2026). You can also use the ICP eligibility checker.

How Live Dubai Helps

Led by Ayman Hoque, Operations Manager

  • Understand your property position: what you own, its value and any mortgage or joint ownership
  • Check whether your circumstances may meet the current property-investor criteria
  • Explain the documents and the process at a high level
  • Coordinate the application with our trusted Golden Visa partner
  • Show how residency fits your wider plans: letting, selling, adding property or passing it on
Government approval is outside Live Dubai’s control. We cannot guarantee eligibility, approval or processing times.

When you need more than us

Dubai Land Department, GDRFA Dubai and ICP handle the application and decision. We work with an established Golden Visa partner who prepares and submits applications, and a lawyer may also be needed for complex cases, such as property held in a company, several co-owners, or sponsoring family members with different circumstances.

The Golden Visa process

Six stages from first conversation to ongoing support. Approval and timings are for the authorities.

  1. 01

    Understand Your Property

    What you own, its purchase value, ownership shares and any mortgage.

  2. 02

    Check Current Eligibility

    Compare your position with the latest official criteria.

  3. 03

    Prepare Documentation

    Passport, title deeds, photo and a bank letter if mortgaged.

  4. 04

    Submit Through the Appropriate Channel

    In Dubai, Dubai Land Department’s Golden Visa service.

  5. 05

    Residency / Visa Processing

    Medical test, health insurance and Emirates ID biometrics.

  6. 06

    Ongoing Property Support

    Management, renewals and planning, so your property keeps working for you.

Who might this be relevant for?

These services may be relevant to many kinds of owner. Whether any one person qualifies for a visa, or needs a structure, depends on their circumstances.

  • Dubai property investors
  • Overseas property owners
  • UK buyers investing in Dubai
  • Families buying property in Dubai
  • Owners considering UAE residency
  • Investors building a portfolio
  • Owners planning for children and future generations
  • Owners considering succession or inheritance structures

02Succession & Inheritance

Inheritance & Succession Planning for Dubai Property Owners

Your property may be one of your most valuable assets. Planning ahead can help you decide how it should be managed, transferred or passed on to the people you care about.

Questions owners often ask us

  • What happens to my Dubai property if I die?
  • Who should inherit it, and what if my beneficiaries live in different countries?
  • Should I own property personally or through another structure?
  • How does succession fit with my other family assets?
  • Should I have a will, and would a foundation or trust also be appropriate?
  • If I own a business as well as property, how do I plan for continuity?

How it works in the UAE today

  • No will? For non-Muslims, Federal Decree-Law No. 41 of 2022 (in force since February 2023) sets a default: half to the spouse and half shared equally by the children. Different rules apply to Muslims and can affect assets owned jointly with a Muslim.
  • Registered wills. Non-Muslims can register a will through the DIFC Courts Wills Service, the Abu Dhabi courts or the Dubai courts and notary. DIFC’s published fees in October 2026 include AED 7,500 for a property will and AED 10,000 for a full will.
  • Transfer to heirs. Dubai Land Department transfers property to heirs only on a letter from the courts, for a fee of AED 1,000 per property plus title deed costs. Joint owners do not automatically inherit each other’s share.
  • Other countries. If you live or have family elsewhere, their laws and taxes may apply too. UK residents, for example, may be subject to UK Inheritance Tax on Dubai property (our UK guide).

The right structure depends on

  • Family circumstances
  • Jurisdictions involved
  • Where assets are
  • Ownership structure
  • Beneficiaries
  • Personal objectives
  • Applicable laws

Sajjad Hoque, our Managing Director, leads this work. Our role is to help you understand the property and ownership side. For the rest, we work with trusted partners: lawyers, will-writers and structuring specialists who can advise you directly. We do not give legal, Sharia, inheritance or tax advice.

Sources: Decree-Law 41/2022, DIFC Courts fees, Dubai Land Department inheritance transfer. Checked 7 October 2026.

Is a Trust or Foundation Better Than a Will?

The better question is: what do your family and your assets require? A will and a trust or foundation do different jobs, and in some cases they work alongside each other. A foundation may suit certain succession, governance or asset-holding goals; a trust may suit others. Professional legal advice is essential before you set one up.

WillTrustFoundation
Main purposeSays who receives your assets and who deals with your estate when you die; can name guardians for childrenA trustee holds assets for the beneficiaries on the terms of the trustA separate legal entity that owns assets and is run by a council under its charter and by-laws
Succession planningTakes effect only on death, through a court processCan set out how assets are held and passed on, during life and afterContinues after the founder dies, so the assets it owns do not change hands; benefits follow its rules
Asset holdingDoes not hold assets; you own them until you dieThe trustee holds legal title. Whether a trust can be registered as owner of Dubai property depends on the type of trust and Dubai Land Department rulesOwns assets in its own name, including Dubai property in some cases, subject to Dubai Land Department requirements
GovernanceAn executor carries out your wishesTrustees, sometimes with a protectorA council of at least two; a guardian is optional or required depending on the type
Intergenerational planningA one-off transfer on deathCan run across generations, within its terms and governing lawCan be set up to continue across generations
ComplexityLowerModerate to highModerate: registration, annual filings and steps to move property in
Specialist advice requiredRecommendedEssentialEssential

A general comparison for education only. Features depend on the law used (for example DIFC, ADGM, RAK ICC or UAE federal law) and on the documents drafted. Even with a trust or foundation, you will usually still need a will for anything held outside it.

03Trusts & Foundations

Trusts & Foundations for Property Owners

Owners explore these structures for different reasons. Subject to the applicable legal and regulatory framework, a trust or foundation may help achieve:

  • Succession planning
  • Intergenerational wealth planning
  • Holding several assets together
  • Clear governance for family assets
  • Family continuity
  • Business continuity
  • Long-term ownership planning
  • Asset protection, where legally appropriate
  • Managing assets for future generations

The main options in the UAE

StructureLegal basisDubai property
RAK ICC FoundationRAK ICC Foundations Regulations 2019, amended 2025Announced by RAK ICC in 2025; subject to Dubai Land Department procedures
DIFC FoundationDIFC Foundations Law No. 3 of 2018Can own property in Dubai’s freehold areas under a Dubai Land Department and DIFC arrangement
ADGM FoundationADGM Foundations Regulations 2017Check with Dubai Land Department and a lawyer
DIFC TrustDIFC Trust Law No. 4 of 2018Take legal advice on ownership and registration
UAE federal trustFederal Decree-Law No. 31 of 2023Must be registered with the competent authority; take legal advice

What a trust or foundation does not do on its own

  • It does not automatically protect assets from creditors, divorce, tax or legal claims.
  • It does not automatically set aside the inheritance laws of the place where the property is. The RAK ICC and DIFC rules both say they do not validate a transfer of land that is invalid where the land is.
  • It does not replace your will for assets held outside it.
  • It is not automatically tax-free; the tax position depends on the structure and on elections made.

04RAK ICC

RAK ICC Foundations

RAK ICC is the international corporate registry in Ras Al Khaimah. Its foundation is a separate legal entity that can hold assets, including real estate, and is often considered for succession and family governance.

How a RAK ICC Foundation is set up

  1. FounderSets up the foundation and transfers assets to it. Can keep certain powers, such as appointing the council.
  2. The FoundationA separate legal person that owns its assets, governed by its charter and by-laws.
  3. Qualified recipientsThe beneficiaries. They receive benefits under the by-laws but do not own the foundation’s assets.
CouncilAt least two members run the foundation
GuardianOversees the council; required for charitable or purpose foundations, optional otherwise
Registered agentRequired, with a UAE registered address
Annual returnFiled every year with the registry
  • Privacy. The public register shows the foundation’s name, registered agent and council members, not its beneficiaries.
  • Capital. The minimum initial capital is USD 100; further assets can be added later.
  • 2025 changes. Amendments in force from 31 July 2025 added a three-year limit on challenges to transfers into a foundation, among other changes.
  • Activities. A foundation cannot trade commercially beyond what its objects need.

Holding Dubai property

RAK ICC’s rules allow a foundation to hold real estate, subject to the land registry’s requirements. Dubai Land Department has accepted RAK ICC companies as owners of Dubai freehold property since 2019, and RAK ICC announced in 2025 that Dubai property can also be registered through RAK ICC foundations. Confirm the current requirements with Dubai Land Department and a lawyer before you plan around it.

Golden Visa check: Dubai Land Department requires Golden Visa property to be wholly owned by the investor, so moving property into a company or foundation may affect eligibility.

Sources: RAK ICC Foundation, RAK ICC Foundations Regulations, Dubai Land Department (2019). Checked 7 October 2026.

05Ownership Structures

Property Ownership & Company Structures

How you hold property affects tax, financing, succession, the Golden Visa and what it costs to change later. The right choice depends on your investment strategy, family, business interests, succession goals, portfolio size and the countries involved. No structure is better in every case.

StructureHow it worksThings to weigh
Personal ownershipThe property is in your name, or jointly with othersSimplest and widest choice of mortgages; counts towards the Golden Visa; passes under your will or the default rules
Company ownershipA company accepted by Dubai Land Department, such as a Dubai free zone company or a RAK ICC or JAFZA offshore company, owns the propertyOn death, shares in the company pass rather than the title deed, subject to its documents and the law; set-up and annual costs; UAE corporate tax may apply; fewer mortgage options; may affect the Golden Visa
Holding structuresA company or foundation holds several properties or a family portfolioCan simplify managing several assets; adds administration; selling shares in a property-owning company still attracts Dubai Land Department fees
FoundationA separate legal entity owns the property for the family’s benefitContinuity and governance; costs and filings; Dubai Land Department procedures; may affect the Golden Visa
Succession structuresA will, trust, foundation or a combination planned togetherNeeds coordinated legal advice in every country involved

The costs people often miss

Up to 4%Dubai Land Department fee to transfer property into a company or other entity
0.125%Gift registration fee, for gifts to close relatives or companies (minimum AED 2,000)
2% + 2%Dubai Land Department fee when shares in a property-owning company are sold
9%UAE corporate tax on a company’s taxable income above AED 375,000. Individuals investing in their own name, without a trade licence, are outside it

Family foundations may apply to be treated as tax transparent if they meet the conditions. Sources: Dubai Land Department gift and company share sale services; UAE Cabinet Decision No. 49 of 2023. Checked 7 October 2026.

06Future Planning

Planning Your Dubai Property for the Future

Many of our clients have been with us for years. As their lives change, so do the questions about their property. We help you think them through with real figures, and refer you to a regulated adviser for pensions, investments or tax.

This is property and portfolio planning. Live Dubai does not give regulated pension, investment or financial advice.

One Property. Many Decisions.One Trusted Relationship.

You don’t have to find a new company every time your circumstances change. Live Dubai aims to remain your property partner throughout the journey.

  1. Buy
  2. Golden Visa
  3. Manage
  4. Renovate
  5. Grow
  6. Plan
  7. Pass On

Why owners trust Live Dubai

Real experience with real property, over more than two decades.

Family-run

A small firm where you deal with the same people year after year.

25+ years

In property since 1993, and in Dubai since 2003 as its freehold market began.

Dubai and London

Offices in Barsha Heights and Brentford, with UK roots going back to 1993.

International owners

We work with buyers and landlords from many countries, including owners who live outside the UAE.

600+ homes managed

For 400+ landlords who trust us to manage their homes.

Renovation results

One refit in The Greens raised the rent by 59%! Results vary by property.

Who you’ll speak to

Ayman Hoque, Operations Manager of Live Dubai International

Ayman Hoque

Operations Manager · Golden Visa

Ayman leads our Golden Visa service. He checks your property position and works with our trusted Golden Visa partner, so you have one point of contact from the first conversation to your Emirates ID.

Sajjad Hoque, Managing Director of Live Dubai International

Sajjad Hoque

Managing Director · Trusts, succession and planning

Sajjad leads our trusts, succession and future planning work alongside our legal and structuring partners. A UCL civil engineer, he bought and sold development sites in the UK with Barratt Homes and Galliard before leading acquisitions in Dubai’s JVC, JLT and Palm Jumeirah.

Frequently asked questions

General information, checked 7 October 2026. Not legal, tax or immigration advice.

Golden Visa

Can I get a Dubai Golden Visa through property?

Property investors can apply for UAE Golden Residency if they own property in the UAE worth at least AED 2 million and meet the other current conditions. In Dubai the application goes through Dubai Land Department and the residency is issued by the immigration authorities, who make the decision.

How much property do I need for a Dubai Golden Visa?

At least AED 2 million in total. Dubai Land Department measures the purchase value at the time of purchase. If you own a property jointly, GDRFA Dubai says your own share must be worth at least AED 2 million.

Can multiple properties count towards the Golden Visa?

Yes. Dubai Land Department and GDRFA Dubai both accept one or more properties that together reach AED 2 million, as long as you own them in your own name. For jointly owned property, your own share must reach AED 2 million.

Can off-plan property qualify for a Golden Visa?

Federal rules allow off-plan property bought from a developer approved by the local authority. Dubai Land Department’s service page does not currently set out Dubai’s off-plan conditions, such as how much must have been paid, so confirm them with Dubai Land Department before you rely on an off-plan purchase.

Can overseas property owners apply?

You do not need to live in the UAE to own property here. To apply, though, Dubai Land Department says the applicant must be inside the UAE, and the medical test and Emirates ID biometrics also happen here.

How long does a Dubai property Golden Visa take?

It depends on the authorities and on your documents, so no one can guarantee a timescale. Dubai Land Department’s service page quotes 7 to 10 working days for its own step; the medical test, health insurance and Emirates ID come after that.

Does Live Dubai apply for the Golden Visa?

We help you understand whether your property may meet the current criteria, what documents you need and how the process works, and our trusted Golden Visa partner prepares and submits the application with you. It goes through the official channels, and approval is a decision for the UAE authorities, not for Live Dubai.

What documents are required?

Dubai Land Department lists your passport, title deed, a personal photo, your Emirates ID and current residence permit if you have them, and, if the property is mortgaged, a letter from your bank showing the amount paid and the balance. A medical test, health insurance and Emirates ID biometrics follow.

Succession

How does inheritance of Dubai property work?

For non-Muslim owners, a federal civil law in force since February 2023 sets the default rules if there is no registered will: half to the spouse and half shared equally by the children. Different rules apply to Muslims. In every case Dubai Land Department needs a letter from the courts before it transfers the property to the heirs.

Do I need a will if I own property in Dubai?

It is not compulsory, but without a registered will the default rules decide who inherits and the process usually takes longer. Many owners register a will in the UAE for their UAE assets. If you also have a will in another country, ask a lawyer to make sure the two work together.

What happens to my Dubai property when I die?

Bank accounts are typically frozen, your heirs apply to the courts, and once the court writes to Dubai Land Department the title deed is transferred to them. Jointly owned property does not pass automatically to the other owner.

Can I plan who receives my Dubai property?

Yes. Under the civil law for non-Muslims you can leave your UAE assets to whoever you choose in a will, within the rules of that law. Some owners also use a company or foundation. A qualified lawyer can advise on what suits your family.

Can a foundation be used for succession planning?

It can be part of a succession plan. Because a foundation owns its assets and continues after the founder dies, the property does not have to change hands on death; benefits are paid under the foundation’s rules. It does not automatically override the law of the place where the property is, and it needs specialist legal advice.

Trusts & Foundations

Is a trust better than a will?

Not automatically. They do different jobs, and they often work together. The better question is what your family, your assets and the countries involved require. A specialist lawyer can help you decide.

What is the difference between a trust and a foundation?

A trust is an arrangement in which a trustee holds assets for the beneficiaries. A foundation is a separate legal entity that owns its assets itself and is run by a council under its charter and by-laws; its beneficiaries have no ownership of those assets.

Why would a Dubai property owner consider a foundation?

Owners usually look at foundations for continuity after death, for clear rules on who manages and benefits from family assets, or to hold several assets together. It adds set-up and running costs, and it can affect things like Golden Visa eligibility and mortgages, so it is not right for everyone.

Can a RAK ICC Foundation hold Dubai property?

RAK ICC’s rules let a foundation hold real estate, subject to local land registry requirements. Dubai Land Department has accepted RAK ICC companies as owners of Dubai freehold property since 2019, and RAK ICC announced in 2025 that Dubai property can also be registered through RAK ICC foundations. Confirm the current requirements with Dubai Land Department and a lawyer for your case.

Can a foundation help with succession planning?

It can, as part of a wider plan, because it gives continuity and sets out who benefits. It works alongside, not instead of, the laws of the countries involved, and specialist advice is essential.

Do I still need a will if I have a foundation?

Usually yes. A foundation only governs what it owns. Anything you still own personally, such as bank accounts or property you have not transferred, is dealt with under your will or the default rules.

Can Live Dubai set up a trust or foundation?

No. We are property specialists, not lawyers or registered agents. We help with the property side, such as what you own, its value, the Dubai Land Department steps and how a structure affects letting, selling and the Golden Visa, and we work alongside our trusted legal and structuring partners, who set structures up.

How much does a trust or foundation cost?

It depends on the structure and the adviser. Expect registry fees, legal and registered agent fees, annual running costs and Dubai Land Department fees to move property into it, which can be up to 4% of the value. DIFC advertises foundation registration from USD 350, and ADGM’s 2025 fee schedule lists USD 1,000 to register and USD 500 a year, before professional fees. Ask for a written quote.

Planning What Comes Next?

Whether you’re considering residency, succession, a trust or foundation, or simply want to understand what your Dubai property means for your family’s future, start with a conversation.

Barsha Heights, Dubai, and The Mille, Brentford, London. No charge for a first conversation.

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