I help you assess the developer, the project, the payment plan and the risks before you commit. With 15 years in construction, I also look at how the building will actually be built.
The destinations differ in currency, costs, entry price and residency options. I help you compare them on the same measures.
Dubai · Abu Dhabi · other emirates
Latvia · European Union
Black Sea coast
New destinations are added regularly, most recently Paraguay. Figures are provided by Metrolux Real Estate, and I always verify them before a purchase.
I check the background, the delivery record of past projects and how well schedules have held.
We assess the location, layout, build quality and rentability.
I calculate the total costs and go through the payment plan, including resale before completion.
I join the meetings with the brokerage and the developer, and we go through the contracts together.
After completion, help with renting or resale together with Metrolux.
The whole process can be handled remotely from Europe. I am with you throughout.
We go through your budget, time horizon and goal: rental income, capital growth or own use.
You get a short list of suitable properties compared on the same measures.
We review the property with the brokerage and the developer. I am in the meeting.
Reservation fee and the Sales and Purchase Agreement, which we go through together.
The sale is registered (Oqood in Dubai) and instalments are paid into escrow on schedule.
Inspection, final instalment and keys. Renting or resale if needed.
In an off-plan purchase, your payments do not go straight to the developer. They go into a separate bank escrow account set up only for that project.
The bank releases funds to the developer as construction progresses and the authority confirms the completion stage. In Dubai this is required by law. For other destinations I check the safeguards project by project.
The price is only part of it. Before you decide, you get a property-specific calculation showing registration, admin, financing and other costs.
Registration fees vary by emirate. Below are typical fees in Dubai and Abu Dhabi in 2026. You get a property-specific cost calculation in euros before you commit.
| Cost | When | Amount |
|---|---|---|
| Government fees | ||
| Registration fee, Dubai (DLD) | At signing of the SPA | 4% of the price |
| Registration trustee fee, Dubai | At signing | AED 4,200 (incl. VAT), AED 2,100 below AED 500,000 |
| Off-plan registration, Dubai (Oqood) | At signing | About AED 1,000, exact amount in the SPA |
| Registration fee, Abu Dhabi | At signing | Off-plan: 2% + AED 400 + VAT. Ready property: 2% + AED 875 |
| Developer admin fees | At signing | Per SPA, in Abu Dhabi max AED 5,000 |
| Title deed, Dubai | At handover | AED 250 + small admin fees |
| Agency commission | ||
| Off-plan directly from the developer | – | 0%, paid by the developer |
| Ready property or resale | At signing | Usually 2% + 5% VAT |
| Advisory for the buyer (off-plan) | – | €0, my fee is included in the developer’s commission |
| Only with mortgage financing | ||
| Mortgage registration, Dubai | At drawdown | 0.25% of the loan + AED 290 |
| Bank arrangement fee | At drawdown | Usually 0.5–1% of the loan + 5% VAT |
| Valuation fee | Before loan approval | AED 2,500–3,500 + 5% VAT |
| After handover | ||
| Service charges | Annually | Dubai usually AED 10–30 / ft²; Abu Dhabi varies by project |
| Electricity and water deposit | At handover | Per utility provider |
| Developer transfer fee (NOC) | If you sell before completion | Usually AED 500–5,000 depending on developer |
The handover date can slip. We check what the SPA says about delays.
Developers often allow resale only after a certain share of the price has been paid.
The dirham is pegged to the dollar at a fixed rate (3.6725 AED/USD), so the value in euros moves with EUR/USD. Georgian properties are priced in dollars and the lari floats. Riga properties are in euros.
Estimates are based on current rents in the area, not on promises.
The UAE has no personal income tax, but if you live in Europe your home country usually taxes your rental income and sale profits. That is why the return should be calculated after tax.
Your country of residence usually taxes worldwide income, including rent and capital gains from abroad.
The treaty between your country and the UAE decides who may tax the income. With no UAE tax paid, there is usually nothing to credit.
A gain is measured in your home currency, so the EUR/USD rate affects it.
A UAE residence visa does not by itself change your tax residence while you still live at home.
General information, not tax advice. Check your own situation with a tax adviser in your home country.
Five pages the brochures leave out:
Reviews from my Google profile, all from clients who have bought through me.
“The service ran flawlessly and buying the apartment was easy.”
“I have made three investments in the UAE through Jussi: two in Dubai and one in Abu Dhabi. Buying the properties has been reliable, easy and fast. He always thinks of the client’s best interest and only wants long-term client relationships.”
A construction professional on the investor’s side.
I lived and worked in Dubai in 2025, and now help Finnish and other European investors buy off-plan property in the UAE, Riga and Georgia. I have already helped investors buy investment properties in Dubai and Abu Dhabi, among others.
I work with Dubai-based Metrolux Real Estate, which gives me direct access to the sales teams of the region’s largest developers. Purchase meetings are held together with the brokerage and the developer, so you get information straight from the source.
I built my own construction company from scratch to 20 employees and sold it in 2023. That is why I look at an off-plan project through a builder’s eyes: the delivery record, how realistic the schedule is and what the contract actually promises about the finished home.
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