True expertise and independent advice
As a sworn appraiser and real estate expert, accredited by the Dubai Land Department, Eugen Zimbelmann is the expert for real estate in Dubai. He is an investor and financing specialist himself. As a strategic partner and independent consultant, he represents only your interests, handles purchase contract negotiations and contract reviews - without commissions or conflicts of interest. Due to our expertise and our established networks, we always have the best deals and analyze the Dubai real estate market in a depth like no other on the market. Whether long-term or short-term rental, we know the numbers even before the purchase.
Only German accredited appraiser and consultant in Dubai
It's not your fault ...
It's not your fault if you buy the wrong property in Dubai. You just don't know any better - that changes now.
Most real estate investors who buy property in Dubai rely on the statements of brokers who feign neutrality but are actually motivated by exorbitant commissions from developers to sell off-plan properties, i.e., properties still under construction. They focus on projects with 5% and sometimes even up to 10% broker commission. Existing properties, which are significantly more attractive but only yield a buyer's commission of just 2%, are hardly recommended, even though they are often the better choice for you as an investor. This is because they generate high rental income from day one.
Many people believe that the broker acts in the best interest of investors and property buyers. However, they don't know what high commissions and incentives truly influence brokers in their recommendations and choices.
If you are looking for a solution, a partner who exclusively represents your interests and supports you in buying the right property in Dubai, then you are in the right place!
That's why we are the right partner for you
Our many years of experience and deep market knowledge in Dubai make us your ideal partner for real estate investments. We offer you not only sound advice but also guide you through every step of the process with a clear focus on your success. Our expertise as accredited experts and our proven track record in the industry guarantee that you are in the best hands.
Real estate purchase without Dubai finance
Investing in off-plan property development projects
The purchase of off-plan properties, i.e., properties that are still in the planning or construction phase at the time of sale, is very common due to the very high commissions that developers pay to brokers and agents. This means foregoing the high rental yields of 7.7% on average in Dubai for the entire construction period of 3, 4, or more years. In addition, according to statistics from the Dubai Land Department, construction projects are delayed by an average of 12 months. This loss of rental income means that the value of the off-plan property must increase by more than 42% in order to even come close to what could be achieved with an existing property over the same period.
No access to debt capital for leverage
Real estate agents and other market participants continue to spread misinformation about real estate financing in Dubai and even advise against it. However, they themselves are unable to successfully arrange real estate financing with local banks in Dubai. But those who forego financing when purchasing real estate also forego the attractive leverage of debt capital. Real estate investments make significantly less sense without external financing.
Excessive real estate purchase price
Even today, real estate in Dubai is often sold at significantly inflated prices. In some cases, a 20-50% premium is added to the actual market value, and uninformed buyers are ripped off. The ignorance of many real estate buyers is shamelessly exploited.
No personal bank account
Banks in Dubai do not open accounts for foreigners, i.e. people who do not have a visa or Emirates ID in Dubai. The effort involved on the part of the bank is too high. Many brokers and market participants take advantage of this and try to earn extra money through complex contracts and trustees. Without your own bank account in Dubai, however, you are always dependent on third parties. They control your money and charge unnecessarily high fees and costs.
Purchase of poor developers and projects
Real estate agents receive very high commissions when brokering properties from developers. In some cases, these commissions amount to 10% or more. Particularly poor developers pay high commissions for the sale of their projects. This gives agents an incentive to sell poor developers and projects. The success and sustainability for the property buyer often plays no role, as the commissions paid by developers are too high.
Promised returns cannot be achieved
Brokers are only paid a commission if they are successful. This means that they only earn money if a purchase is actually completed. This motivates many brokers to "guarantee" utopian returns of 10, 12, or more percent. If these returns are used as the basis for calculations and investment decisions, disappointment and disillusionment are likely to follow soon—a reality that is commonplace in Dubai.
Disadvantageous purchase agreement (Form F)
Time and again, buyers accept disadvantageous preliminary purchase agreements, known as Form F, which entail significant disadvantages and do not take the buyer's interests into account. This puts the buyer at risk of losing their deposit of 10% of the property purchase price, often sums of $100,000 or more.
Purchase without calculation
Purchase without calculation
Aspects, breathtaking computer-generated images of buildings or stylishly furnished apartments. With all the excitement, calculations often fall by the wayside. The rude awakening comes after the purchase, when the expected return fails to materialize or costs are not taken into account.
Purchase of commission-driven broker
Real estate agents only earn their commission when the sale is completed. This means that their advice can never be neutral, but is always geared towards closing the deal and making the sale. There are thousands of real estate agents in Dubai and competition is fierce, which means that many agents are under pressure to close deals and are focused on earning the commission they desperately need when selling a property. This often leads to poor investments being offered and a very short time horizon.
Vacancy due to incorrect rental concept
The wrong rental concept can lead to prolonged vacancy and thus lower rental returns. Whether short-term or long-term rental of a property makes sense and is also economical depends on many factors. Choosing the right rental concept and implementing the rental correctly has a decisive influence on the return and success of a real estate investment.
Real estate purchase with Dubai Finance
Investing in existing real estate
Investing in existing properties has a number of advantages for property buyers. Immediate rental returns from day one are just one major advantage over buying an off-plan property. Added to this is the clarity and certainty regarding the construction and substance of the property. Since brokers only receive a 2% commission on existing properties, brokering is significantly less attractive and involves more effort than selling off-plan properties. However, it is the better investment approach for real estate investors. This is also the reason why we exclusively recommend existing properties in Dubai and accompany the entire project from strategy to notary appointment and beyond.
Real estate financing with local banks
With Dubai Finanz, we are the largest German-speaking real estate financier in Dubai. We have excellent contacts with all banks in Dubai and can therefore always guarantee you the best terms and conditions. We take care of the entire approval and disbursement process. We can also guarantee financing for a property in Dubai without a visa or Emirates ID.
Independent alternative offers
Through our network of brokers, sellers, and investors, we have access to many offers and can provide independent alternative offers. We ensure market-driven prices, as Eugen Zimbelmann himself is an accredited and sworn appraiser for the Dubai Land Department and can reliably determine the value of real estate in Dubai in accordance with international standards. We offer this transparency to our customers, prepare appraisals for real estate buyers, and protect them from excessive purchase prices.
Opening your own bank account in Dubai
Thanks to our excellent banking contacts, we can open private bank accounts for our customers in the United Arab Emirates, even without a visa or Emirates ID. This allows you to maintain control over your money at all times and manage your finances via credit card, online banking, and mobile app. There are no ongoing account maintenance fees.
Only sustainable real estate investments
We think long-term and only recommend sustainable properties that will remain profitable in the coming years. In addition to the quality of construction, we also consider developments in the market situation and the neighborhood. What matters to us is sustainable returns that can be achieved over many years.
Realistic investment approach
We analyze each investment in depth, drawing on data from various sources, including the Dubai Land Department, the Ejari system, the Airbnb booking platform, and other sources. This enables us to verify actual rental yields before the purchase. This leads to a realistic investment approach and predictable returns that can then be generated over the long term.
Draft purchase agreements with rights of withdrawal
We carefully review the preliminary purchase agreement, known as Form F, and establish legally binding rights of withdrawal that exclusively protect the buyer's interests, thus safeguarding against the loss of the 10% deposit in the event of unforeseen circumstances.
In-depth analysis of the investment
We analyze every real estate purchase and calculate ancillary purchase costs and ongoing operating costs, deducting imputed vacancy rates and other calculated values from the calculated return in order to arrive at a realistic picture of the investment. Thanks to in-depth data analysis and access to real-time data on the real estate market, every real estate purchase is no longer a gamble but a thoroughly analyzed investment with long-term viability.
Independent and honest investment support
We are independent advisors and represent exclusively the interests of our investors. We are only accountable to our investors and are paid exclusively by them. This ensures that there are no conflicts of interest and that we can always give our honest opinion and provide independent support and implementation. Like an excellent lawyer at your side, we are only accountable to you.
Sustainable rental concept
Part of our sustainable investment system is to define the desired rental concept right from the start in a strategy meeting. Based on this, we select the appropriate property, while also keeping an eye on long-term changes in the rental market. A sensible strategy may therefore be to respond flexibly to demand for short-term or long-term rentals. We incorporate these strategic considerations into the overall process, thereby ensuring a sustainable rental concept that forms the foundation of a long-term profitable property.
Dubai financial system
Our investment strategy for your success in Dubai
Gründer und leitender Investment Berater
The Dubai financial investment strategy
Our self-developed 7-step process ensures that your investment in Dubai combines the most important building blocks of an investment strategy. We implement every step with our own employees and can thus ensure success. Together we build on the foundation and your strategy, use debt capital in the form of real estate financing in Dubai, and identify the ideal existing property in a multi-stage process that perfectly matches your requirements and wishes. We accompany and negotiate all stages up to rental and manage your real estate portfolio in the long term.
You can focus on your daily tasks as an entrepreneur, investor, or executive and relax. We manage your property in Dubai as if it were our own.
1
Strategic Consultation
The basis of every investment strategy and implementation is a strategy meeting. Here you define your strategy in a Zoom call or a personal meeting with Eugen Zimbelmann, our leading investment advisor. Eugen is the only German-speaking real estate advisor accredited by the Dubai Land Department for real estate advice in Dubai. As an experienced investor, financing specialist and appraiser for real estate in Dubai, you can benefit from his experience and market assessment.
2
Real Estate Financing
Real estate financing is often a crucial lever when acquiring existing properties and can optionally be included in our investment strategy. As the largest German real estate financier in Dubai, we offer you access to attractive financing conditions from local banks in Dubai and take care of the entire loan processing until the disbursement of the loan. Whether you want to finance your property purchase or pay entirely in cash - we examine the possibilities and calculate individual investment analyses for you.
3
Bank Account in Dubai
A bank account in Dubai is an important part of the investment strategy for many private investors. It gives you the opportunity to collect rents yourself and have control over your assets at all times. With your own private bank account in Dubai, you can do without expensive powers of attorney and trustees. Thanks to our excellent banking contacts, we open your bank account in Dubai and take care of the entire process.
4
Analytical Property Search
The Dubai real estate market is one of the most transparent real estate markets in the world. All transactions are published weekly by the Dubai Land Department. We aggregate this data and combine it with other data sources from rental agreements or Airbnb booking data. From this, we calculate real rental yields and can calculate your investment based on real data even before the purchase. This data depth and analytical approach give you a real advantage.
5
Due Diligence and Analysis
Due diligence and purchase inspection are important components of the real estate purchase process. We check all property documents, rental agreements, and also the building structure. Based on our data, we analyze the potential of the property and compare short-term or long-term rental scenarios. As part of an appraisal, we determine the true value of the property and use this knowledge for negotiations.
6
Purchase Price & Contract Negotiation
The best purchase price and acquisition conditions are our benchmark for success. To achieve this, we access the entire real estate market, communicate with sellers, and negotiate the best purchase price. We enforce tough contractual conditions that exclusively represent your interests. We support and create solutions for down payments and get the best for you in every respect.
7
Management Phase
Congratulations! Your property has been successfully purchased. Now comes the most important part - the management phase. We manage your property long-term and take care of renting it out, negotiating rent increases, and overseeing partners such as the short-term rental agency. This ensures that only your interests apply long-term. You will receive regular reports and evaluations for this.
Founder and Lead Consultant
Eugen Zimbelmann
I have been a professional real estate investor for over 10 years. The Dubai Land Department has accredited and sworn me in as a consultant, appraiser, and expert for real estate. I am the founder of Dubai Finance and a financing specialist. I help German-speaking investors like you to invest sustainably and securely in existing properties in Dubai.
Real estate consultant and appraiser accredited by the Dubai Land Department
Founder of Dubai Finance– the largest German-speaking real estate financier in Dubai
Investor with over 50 residential units in Germany and Dubai
"I treat your real estate purchase as if it were my own."
You can expect sound market knowledge, honest feedback, and a sustainable investment strategy.
Furthermore, I have a multi-member team by my side that supports you in all matters and is committed to your investment success. Competent and reliable.
Talk to me ‒ before you buy in Dubai!
Personalized advice and 24-hour question flat rate for your success!
We are always in touch with you. For this purpose, we create an exclusive and private WhatsApp group with you, the Dubai Finance team, and Eugen Zimbelmann himself.
This allows you to communicate with us 24 hours a day, 7 days a week, and receive quick and uncomplicated answers. We will send you documents and the best real estate deals in Dubai via WhatsApp.
Our team and Eugen personally are exclusively at your side. You can ask all questions and exchange ideas 1:1. For more complex topics, we are also available to you personally via Zoom conference, phone, or in the office.
Our approach is completely different.
We analyze the real estate market for existing properties and make investment decisions based on real data. For this, we clean thousands of data sets from anomalies, evaluate and interpret them, which leads to the best investment decisions for you. Data is truth, and clarity in data leads to better decisions and better investments. This is a real unfair advantage for our investors—and for you.
The risks associated with Dubai real estate
Many brokers only have their own interests in mind. They want to impose restrictive contracts on you and sell you junk real estate or so-called off-plan properties—projects that won't be completed for another 3 or 4 years.
The result: total confusion and a feeling of uncertainty.
What you really want: security and returns
You want to invest your assets securely in Dubai while achieving the highest possible return.
You want to... ...
generate immediate rental income....
benefit from the city's growth and rising property prices....
generate high ongoing rental returns....
diversify your assets in Dubai for the long term.
... rent out your property stress-free—at the best terms.
Your goal: Invest safely, with rental income covering the debt service and, depending on the investment, generating positive cash flow.
Use debt capital to achieve more
You know that debt capital is an important component of real estate investment. It leverages your equity and can double your return on equity. You want to benefit from the attractive terms of real estate financing in Dubai.
We are the largest German-speaking real estate financier and have a proven track record of approving millions in loans every week. As a RERA-approved financing broker, we work with all local banks in Dubai.
Your advantage: Local financing in Dubai at the best terms.
Stress-free real estate investments
Du bist Unternehmer, Investor oder leitender Angestellter und möchtest dich auf dein Kerngeschäft konzentrieren. Deshalb suchst du einen verlässlichen Partner, der sich um alles kümmert – von der Auswahl der richtigen Immobilie bis zu den operativen Aufgaben.
Dein Vorteil: Wir sind dein Partner vor Ort und kümmern uns ganzheitlich um Dein Investment. Vom Kauf, über die Vermietung und Verwaltung bis zum Verkauf. Alles aus einer Hand.
Your advantage: We are your local partner and take care of your investment from start to finish. From purchase to rental and management to sale. Everything from a single source.
Eugen Zimbelmann on
SAT.1 Breakfast Television
Founder Eugen Zimbelmann was a guest on SAT.1 breakfast television and spoke about life and investing in Dubai. As an expert for the Dubai Land Department, he provided insights into the real estate market.
Why are more and more German entrepreneurs and families being drawn to the desert metropolis? What opportunities does the market offer—and what is important to consider? This article provides the answers.
Customer success
Case studies of our investors
Find out what results our investors achieved after deciding to work with us.
Problem
As an experienced real estate investor, Eric Promm is also a real estate coach in Germany. When it came to financing and purchasing real estate, he lacked the knowledge and opportunities to finance a property in Dubai.
Goal
Financing the purchase of multiple properties and searching for the right property through our network.
Solution
We financed the purchase of three properties with local banks in Dubai, accompanying the entire process from application to communication with brokers and the purchase process. In one case, we informed the seller about the process of purchasing a property with financing and ensured that Eric Promm was able to purchase the property on the best terms. In doing so, we drew on our network of various partners for the purchase of the properties.
Eric Promm
Real estate investor & coach
Cemailij Bairamoski
Works in IT industry
Problem
In 2018, Cemailj Bajramoski purchased an off-plan property whose completion was delayed by years due to lengthy construction delays. He had already been in contact with a finance broker, but did not feel comfortable with the arrangement and was looking for a solution for the handover payment, the final payment to the developer.
Goal
Securing real estate financing for the handover payment to the property developer.
Solution
We took over the financing of the final payment to the developer and provided support during the handover of the property with expert opinions and acted as an interface between the developer. We had unjustified costs and fees charged by the developer waived for Cemailj Bajramoski and were the first point of contact throughout the entire property handover process.
Problem
Helene Knoll wanted to buy her first property in Dubai. She was unclear about the local procedures involved in the purchase process, contracts, laws, and conditions. She was looking for clarity and someone she could trust. Real estate financing was important and a prerequisite for the purchase in Dubai.
Goal
Safely and sustainably mastering your first real estate purchase in a good location. Taking advantage of real estate financing and investing your equity wisely. She was looking for a partner to review contracts and negotiate with brokers. Purchase in Dubai
Solution
We took care of the real estate financing with a local bank in Dubai and handled the entire transaction. We provided support in selecting the right property and advised on the purchase. We reviewed the preliminary purchase agreement, Form F, reserved legal rights of withdrawal, and handled communication with the broker.
Helene Knoll
Mechanical Engineer
Wadim Puhl
Father of a family
Problem
Wadim Puhl, a family man working in the automotive industry, faced the challenge of navigating Dubai's complex real estate market. Although he was attracted by the luxurious offerings, he lacked the knowledge of local procedures and processes to handle the purchase on his own.
Goal
Finding a comprehensive solution that covers all aspects of the real estate purchase and guarantees smooth processing.
Solution
Dubai Finance offered Wadim comprehensive support covering the entire process - from the initial consultation to the final settlement. Thanks to this targeted support, he was able to enter the market without any uncertainties and with complete confidence. The professional guidance ensured that Wadim could concentrate on his goal while all the complex steps were taken care of for him.
Problem
Holger Konzmann, a real estate investor with over 25 years of experience, was looking for a reliable financing option for his investments in Dubai. It was particularly important to him to have a straightforward process without the extensive bureaucracy often associated with international real estate financing.
Goal
Efficient, German-speaking support that not only helps with financing, but also provides valuation reports to take advantage of tax benefits in Germany.
Solution
Dubai Finance impressed Holger with its comprehensive services: from providing the best financing terms and conditions to offering refinancing options and preparing certified appraisals that are also recognized in Germany. These services not only enabled Holger to increase his return on investment, but also made the entire process stress-free. Holger particularly appreciates the team's expertise and experience, as well as the straightforward handling of all steps involved.
Holger Konzmann
Real estate investor
Adrian Kiwus
Software entrepreneur
Problem
Adrian Kiwus, a software entrepreneur from Germany, wanted to expand his real estate portfolio in Dubai. Despite his initial experience with a previously purchased apartment, he lacked knowledge of the local market and the best locations to make an informed decision.
Goal
Receive independent, data-driven advice to identify profitable real estate locations and manage the entire purchase process from Germany.
Solution
Dubai Finance provided Adrian with a neutral location analysis based on facts and figures, supported him in dealing with local banks, and coordinated all steps with the help of powers of attorney. This enabled him to make his investment without being physically present and at the same time gain a comprehensive understanding of future investments. Adrian particularly appreciates the objective advice and comprehensive service, which took the pressure off him from start to finish.
Problem
Dr. Michael Schulze, lawyer and real estate investor, faced the challenge of opening a bank account in Dubai. After a complicated and lengthy experience with local banks, he sought a professional solution that would make the process efficient and reliable.
Goal
To open a secure bank account that can be used for local transactions and as part of his asset diversification outside the EU.
Solution
Dubai Finance was able to assist Michael with opening an account in no time: within two days, the account was ready to use, including a credit card and IBAN. He particularly appreciated the clear communication and quick problem solving via WhatsApp, as well as the reliable information. Thanks to the comprehensive support, he was able to focus on his core business while expanding his investments in Dubai.
Dr. Michael Schulze
Lawyer and real estate investor
Carsten Ehm
Strategic Buyer for Medical Products
Problem
Carsten Ehm, a strategic buyer and real estate investor from Germany, wanted to become more independent with a private bank account in Dubai and diversify his assets at the same time. It was important to him that the process ran smoothly without unnecessary bureaucratic hassle.
Goal
Open a secure and straightforward bank account that serves as a basis for future investments in Dubai while offering flexibility in asset management.
Solution
Dubai Finance supported Carsten with a comprehensive service covering every step of the process, from document verification to opening an account on site. He particularly appreciated the quick response times and professional communication, which was even possible outside normal business hours via WhatsApp. Thanks to the team's expertise, he always felt well supported and was able to open his account without any problems.
Problem
Steve and Nadine decide to invest in real estate in Dubai. But getting started proved difficult: they only had contact with one real estate agent, without knowing how or where to begin. Important questions about financing, the legal framework, and the secure purchasing process remained unanswered. Their uncertainty grew—and with it, their concern about making the wrong decision. They then put the rest of the process on hold for the time being.
Goal
A clear, structured approach that not only helps them find the right property, but also ensures that the purchase process is handled securely and efficiently. They were looking for a solution that would guarantee them both financial and legal security.
Solution
Dubai Finance took care of everything—from the initial market analysis to the final purchase transaction. Through comprehensive consulting, not only was the right property found, but an optimal financing solution was also developed. In addition, Dubai Finance ensured transparent contract drafting and clarified all legal aspects to guarantee maximum security. The result: a smooth property purchase without any uncertainties and a perfect start to their new life in Dubai.
Steve und Nadine Rogowski
Real estate investors
Andreas Schlossberger
Business consultant
Problem
Andreas is the managing director of a medium-sized company in Austria and wanted to invest part of his assets in real estate in Dubai. When searching for suitable properties, he only came across off-plan offers from brokers who made quick promises but did not provide transparency about the actual figures. He lacked a sound analysis of the properties and a reliable local contact.
Goal
A secure investment in existing real estate with actual rental returns, a clear ownership structure, and real substance—without sales pressure or developer risk. Andreas wanted to secure his money, generate rental income, and be able to track his investment at any time.
Solution
Through Dubai Finance, Andreas gained access to audited existing properties with transparent figures and documented histories. We personally accompanied him throughout the entire purchase process—from location analysis and viewing to notarization and registration in the land register. Today, Andreas generates stable rental income in dirhams and has a fully secured investment outside the EU. Without Dubai Finance, he would not have had this access to the market.
Problem
Matthias is an officer in the Air Force and had been unable to find any way to open a bank account in Dubai as a private individual. In his research, he repeatedly came across the requirement to either set up a company in Dubai, be a resident, or live there permanently. As an investor from Germany, it seemed impossible for him to simply open an account.
Goal
Opening a bank account in Dubai—without setting up a company or taking up residence in Dubai—to diversify his assets outside the EU. Matthias also wanted access to multiple currencies and full control over his capital outside the European banking system.
Solution
Through Dubai Finance, Matthias was able to successfully open a bank account in Dubai as a private individual. We accompanied him personally on site from the initial consultation to the account opening. The account was opened within one day. Our employees clarified all the formalities in advance, organized the process, and accompanied him personally to the appointment. Today, Matthias uses the account for international asset diversification—including deposit options in EUR, USD, GBP, and AED. Without Dubai Finance, it would simply not have been possible for him to open such an account.
Matthias Heile
Air force officer
Our location in the heart of Dubai
Our office is exclusively located on Emaar Square in Building 6, on the 7th floor, right next to PwC and HSBC Bank. Perfectly situated in the heart of Downtown, next to the Dubai Mall and Burj Khalifa. Paid parking is available for visitors directly in front of the building.
Your bank branch in Dubai
Meet our team in person at our office. We are your bank branch in Dubai, because you can conveniently sign all the documents required for opening an account or obtaining financing at our office.
5 minutes from Dubai Mall
Our office is located in the heart of downtown Dubai and is directly connected to the Dubai Mall via the Metro Link. In just a 5-minute walk, you can combine a visit to the office with shopping in the world's largest mall.
Emaar Square
The six office buildings in Emaar Square are home to companies such as Apple, PwC, and Emaar, Dubai's largest property developer. You will also find us at Dubai Finance on the 7th floor of Building 6. One of the best locations for company headquarters and offices in Dubai.
Successfully invest in Dubai real estate - without off-plan
ISO 9001:2015 certified
Dubai Finance is a service offered by Welldomo Mortgage Broker LLC and Welldomo Valuation Real Estate LLC – both companies are ISO 9001:2015 certified, audited, and verified by the United Accreditation Foundation (UAF).
This certification stands for the highest quality standards, transparent processes, and continuous improvement of our services—particularly in the areas of consulting, real estate financing, and real estate valuation.
Company
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