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Regulated sector · Dubai

A licence does not let you sell. The card does.

In real estate, the rules sit on your people, not your paperwork. A brokerage can hold a clean DET licence, a registered office, and a sign on the door, and close zero deals until each broker is personally carded. Most owners price that layer too late.

Four regulators, two layers

Two sit on the company, two on the individual. Both must be true to trade.

The company layer

DET licence, RERA-registered

A mainland trade licence carrying the brokerage activity, then RERA registration under the Dubai Land Department.

AML as a DNFBP

goAML registration, due diligence, and suspicious-transaction reporting. Mandatory, and outside the licensing steps.

The people layer

RERA broker card, per person

DREI training, the RERA exam at 70%, a residence visa, and a good-conduct certificate. Earned by each agent.

Trakheesi permit, per listing

Every Dubai ad needs its own permit number, tied to a registered listing and a carded broker. Advertising without one is penalised.

The shape, before the number. Two layers, costed separately: the company once, the brokers per head. We scope your figure privately once we know your team size.

Licensed is not operating

What a clean licence does not buy you.

Most UAE activities are governed at company level. Brokerage is the exception: the right to list, market, and negotiate property is earned person by person.

What owners assume The DET licence means we can start selling. One certification cost covers the whole sales floor. AML is for banks, not for a brokerage. If the listing is real, we can post it anywhere.
What is actually true No deal closes until an agent holds a RERA broker card, a separate, sequential step. A five-agent firm is five full sets of training, exam, visa, and good-conduct check. Real estate is a DNFBP, so goAML and a working AML programme are mandatory. Every Dubai ad needs its own Trakheesi permit number, or it is a penalised post.
The order is the protection

The sequence that gets you trading.

Any firm can sell the trade licence fast. The order is what turns a licensed company into one that can legally sell, with the bank open and the listings live.

1
Company licensed and RERA-registered Company

A mainland DET trade licence carrying the brokerage activity, then RERA registration under the Dubai Land Department. The entity is real, but cannot yet trade.

2
AML programme genuinely in place Company

goAML registration and a working compliance programme as a DNFBP. It sits outside licensing, which is why it gets missed, and it is the first thing a bank asks to see.

3
Each broker carded before they list Per person

DREI training, the RERA exam at 70%, a residence visa, and a good-conduct certificate, per agent. This layer takes the time, and it scales with your team, not the licence.

4
Trakheesi built into the workflow Per listing

A permit number on every ad from the first post, not after a warning. Designed into the listing process, it never stalls a campaign.

The shape, not a sticker price. Costed in two parts, the company once and the broker package per agent, so where you land is a decision about team size and office, not a number off a list. We scope it privately and confirm it in writing before you commit.

The structure question

Brokerage narrows the choice for you.

For most activities, mainland versus free zone is open. For on-ground Dubai brokerage it is not: RERA registration and Trakheesi live on the mainland system. One row decides it, whether you can register with RERA at all.

A

Mainland, DET and RERA

The standard path for brokering Dubai property directly: portal listings, a RERA-registered office, and broker cards per agent. If you transact property on the ground, this is almost always where you belong.

Right for: on-ground Dubai brokerage
B

Free zone, a narrower role

A fit for property advisory, marketing, or holding activities that need no on-ground RERA brokering. Not the route for transacting Dubai property, and AML still applies wherever the activity is real estate. Confirm scope per case.

Right for: advisory, marketing, holding

The broader mainland versus free zone trade-offs are set out in full in the mainland versus free zone comparison.

Banking reality

Banks read a brokerage carefully.

UAE banks know real estate and scrutinise it for that reason: it is a DNFBP, and commission and client-money flows draw attention under anti-money-laundering rules. Expect questions on:

  • source of funds;
  • client onboarding;
  • whether any client or escrow money passes through the account.

A clean RERA registration, a working AML programme, and a plain account of how commissions are received all help the account move.

Banks make their own KYC decisions, regulated by the Central Bank of the UAE, and no advisor controls the outcome. What you control is the file. RERA and AML ready and the commission model clear, it opens in a reasonable timeframe; vague, it stalls. For how UAE corporate accounts open, see our banking page; for the DNFBP duty a brokerage carries, see our UAE AML and CFT compliance guide.

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Why founders in regulated sectors stay.

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Brokerage, answered

What owners actually ask.

Reviewed by Manish Kumar Pandey, Founder, DM Consultancy · Last reviewed June 2026

Why can a fully licensed Dubai brokerage still be unable to sell property?

Because the regulation sits on the people as much as the entity. The DET trade licence and RERA registration cover the company, but no one can list, market, or negotiate property until they personally hold a RERA broker card. You can have a clean licence, a registered office, and a sign on the door, and still close zero deals because the broker layer is not earned yet. The company and the brokers are separate, sequential steps.

What does a RERA broker card actually require?

Each broker completes the DREI (Dubai Real Estate Institute) training course and passes the RERA broker exam at a 70% pass mark. They also need a UAE residence visa under the brokerage licence and a Dubai Police good-conduct certificate. The work is per person, not per company, so it scales with your sales team rather than the licence.

Does every agent in a brokerage need to pass the RERA exam?

Yes, and this is the assumption that catches most new owners. The company licence and RERA registration cover the business, but each individual acting as a broker must hold their own card: DREI training, the RERA exam at 70%, a visa, and a good-conduct check. A five-agent firm is five full sets of certification, not one. Plan the team layer per head from the start.

Do real estate brokers in the UAE need AML registration?

Yes. Real estate brokers are classified as a DNFBP, a Designated Non-Financial Business or Profession, under UAE anti-money-laundering law. That makes goAML registration and a working AML compliance programme mandatory, not optional. Missing it is a common and serious oversight, because it sits outside the licensing and RERA steps. The duty includes customer due diligence and reporting suspicious transactions, and it is one of the first things a bank wants to see in place.

Can I advertise property listings in Dubai without a permit?

No. Every property advertisement in Dubai requires a Trakheesi permit, issued through the Dubai Land Department system and tied to a registered listing and a licensed broker. Posting on portals or social media without a valid permit number is a penalised mistake. It is how the regulator keeps marketing accountable, so the permit belongs in your listing workflow from the first post, not after a warning.

How should I plan the cost of setting up a brokerage?

Plan it in two layers, not one number. The company layer, the DET trade licence plus RERA registration, carries real office and running costs. The per-broker layer is a full package of training, exam, visa, and good-conduct certificate for every agent you employ. The mistake is pricing the licence and stopping. Count the company once, the broker package per head, and we scope your team's figure privately before you commit.

How long does it take to set up a real estate brokerage in Dubai?

The DET licence and RERA registration are the fast part, usually a few weeks once documents are clean. The broker cards are what set the real timeline, because DREI training, the RERA exam, the residence visa, and the good-conduct certificate run per agent. A solo founder can be carded reasonably quickly; a full sales floor takes longer because every head repeats the cycle. Build the team layer into your launch plan rather than treating it as a formality at the end.

Can a foreigner own 100% of a real estate brokerage in the UAE?

Yes. Real estate brokerage is a mainland DET activity that allows full foreign ownership, so you do not need an Emirati partner to hold the licence. You do need a UAE residence visa under the brokerage to qualify for a RERA broker card, and that card is what lets you personally list and transact. Ownership and the right to broker are separate questions: owning the company is open to you, and brokering still requires the personal card.

What happens if a brokerage operates or advertises without RERA cards or Trakheesi permits?

It is a compliance breach, and the Dubai Land Department and RERA enforce it. Advertising without a Trakheesi permit draws fines and removed listings; brokering without a card exposes the agent and the firm to penalties and can put the licence at risk. Banks also read these breaches as AML red flags, which can stall or close the corporate account. The cards and permits are not paperwork to chase later. They are the conditions that keep the brokerage operating.

Do off-plan and secondary market sales have different rules for brokers?

The core requirements are the same: a RERA-registered brokerage, a carded broker, and a Trakheesi permit on every advertisement. Off-plan adds layers, because selling a developer's project usually means a registered agreement with that developer and selling only RERA-approved, escrow-backed projects. Secondary, resale property turns on a valid title and the seller's authority. We confirm which path you are selling on and what each one demands before you market a single unit.
Your brokerage, specifically

The licence, the cards, the AML.
In the right order.

Tell Manish how many brokers you plan to hire and where you want to operate. Thirty minutes, no pitch. We map the DET licence, the RERA registration, the per-broker cards, the AML programme, and the Trakheesi step. If the firm fits, we proceed. If not, you leave with sharper direction than you came in with.

You work with Manish directly · info@dm-uae.com · Port Saeed, Deira, Dubai