Matthew KimberUAE Investment Advisor
FAQ

Questions before you invest.

Clear answers on working with me, Dubai and UAE off-plan property, payment plans, risk, research and the buying process.

Working with me

What do you actually help clients with?

I help you understand the market, compare opportunities and pressure-test a project before you commit any money. We start with your objective, budget and timeframe, then weigh the location, the developer, the payment structure and the likely exit. The unit is the last decision, not the first.

See how I work
Are you a broker or an advisor?

I work as an investment advisor and director in the UAE property market. My job is to give you a research-led, honest read on what fits your goals, not to hand you a list of launches to choose from.

Do I need to know exactly what I want before I contact you?

No. Most people start with a broad aim: capital growth, rental income, diversification, or a future home. Tell me roughly what you are after and I will help you narrow the right path.

What happens after I message you?

It is simple. First I understand your objective, budget and timing. Then I share relevant research or a few questions. If there is a genuine fit, we talk through suitable options, and only then does the conversation get specific about a project.

How working together looks
Is there a fee to work with you?

In most developer-led off-plan purchases, the advisory or brokerage commission is paid by the developer, not added as a separate fee to you. If anything is different on a particular deal, I will tell you clearly before you move forward.

Dubai and UAE off-plan

What is off-plan property?

It is a property you buy before it is finished, usually directly from the developer, with the payments staged across construction and handover.

Is off-plan property risky?

It can be. The risk depends on the developer, the location, the supply coming up, the payment plan, the entry price, delivery and how easily you could sell again. My job is to filter out what does not stack up, not to pretend every launch is a good idea.

Do you only advise on Dubai?

No. I work across the UAE. Dubai is a big focus, but I will look at opportunities elsewhere in the UAE where the fundamentals and your objective make sense.

How do you decide if a project is worth looking at?

I look at the location and access, the entry price, the supply and demand around it, the infrastructure, the developer's track record, the payment plan and the realistic exit, then whether it actually fits you. If it does not clear those, it does not reach you.

My approach in full
Why not just buy directly from the developer?

A developer sells their own inventory. I compare options across the market and challenge whether a project genuinely fits your objective, which is a different job to selling you one building.

Research and reports

Are the reports free?

Yes. The reports are free to download. They are built to help you understand a market or a project before you speak to anyone, including me.

Browse the reports
What happens when I download a report?

You get the report sent to you. I may follow up to understand whether it is relevant to your goals. No pressure, and you can simply read it and decide for yourself.

Do the reports include recommendations?

They give you analysis, context and my view. The right decision still depends on your objective, budget and timeframe, which is what a conversation is for.

Can I ask you about a project that is not in the reports?

Yes. Send me whatever you are weighing up and I will help you assess whether it makes sense.

Payment plans, mortgages and fees

How do off-plan payment plans work?

Developers usually split the payments across the booking, a set of construction milestones and handover. The exact structure varies from project to project, so it is worth reading the specific plan rather than assuming.

Can I get a mortgage on an off-plan property?

Sometimes. It depends on the lender, your profile, the project and how far along it is. I can help you frame the question, but you should confirm the detail with a qualified mortgage advisor or bank.

What costs should buyers think about?

Beyond the price, think about the deposit, registration fees, any agency or advisory commission where it applies, service charges after handover, mortgage costs if you finance, and furnishing and ongoing ownership costs. I will flag the ones that matter for your situation.

Is the cheapest payment plan always best?

No. A payment plan only makes sense alongside the price, the developer's quality, the delivery risk, your exit options and your own cash flow. The easiest plan is not always the right one.

Risk, exit and after purchase

How do I know if I can exit before handover?

It depends on the project, the demand, how far through the payments you are, the developer's transfer rules, the market and how deep the resale pool is. I would never assume an exit without looking at it properly.

Do you help after purchase?

Yes, where it makes sense. I can keep advising on market context, exit thinking, resale timing and your next move, depending on your situation.

What makes a project unsuitable?

A weak entry price, a thin location story, too much nearby supply, limited exit liquidity, a developer I am not confident in, a poor layout, the wrong payment plan, or simply a mismatch with what you are trying to achieve.

What is the biggest mistake buyers make?

Buying the launch instead of the strategy. A good-looking project can still be a poor fit if the price, the payment plan, the location or the exit does not match your objective.

Still deciding

Still deciding what fits?

Start with the research, or message me directly with the project you are considering.