Is Co-Ownership the Future of Buying Property in Dubai?

Dubai’s real estate market continues to evolve, setting some new standards on a daily basis, making property investment more accessible than ever.

To make things even better, a new platform called Shard is introducing a co-ownership model, which will allow up to eight investors to jointly own a property, with all their names on the title deed.

But how does it work, and is co-ownership the right investment strategy for you?

How does Shard’s co-ownership model work?

Traditionally, investing in real estate required buying an entire property outright with a mortgage, payment plan or cash, often demanding a significant financial commitment.

With Shard’s model, investors can purchase a 1/8 share of a home, with prices starting at AED 200,000.

Each investor receives:

• A legal share of the property is listed on the Dubai Land Department title deed.
• A right to stay in the property for at least 44 days per year.
• A hassle-free investment experience, as Shard handles management, scheduling, and even reselling.

This model is giving buyers the chance to have homeownership, the financial flexibility of an investment fund, and a new way to enter Dubai’s booming real estate market, all in one!

Why is co-ownership gaining popularity?

Since Dubai’s real estate sector has seen rapid growth in recent years, driven by rising property values and investor-friendly policies like the Golden Visa, which requires a minimum of AED 2 million in property investment – it’s still not been easy for many investors to dip their feet into the market, whether that’s due to financial strain or other reasons.

But now, with co-ownership, the investors get a chance to:

• Diversify their portfolios – by owning shares in multiple properties instead of putting all their capital into one.
• Limit financial strain – while still benefiting from Dubai’s appreciating property market.
• Enjoy the perks of a luxury home – without the full cost or responsibility of ownership.

The Dubai Land Department (DLD) now permits up to eight non-relatives to be on a single title deed, making this model legally secure and increasing accessibility for a wider pool of investors.

Will co-ownership become mainstream?

For now, co-ownership remains a niche investment strategy, but that could change as more players enter the market.

With property prices continuing to rise, fractional ownership might become the best way for investors to get a foothold in Dubai’s real estate market without taking on the financial burden of full ownership.

Shard’s entry into the market will open up room for a shift towards more flexible, tech-driven real estate investment models. Whether you’re a first-time investor, an expat looking for a vacation home, or someone wanting to test the market before making a larger purchase, co-ownership could be an appealing option.

Is co-ownership right for you?

If you’re looking for a way to own property in Dubai without the high upfront costs, co-ownership could be the perfect solution.

While it may not replace traditional property purchases, it offers a unique alternative for investors who want to test the market, diversify their holdings, or enjoy a luxury home without full-time ownership responsibilities.

So, are you thinking about it? You can start by browsing some of our top live listings!