About me
With a master’s degree from Harvard University and a background in private banking at J.P. Morgan in London, I have worked closely with high-net-worth individuals, understanding their unique needs in wealth management, strategic investments, and exclusive real estate acquisitions. My experience therefore gives me a strategic edge in identifying high-yield investment opportunities in Dubai’s luxury market.
Key services
INDIVIDUAL INVESTMENT ADVISORY
Tailored help to find a property that meets your needs and requirements. Then go through every single step of the purchase.
DOCUMENTS AND LAW ADVISORY
Arrangement of Emirates residency ID, residency or investor VISA and bank account opening.
FINANCIAL PLANNING & MORTGAGE ADVISORY
Assistance with arranging a mortgage in Dubai and going through payment plans options.
PREMIUM AFTER-SALE SERVICE
Property registration and handover handling. You will not be left alone in this process.
PROPERTY MANAGEMENT & RENTAL SERVICES
Short and long term rentals arrangements, continuance maintenance.
INTERIOR DESIGN AND PLANNING
Some apartments come semi-furnitured thus ensuring the apartment is fully equipped to your standards.
How does the purchase work?
1. CHOOSE AND RESERVE
Select and reserve your property. Your personal documents and information are sent to the developer to prepare the contract documents.
2. PURCHASE AGREEMENT
Within approximately 30 days, you are registered in the Land Registry and will receive the printed purchase agreement from the DLD (Dubai Land Department), which you sign and return back.
3. PAYMENT OF THE 1ST INSTALLMENT
Pay 10%–20% of the purchase price + 4% acquisition fees (for registration in the Land Registry, also known as the DLD fee).
4. PURCHASE AGREEMENT
Within approximately 30 days, you are registered in the Land Registry and will receive the printed purchase agreement from the Dubai Land Department, which you sign and return.
5. INSTALLMENTS, HANDOVER, AND FINAL PAYMENT
During construction, you pay regular installments, and the remaining amount is paid upon completion. It’s possible to apply for a mortgage in Dubai of up to 50% for non-residents (up to 85% for residents).
6. RELAX AND ENJOY
Either enjoy your new home, or a short/long-term rental system can be arranged for you when you’re not using the apartment.
Why Dubai?
Dubai is a strategic global hub offering tax-free income, no capital gains tax, and full foreign ownership in free zones. Its real estate market provides high rental yields and strong demand from a growing expat population. The city boasts world-class infrastructure, safety, and political stability, making it attractive for both business and lifestyle. Dubai’s diversified economy spans tourism, finance, tech, and logistics, reducing reliance on oil. No property tax. Ongoing government initiatives like Vision 2040 ensure long-term growth and investor confidence.
1. TAX ADVANTAGES
With no property, capital gains, personal income tax, or income tax on rental income — and investor-friendly tax policies, including no restrictions on capital repatriation — Dubai stands out as one of the world’s most attractive investment hubs.
2. HIGH RENTAL YIELDS
Dubai offers some of the highest property rental returns globally, ranging from 6% to 10%, depending on location and rental duration (short-term vs. long-term).
3. 100% FOREIGN OWNERSHIP
Investors can fully own property and businesses in areas known as freehold zones.
4. CURRENCY STABILITY
The UAE dirham is pegged to the US dollar, which ensures currency stability.
5. STRONG INFRASTRUCTURE & SAFETY
World-class infrastructure, low crime rates, and political stability enhance long-term investment security.
6. GOVERNMENT-LED GROWTH
Initiatives like Vision 2040 and Expo legacy projects ensure continued development, demand, and innovation.
7. EVERYTHING IS ONLINE
No need to stress about needing to visit Dubai to handle purchase, everything is accessible online.
8. TOURISM & GROWING POPULATION
Selected ultra-luxury properties
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Contact me
NICOLA ZIVOTSKA ALM
E-mail: info@niki.estate
UAE: +971 585 681 505
CZ: +420 724 661 505
UK: +44 7460 464343
