Dubai has long been an attractive destination for expatriates seeking career advancement, a luxurious lifestyle, and financial benefits. With its zero personal income tax, a booming economy, and world-class infrastructure, it’s no wonder that over 240,000 Britons now call Dubai home. However, making the move is a significant decision that requires careful planning. From visa requirements and employment prospects to cost of living and legal considerations, this comprehensive guide will walk you through everything you need to know before relocating to Dubai.

Why Are More Britons Moving to Dubai?

Dubai offers a unique mix of financial incentives, professional opportunities, and lifestyle benefits. Here’s why more people are choosing to relocate:

• Tax-Free Salaries: The UAE does not impose personal income tax, allowing expatriates to take home 100% of their earnings.
• Thriving Job Market: Dubai continues to attract talent in sectors such as finance, technology, healthcare, and real estate.
• World-Class Infrastructure: A high standard of living, excellent healthcare, and modern transportation make it a convenient place to reside.
• Safe and Secure: With one of the lowest crime rates globally, Dubai is regarded as one of the safest cities in the world.
• Diverse Expatriate Community: Over 85% of Dubai’s population consists of expatriates, making it a multicultural hub with people from all over the world.
• Luxury and Leisure: From beach clubs and desert safaris to fine dining and global shopping malls, Dubai offers a high-end lifestyle.

However, despite these benefits, there are challenges. The high cost of living, strict legal regulations, and climate conditions are factors to consider before moving.

The Cost of Living in Dubai: What to Expect

While Dubai does not impose personal income tax, it is still regarded as an expensive city. Here’s a breakdown of essential living costs:

Housing Costs

The largest expense for most expatriates is rent. Dubai’s property market is highly competitive, and rent varies based on location, property size, and facilities.

• Affordable Areas: Jumeirah Village Circle (JVC), Al Barsha, Dubai Silicon Oasis (£10,000–£25,000 per year for a one-bedroom apartment)
• Mid-Range Areas: Dubai Marina, Business Bay, Downtown Dubai (£25,000–£50,000 per year)
• Luxury Areas: Palm Jumeirah, Emirates Hills (£50,000–£150,000 per year)

👉 Important Note: Unlike the UK, most landlords in Dubai require rent to be paid annually in advance. However, some allow quarterly or monthly instalments.

Utility & Internet Bills

• Electricity & Water: £120–£300 per month
• Internet & TV: £50–£150 per month
• Mobile Phone Plans: £40–£100 per month

💡 Tip: Air conditioning is essential year-round, and cooling bills can be high during summer.

Transport Costs

• Dubai Metro: £0.50–£1.50 per trip
• Taxis & Ride-Hailing: Uber and Careem rides start at £5–£10
• Car Ownership: Petrol is cheap (£30–£100 per month), but insurance and registration costs apply.

Food & Dining

• Groceries: £50–£150 per week (imported goods are significantly more expensive)
• Dining Out: A casual meal costs £10–£30, while fine dining can exceed £100 per person.

Education Costs for Expat Families

If you’re moving with children, private schooling is a must, as expatriates are not eligible for free education in government schools.

• British Curriculum Schools: £5,000–£40,000 per year
• Top Schools: GEMS Education, Dubai British School, Jumeirah English Speaking School (JESS)

Employment Opportunities in Dubai

Dubai’s economy continues to grow, attracting professionals across various industries. However, it’s essential to secure a job before moving due to visa regulations.

High-Demand Industries

The UAE government is investing heavily in key industries, making the following sectors particularly strong:

• Finance & Banking: Investment banking, fintech, corporate finance
• Technology & AI: Cybersecurity, blockchain, artificial intelligence
• Healthcare & Medical Services: Medical specialists, consultants, researchers
• Construction & Engineering: Civil engineering, architecture, project management
• Hospitality & Tourism: Luxury hotel management, events, aviation

Work Culture & Salaries

• Tax-Free Salaries: Without income tax, professionals earn significantly more than in the UK.
• Workweek: The UAE follows a Monday–Friday schedule, with weekends on Saturday and Sunday.
• Employment Packages: Many companies offer housing allowances, school fee reimbursements, and transport benefits.

How to Find a Job in Dubai

Securing employment before arrival is essential. Here’s how you can increase your chances:

• Job Portals: LinkedIn, Bayt, GulfTalent, and Naukrigulf are popular job sites.
• Networking: Dubai operates on a who-you-know basis. Attend industry networking events.
• Recruitment Agencies: Firms like Hays, Robert Walters, and Michael Page specialise in expat hiring.

💡 Tip: Some roles offer an end-of-service gratuity, similar to a retirement fund, which is paid out upon leaving the company.

Residency & Visa Options

To legally live and work in Dubai, you need a residency visa, which is typically sponsored by your employer or through investment.

Employment Visa

Most expats move to Dubai under a work visa, which is valid for 2–3 years and is renewable. Employers handle all paperwork.

Golden Visa

For investors, skilled professionals, and entrepreneurs, the Golden Visa offers 5–10 years of residency.

• Requires property investment of at least £432,000 (AED 2 million) or an advanced professional qualification.

Retirement Visa

Expats over 55 can apply for a 5-year renewable visa, provided they meet financial criteria (owning property or savings of at least £216,000).

Freelance & Digital Nomad Visas

The one-year virtual work visa allows remote workers to live in Dubai while working for overseas employers.

👉 Documents Required for Residency:

• Passport & visa application
• Emirates ID registration
• Medical examination & biometrics

Banking & Financial Planning for Expats in Dubai

One of the first things you’ll need upon arrival in Dubai is a bank account. The UAE has a highly developed banking sector with both local and international banks offering services tailored to expatriates.

How to Open a Bank Account in Dubai

Expats need a UAE residency visa to open a local bank account. If you’re waiting for visa approval, you can use an international account to transfer money.

👉 Required Documents for a Bank Account:

• Passport & residency visa copy
• Emirates ID
• Salary certificate from employer
• Proof of address (utility bill or tenancy contract)

Best Banks for Expats

Some of the most popular banks among expatriates include:

• Emirates NBD – The largest bank in Dubai, offering comprehensive expat services.
• HSBC UAE – Great for expats who need global banking access.
• ADCB (Abu Dhabi Commercial Bank) – Competitive mortgage and personal loan rates.
• Mashreq Bank – Known for online banking and digital services.

Money Transfers & International Payments

Many expats send money home regularly. While traditional banks charge high fees, services like:

• Wise (formerly TransferWise)
• Revolut
• Western Union

offer cheaper and faster transfers with better exchange rates.

Taxes & UK Financial Obligations

While Dubai has no personal income tax, British expats still need to manage UK tax obligations.

• UK Residents: If you still have financial ties to the UK (property, business, pension), you may be liable for UK tax.
• Non-Resident Status: If you live in Dubai for 183 days per year, you can apply for non-residency status, reducing UK tax liabilities.
• Pension Transfers: You can transfer a UK pension into a QROPS (Qualifying Recognised Overseas Pension Scheme) for tax efficiency.

💡 Tip: Consulting a financial planner before moving will help optimise your wealth strategy.

Buying Property & Investment Opportunities in Dubai

Dubai’s real estate market offers strong rental yields and tax-free investment opportunities, making it attractive to expats.

Should You Rent or Buy?

Many expatriates rent initially, but buying property can be a great investment.

Advantages of Buying Property in Dubai

✔ No property tax
✔ Higher rental yields (5-8%) than in the UK
✔ Option for a Golden Visa (minimum £432,000 property investment)
✔ Foreigners can buy in freehold zones

Disadvantages

❌ Large upfront costs (20-40% down payment required)
❌ Transaction fees (4% of property value for Dubai Land Department fee)

Best Areas to Buy Property in Dubai

• Affordable: Jumeirah Village Circle, Dubai Silicon Oasis (£100,000–£250,000 for apartments)
• Mid-Range: Dubai Marina, Business Bay, Jumeirah Lakes Towers (£250,000–£750,000)
• Luxury: Palm Jumeirah, Downtown Dubai, Emirates Hills (£750,000–£5 million+)

The Buying Process for Expats

1️⃣ Choose a property in a designated freehold area
2️⃣ Secure a mortgage (or prepare cash payment)
3️⃣ Sign an MOU (Memorandum of Understanding) with the seller
4️⃣ Pay the 4% Dubai Land Department fee
5️⃣ Transfer ownership via Dubai Land Department

💡 Tip: Hiring a real estate lawyer ensures a smooth and legally secure purchase.

Cultural Differences & Legal System in Dubai

Dubai is a modern, cosmopolitan city, but it follows Islamic laws and cultural customs. Understanding these is crucial to avoid legal or social issues.

Public Behavior & Social Etiquette

While Dubai is more liberal than other Middle Eastern countries, the government enforces strict public behavior laws.

❌ Public Displays of Affection (PDA): Kissing and hugging in public is not allowed.
❌ Public Intoxication: Drinking is permitted only in licensed venues. Being drunk in public can lead to arrest.
❌ Swearing & Offensive Gestures: Foul language and rude hand gestures are punishable by fines or deportation.
❌ Social Media Laws: Posting content that insults Dubai, government policies, or Islam is a criminal offense.

💡 Tip: Be mindful of local customs, especially during Ramadan, when eating and drinking in public during daylight hours is not allowed.

Legal Considerations for Expats in Dubai

The UAE has strict laws, and ignorance of the law is not an excuse. Below are key legal aspects expats need to know:

Employment Laws

• Employees need a work visa before starting any job.
• Changing jobs without employer approval can result in visa cancellation.
• Unpaid debts can result in legal action or travel bans.

Alcohol Laws

• Expats can drink only in licensed venues (hotels, clubs, bars).
• Residents must apply for an alcohol license to buy liquor from stores.
• Driving under the influence carries severe penalties.

Drug Laws

Dubai has a zero-tolerance drug policy. Even trace amounts of illegal substances in your system can result in jail time or deportation.

👉 Example Case: In 2019, a British tourist was jailed for CBD oil found in his luggage, even though it was legally purchased in the UK.

Financial & Debt Laws

• Bounced Cheques: Writing a cheque with insufficient funds is a criminal offense.
• Unpaid Loans: Non-payment of personal loans or credit cards can result in legal action.

Family & Relationship Laws

Dubai has recently relaxed some laws, but there are still important rules to follow:

• Cohabitation: Previously illegal, now allowed for unmarried couples.
• Divorce & Child Custody: Sharia law applies, impacting divorce settlements and custody rights.
• Same-Sex Relationships: LGBTQ+ relationships remain illegal.

Adjusting to Life in Dubai

Living in Dubai is exciting but requires adaptation. Here’s how to integrate smoothly:

Expat Communities & Networking

Expats in Dubai rely on networking for social connections and job opportunities.

🌍 Top Expat Networking Groups:

• British Business Group Dubai & Northern Emirates
• Internations Dubai
• Meetup Groups for Expats & Professionals

💡 Tip: Join social clubs, sports leagues, or networking events to expand your circle.

Weekend & Leisure Activities

Dubai’s lifestyle revolves around entertainment. Popular activities include:

• Desert Safaris 🚙
• Beach Clubs & Water Parks 🌊
• Brunches & Fine Dining 🍽️
• Skydiving & Adventure Sports 🪂

Climate & Weather

Dubai’s weather is hot year-round, with summer temperatures reaching 50°C. Most activities move indoors during peak summer months.

💡 Tip: Best time to move? October–April, when temperatures are cooler.

Healthcare & Insurance in Dubai

Dubai has a world-class healthcare system, but private health insurance is mandatory for all residents. Unlike the UK’s NHS, healthcare in Dubai is fully privatised, meaning expats must have insurance to cover medical expenses.

How Healthcare Works in Dubai

• Employers are required to provide health insurance for employees, but this may not cover dependents.
• Expats must arrange separate insurance for spouses and children.
• Government hospitals are available, but most expats use private hospitals and clinics for faster service.

Best Private Hospitals in Dubai

Dubai has some of the best medical facilities in the world, including:

• American Hospital Dubai – Renowned for specialist treatments.
• Mediclinic City Hospital – High-quality expat-focused care.
• King’s College Hospital Dubai – UK-affiliated with British-trained doctors.
• Cleveland Clinic Abu Dhabi – Offers advanced medical care.

Cost of Healthcare

• GP Consultation: £50–£150 per visit.
• Specialist Consultation: £150–£400 per visit.
• Health Insurance: £1,200–£5,000 per year for expat family plans.
• Maternity Care: Private hospital birth costs range from £5,000–£12,000.

💡 Tip: Check if your employer’s insurance covers dental, optical, and maternity services, as these may require additional coverage.

Education & Schooling for Expats

Dubai has over 200 private schools, offering British, American, IB (International Baccalaureate), and Indian curricula. Public schools are not an option for most expats, as they follow Arabic-based education.

Choosing the Right School

• British Curriculum Schools: Dubai British School, Jumeirah English Speaking School (JESS), GEMS Wellington Academy.
• IB Schools: Dubai International Academy, Swiss International Scientific School.
• American Schools: American School of Dubai, GEMS Dubai American Academy.

Cost of Private Education

School fees vary depending on the institution:

• Primary School: £5,000–£15,000 per year.
• Secondary School: £10,000–£40,000 per year.
• Extracurricular Activities: Sports, music, and transport fees add £1,000–£5,000 per year.

💡 Tip: Some employers cover school fees as part of expat benefits packages.

Step-by-Step Moving Checklist for Dubai

Relocating to Dubai requires careful planning. Follow this comprehensive checklist to ensure a smooth transition.

Before Moving

✅ Secure a Job Offer – Ensure your employer sponsors your visa.
✅ Apply for a UAE Residency Visa – Your employer handles this, but freelancers must apply independently.
✅ Open a UAE Bank Account – Required for salary deposits and rental agreements.
✅ Arrange Accommodation – Decide whether to rent or buy, and be prepared for upfront rent payments.
✅ Sort Out Schooling – If you have children, apply early as top schools have waiting lists.
✅ Purchase Health Insurance – Ensure it covers dependents if needed.
✅ Plan Your Finances – Consider currency exchange services for transferring funds from the UK.

Packing & Logistics

✅ Ship Your Belongings – Use international moving companies like DHL, Crown Relocations, or AGS Movers.
✅ Sort Out UK Affairs – Cancel subscriptions, direct debits, and inform HMRC of your move.
✅ Get Your Documents in Order – Required paperwork includes:

• Passport (valid for at least 6 months).
• UAE Residency Visa.
• Emirates ID (issued in Dubai).
• Marriage & Birth Certificates (if relocating with family).

Upon Arrival in Dubai

✅ Collect Your Emirates ID – This is mandatory for everything from banking to renting a property.
✅ Find Long-Term Housing – If you start with a hotel or Airbnb, use this time to finalise a rental or purchase.
✅ Sort Out Transport – Buy or lease a car, or get a Dubai Metro Nol Card for public transport.
✅ Familiarise Yourself with Dubai Laws – Avoid accidental legal infractions.

💡 Tip: Join expat Facebook groups, LinkedIn communities, and professional networks to settle in quickly.

Comparing Life in Dubai vs. the UK

Dubai offers a vastly different lifestyle from the UK. Here’s a comparison across key categories:

Factor	Dubai	UK
Weather	Hot year-round, 40°C+ in summer ☀️	Cold winters, mild summers 🌧️
Taxation	No personal income tax 💰	Up to 45% income tax 💸
Healthcare	Private, employer-provided insurance required 🏥	Free NHS access 🏥
Education	Expensive private schools 🎓	Free state education 📚
Cost of Living	Higher rent & luxury expenses 🏠	Higher taxes, but cheaper education & healthcare 💷
Transport	Metro, taxis, and cheap petrol 🚇	Expensive fuel, good public transport 🚉
Safety	Extremely safe, low crime 🚔	Generally safe, but higher crime rates 🔒

Verdict: Dubai is great for career-driven professionals seeking higher earnings and luxury living, while the UK offers stability, free education, and healthcare.

Pros & Cons of Moving to Dubai

✅ Pros

✔ Tax-Free Salaries – Earn significantly more than in the UK.
✔ Global Career Opportunities – Thriving industries like finance, tech, and hospitality.
✔ Luxury Lifestyle – Beaches, fine dining, and high-end shopping.
✔ Safety & Security – One of the safest cities globally.
✔ Cultural Diversity – A truly international community.

❌ Cons

❌ High Cost of Living – Rent and school fees are expensive.
❌ Extreme Heat – Summers exceed 40°C, making outdoor activities difficult.
❌ Legal Restrictions – Strict laws on public behavior, alcohol, and debt.
❌ Work Culture – Competitive job market and long working hours in some industries.
❌ Social Adjustments – Adapting to Islamic customs and regulations.

💡 Final Tip: Visit Dubai before committing to a move to experience the lifestyle firsthand.

Moving To Dubai: The Cliffs Notes

Moving to Dubai offers life-changing opportunities, but preparation is essential. Whether you’re making the move for work, investment, or lifestyle, knowing what to expect ensures a smooth transition.

Top Takeaways:

✅ Secure a job before moving – Work visas are linked to employment.
✅ Plan your budget carefully – Rent, school fees, and utilities add up quickly.
✅ Understand cultural differences – Dubai is modern but follows Islamic laws.
✅ Think long-term – Will Dubai be a stepping stone or a permanent home?

🚀 Next Steps? Speak to relocation experts, financial planners, or Dubai expats to finalise your plans. Blacktower’s Dubai offices ensure we’re perfectly positioned to help Brits moving to Dubai navigate the transition. Get in touch today to speak to an adviser and find out how to manage and maximise your finances during a move. 

Important Notice: The information provided in this guide is for general informational purposes only and should not be considered financial, tax, or legal advice. Blacktower Financial Management does not provide tax advisory services, and we strongly recommend seeking professional tax advice from a qualified expert in your country of residence before making any financial decisions.