Saudi Property Ownership FAQ (2025–2026 Guide for UK Buyers)
1. Can foreign non-residents now buy property in Saudi Arabia?
Yes. A new law approved in July 2025 allows foreign individuals, companies, and non-residents to own real estate in designated zones across Saudi Arabia. The law takes effect in January 2026, once the Implementing Regulations and zone maps are released.
2. When will the new property ownership rules officially start?
The law was published in the Official Gazette on 25 July 2025 and becomes active 180 days later — meaning late January 2026. From that date, qualified foreign buyers will be able to purchase property within authorised zones.
3. Can foreigners buy property in Makkah or Madinah?
Not yet directly. Foreign individuals are still restricted from owning property inside Makkah and Madinah.
However, foreign investors may already buy shares in listed Saudi companies that own real estate there, and the new law leaves open the possibility of leasehold or structured ownership once regulations clarify the details.
4. Which Saudi cities are likely to open first for foreign ownership?
Industry briefings suggest that Riyadh, Jeddah, Red Sea developments, Diriyah, and parts of NEOM will be among the first zones. These areas already have robust infrastructure, transparent developers, and strong government oversight.
5. How can UK buyers prepare before January 2026?
- Register with a verified Saudi property intermediary (like our company) to receive official updates.
- Prepare proof of funds and identification documents to meet compliance requirements.
- Shortlist preferred destinations and developments.
- Monitor Implementing Regulations and zone announcements expected later in 2025.
6. Will foreigners be able to get mortgages in Saudi Arabia?
Local banks are exploring new mortgage products for international buyers, but details have not yet been confirmed. Most early transactions are expected to be cash-based or financed externally until lending rules are finalised.
7. How does the Saudi law compare to Dubai’s foreign ownership system?
Similar to Dubai’s model, Saudi Arabia will designate specific ownership zones. However, Saudi’s approach is expected to be more regulated and phased, with zones opened gradually to ensure legal stability and protect national interests.
8. Is it safe to invest before the law is active?
It’s advisable to wait for Implementing Regulations before signing any binding agreements.
Our company monitors all legal updates and only introduces UK buyers to projects verified under Saudi law once the framework is fully operational.
9. What types of property will foreigners be able to buy?
The law covers residential, commercial, and mixed-use real estate. Details on freehold vs leasehold ownership will be defined in the forthcoming regulations.
10. How can UK buyers stay informed?
Register with us for official updates, legal summaries, and early access to compliant projects in Riyadh, Jeddah, Makkah, Madinah, and beyond. We provide trusted guidance exclusively for UK residents investing in Saudi property.