My Dubai Rent takes you inside a reader's home to have a look at what they get for their money, how much they pay in rent and asks them what they like and don't like
IT director Andreas Selwood and his wife Rowena, a landscape architect and artist, faced a potentially huge rent increase at their previous villa in Dubai.
So they found a new four-bedroom, three-bathroom home nearby for Dh60,000 less than was being demanded by their old landlord.
Five years on, they remain in the Jumeirah 3 single-storey house, with plenty of space for their eight cats, on the same annual rent amount.
Mr Selwood, 55, took The National on a tour to show why the couple don’t plan on moving anywhere else.
Where did you live before?
In Jumeirah 3, close to Safa Park. We did not really want to leave, but the property company wanted to increase the rent from Dh155,000 to Dh185,000 with no extra benefits or refurbishment.
It was a three-bedroom, semi-detached, single-storey, 35-plus-year-old villa in a compound of 23 with a lovely shared pool, which we had almost exclusive use of.
It was a great location for us, but the rent was just way too high for the quality of the villa. People pay over the odds, I think, and because they keep paying over the odds, landlords think they can keep getting it, and it keeps going up.
Tell us about this home
We wanted to stay in the area and were lucky enough to find our current four-bedroom, detached villa for Dh125,000.
It didn’t have a pool, something we knew we’d miss, but a saving of Dh60,000 per year was too good to turn down. We did look further afield, but did not find anything better for us than this.
As part of the agreement for the low rent, our landlord insisted we pay for all maintenance. Having the flexibility to repair what we wanted, when we wanted with the quality we wanted was also a bonus.
Too often we’d heard tales of landlords failing to cover maintenance charges, or replacing items with substandard products, especially when the substandard product meant it fell within the cost bracket for the tenant to cover.
What are the advantages of the area?
We live about halfway between Al Wasl and Beach Road, and close to Umm Al Sheif junction on to Sheikh Zayed Road which gives excellent access to the E44. It’s just so convenient, ideally placed between the Creek area and Dubai Marina, giving us easy access to most of coastal Dubai.
The beach and Dubai Offshore Sailing Club are just a seven-minute walk away, and we have Spinneys, Choithram and Union Coop supermarkets within a 10-minute drive, and a newly opened Carrefour only two and a half-minute walk.
The newly built cycle track that runs between the canal and Jumeirah Beach Hotel is also a bonus to me as a keen cyclist.
How have you personalised your home?
We changed internal and external lights, removed old A/C units and ceiling vents, and replaced manhole covers.
We have also added a shade sail to one area that means, with the help of an external A/C unit, we can sit in our courtyard all year round, setting up a TV on one wall to enjoy French Open tennis and Wimbledon.
We have also populated our garden with plants and trees that attract birds, bees and help cool the garden as well as being a great play area for the cats.
We have also benefited from many established trees providing character and shade.
What key benefits are there to the property?
Value for money and quality of life.
The main benefit is its internal flexibility. Four bedrooms mean we have an extra store room – as well as a “maids room” – a spare bedroom and the fourth room swaps between our gym and cat quarantine area.
Rescuing cats is one of my wife’s passions. We have rescued 24 so far and managed to find homes for almost all of them. We currently have eight – six permanent residents and two rescues that will be flying to Scotland soon.
The property has a good-sized kitchen so there is space to feed all the cats in one area, and the open plan nature of the lounge, dining area and study area means there is plenty of space for all the cats to play and sleep while still being together and with us.
What do you like about the area?
All our cats are allowed outside to wander as they please so the advantage of a fully detached villa means there are lots of areas in the garden for them to run around.
That, added to the fact we are not too close to a main road, gives us a good level of safety for them when they wander off.
We know our immediate neighbours. I’ve spent many an evening knocking on their door saying: “Can I check your garden for my cat?”
Are there any downsides to living there?
The only downside we can possibly think of is that most of our friends live in villas farther inland – mainly, I guess, so they get more space for their money. It is always a bit of a trek to visit them.
As it is just the two of us living here – plus up to 10 cats at one time – we don’t need a large villa, but do need outside space for us and the cats to enjoy.
Do you plan to stay in the property?
If we could buy it, we probably would. We will stay for as long as we’re allowed to.
When we get kicked out, we would initially look for something in the same area. We love being close to the beach, being in the middle of Dubai.
We don’t want to be far away from things we enjoy doing on a day-to-day basis.
Three trading apps to try
Sharad Nair recommends three investment apps for UAE residents:
- For beginners or people who want to start investing with limited capital, Mr Nair suggests eToro. “The low fees and low minimum balance requirements make the platform more accessible,” he says. “The user interface is straightforward to understand and operate, while its social element may help ease beginners into the idea of investing money by looking to a virtual community.”
- If you’re an experienced investor, and have $10,000 or more to invest, consider Saxo Bank. “Saxo Bank offers a more comprehensive trading platform with advanced features and insight for more experienced users. It offers a more personalised approach to opening and operating an account on their platform,” he says.
- Finally, StashAway could work for those who want a hands-off approach to their investing. “It removes one of the biggest challenges for novice traders: picking the securities in their portfolio,” Mr Nair says. “A goal-based approach or view towards investing can help motivate residents who may usually shy away from investment platforms.”
Ten tax points to be aware of in 2026
1. Domestic VAT refund amendments: request your refund within five years
If a business does not apply for the refund on time, they lose their credit.
2. E-invoicing in the UAE
Businesses should continue preparing for the implementation of e-invoicing in the UAE, with 2026 a preparation and transition period ahead of phased mandatory adoption.
3. More tax audits
Tax authorities are increasingly using data already available across multiple filings to identify audit risks.
4. More beneficial VAT and excise tax penalty regime
Tax disputes are expected to become more frequent and more structured, with clearer administrative objection and appeal processes. The UAE has adopted a new penalty regime for VAT and excise disputes, which now mirrors the penalty regime for corporate tax.
5. Greater emphasis on statutory audit
There is a greater need for the accuracy of financial statements. The International Financial Reporting Standards standards need to be strictly adhered to and, as a result, the quality of the audits will need to increase.
6. Further transfer pricing enforcement
Transfer pricing enforcement, which refers to the practice of establishing prices for internal transactions between related entities, is expected to broaden in scope. The UAE will shortly open the possibility to negotiate advance pricing agreements, or essentially rulings for transfer pricing purposes.
7. Limited time periods for audits
Recent amendments also introduce a default five-year limitation period for tax audits and assessments, subject to specific statutory exceptions. While the standard audit and assessment period is five years, this may be extended to up to 15 years in cases involving fraud or tax evasion.
8. Pillar 2 implementation
Many multinational groups will begin to feel the practical effect of the Domestic Minimum Top-Up Tax (DMTT), the UAE's implementation of the OECD’s global minimum tax under Pillar 2. While the rules apply for financial years starting on or after January 1, 2025, it is 2026 that marks the transition to an operational phase.
9. Reduced compliance obligations for imported goods and services
Businesses that apply the reverse-charge mechanism for VAT purposes in the UAE may benefit from reduced compliance obligations.
10. Substance and CbC reporting focus
Tax authorities are expected to continue strengthening the enforcement of economic substance and Country-by-Country (CbC) reporting frameworks. In the UAE, these regimes are increasingly being used as risk-assessment tools, providing tax authorities with a comprehensive view of multinational groups’ global footprints and enabling them to assess whether profits are aligned with real economic activity.
Contributed by Thomas Vanhee and Hend Rashwan, Aurifer
The National's picks
4.35pm: Tilal Al Khalediah
5.10pm: Continous
5.45pm: Raging Torrent
6.20pm: West Acre
7pm: Flood Zone
7.40pm: Straight No Chaser
8.15pm: Romantic Warrior
8.50pm: Calandogan
9.30pm: Forever Young
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What the law says
Micro-retirement is not a recognised concept or employment status under Federal Decree Law No. 33 of 2021 on the Regulation of Labour Relations (as amended) (UAE Labour Law). As such, it reflects a voluntary work-life balance practice, rather than a recognised legal employment category, according to Dilini Loku, senior associate for law firm Gateley Middle East.
“Some companies may offer formal sabbatical policies or career break programmes; however, beyond such arrangements, there is no automatic right or statutory entitlement to extended breaks,” she explains.
“Any leave taken beyond statutory entitlements, such as annual leave, is typically regarded as unpaid leave in accordance with Article 33 of the UAE Labour Law. While employees may legally take unpaid leave, such requests are subject to the employer’s discretion and require approval.”
If an employee resigns to pursue micro-retirement, the employment contract is terminated, and the employer is under no legal obligation to rehire the employee in the future unless specific contractual agreements are in place (such as return-to-work arrangements), which are generally uncommon, Ms Loku adds.
Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
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Muslim Council of Elders condemns terrorism on religious sites
The Muslim Council of Elders has strongly condemned the criminal attacks on religious sites in Britain.
It firmly rejected “acts of terrorism, which constitute a flagrant violation of the sanctity of houses of worship”.
“Attacking places of worship is a form of terrorism and extremism that threatens peace and stability within societies,” it said.
The council also warned against the rise of hate speech, racism, extremism and Islamophobia. It urged the international community to join efforts to promote tolerance and peaceful coexistence.
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Who's who in Yemen conflict
Houthis: Iran-backed rebels who occupy Sanaa and run unrecognised government
Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council
Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south
Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory
'The Batman'
Stars:Robert Pattinson
Director:Matt Reeves
Rating: 5/5
The specs
Engine: 3.8-litre V6
Power: 295hp at 6,000rpm
Torque: 355Nm at 5,200rpm
Transmission: 8-speed auto
Fuel consumption: 10.7L/100km
Price: Dh179,999-plus
On sale: now
The biog:
Favourite book: The Leader Who Had No Title by Robin Sharma
Pet Peeve: Racism
Proudest moment: Graduating from Sorbonne
What puts her off: Dishonesty in all its forms
Happiest period in her life: The beginning of her 30s
Favourite movie: "I have two. The Pursuit of Happiness and Homeless to Harvard"
Role model: Everyone. A child can be my role model
Slogan: The queen of peace, love and positive energy
UAE currency: the story behind the money in your pockets
The Details
Article 15
Produced by: Carnival Cinemas, Zee Studios
Directed by: Anubhav Sinha
Starring: Ayushmann Khurrana, Kumud Mishra, Manoj Pahwa, Sayani Gupta, Zeeshan Ayyub
Our rating: 4/5
Our family matters legal consultant
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
Other acts on the Jazz Garden bill
Sharrie Williams
The American singer is hugely respected in blues circles due to her passionate vocals and songwriting. Born and raised in Michigan, Williams began recording and touring as a teenage gospel singer. Her career took off with the blues band The Wiseguys. Such was the acclaim of their live shows that they toured throughout Europe and in Africa. As a solo artist, Williams has also collaborated with the likes of the late Dizzy Gillespie, Van Morrison and Mavis Staples.
Lin Rountree
An accomplished smooth jazz artist who blends his chilled approach with R‘n’B. Trained at the Duke Ellington School of the Arts in Washington, DC, Rountree formed his own band in 2004. He has also recorded with the likes of Kem, Dwele and Conya Doss. He comes to Dubai on the back of his new single Pass The Groove, from his forthcoming 2018 album Stronger Still, which may follow his five previous solo albums in cracking the top 10 of the US jazz charts.
Anita Williams
Dubai-based singer Anita Williams will open the night with a set of covers and swing, jazz and blues standards that made her an in-demand singer across the emirate. The Irish singer has been performing in Dubai since 2008 at venues such as MusicHall and Voda Bar. Her Jazz Garden appearance is career highlight as she will use the event to perform the original song Big Blue Eyes, the single from her debut solo album, due for release soon.
The candidates
Dr Ayham Ammora, scientist and business executive
Ali Azeem, business leader
Tony Booth, professor of education
Lord Browne, former BP chief executive
Dr Mohamed El-Erian, economist
Professor Wyn Evans, astrophysicist
Dr Mark Mann, scientist
Gina MIller, anti-Brexit campaigner
Lord Smith, former Cabinet minister
Sandi Toksvig, broadcaster
Joy%20Ride%20
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Diriyah%20project%20at%20a%20glance
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The%20specs
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All about the Sevens
Cape Town Sevens on Saturday and Sunday: Pools A – South Africa, Kenya, France, Russia; B – New Zealand, Australia, Spain, United States; C – England, Scotland, Argentina, Uganda; D – Fiji, Samoa, Canada, Wales
HSBC World Sevens Series standing after first leg in Dubai 1 South Africa; 2 New Zealand; 3 England; 4 Fiji; 5 Australia; 6 Samoa; 7 Kenya; 8 Scotland; 9 France; 10 Spain; 11 Argentina; 12 Canada; 13 Wales; 14 Uganda; 15 United States; 16 Russia