Steven Leckie

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Steven Leckie 🇬🇧 A Dubai property expert since 2003
Associate Director

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🇬🇧 Your Trusted Dubai Property Expert
Associate Director - haus&haus Real Estate

16/10/2026

A morning of valuable insights, meaningful connections, and exciting investment opportunities!☕

The Investor Breakfast hosted by haus & haus was an incredible success, bringing together like-minded individuals to explore the future of real estate investment in Abu Dhabi.

It was a fantastic opportunity to learn more about Aldar, discovering the potential of Abu Dhabi’s growing property market, and gain valuable insights into making smarter real estate investment decisions.

Here’s to new connections, exciting opportunities, and a bright future in real estate!🏡🤝

16/10/2026

Did the conflict cause Dubai's property correction, or simply trigger a correction that was already coming?

Before the disruption, the market had experienced several years of strong growth, and with rising prices came increasing investor speculation, aggressive expectations, and buyers becoming less selective.

The conflict cooled the market and forced investors to pause, reassess, and ask more important questions:
Why am I buying this property?
Is the price justified?
Who will want it in five years?
What makes this asset genuinely scarce? 🤔📊

That's not necessarily a bad thing.
Healthy property markets need periods where prices consolidate and buyers become more disciplined. Even without the conflict, a correction may have arrived eventually, whether in 2026 or later.

The important lesson isn't predicting exactly when corrections happen. It's understanding that they will happen, and positioning your portfolio accordingly.

3 Takeaways:
📉 Corrections are a normal part of long-term property cycles.
🔍 A cooler market can force investors to become more selective.
🏡 The correction separates properties with strong fundamentals from those that were simply riding the market.

14/10/2026

What if the next big shift in Dubai real estate isn't lower prices, but making mortgages available earlier in the buying journey?

Could greater access to mortgage financing fundamentally change how Dubai's off-plan market works? 🏦🇦🇪
One of the biggest differences between Dubai and mature markets like the UK is how buyers finance off-plan property. In the UK, buyers can often commit a relatively small deposit and arrange mortgage approval ahead of completion, giving them greater certainty about how the purchase will ultimately be funded. The argument for Dubai isn't necessarily to make mortgages easier, it's to make financing more available and predictable for qualified buyers. Imagine committing to an off-plan property with a clear understanding of how much financing you could secure when the property is completed.

That could give buyers greater confidence, while potentially expanding the pool of purchasers able to participate in the market. 🏗️💰 It's an important distinction: responsible lending doesn't mean lowering standards. It means creating more certainty around financing.

3 Takeaways:
🏦 Mortgage accessibility can influence the depth of the property market.
📆 Financing certainty could make off-plan purchases more attractive to qualified buyers.
📈 A stronger mortgage market can potentially bring more buyers into the property cycle.

Do you think Dubai should make mortgage financing more accessible for off-plan buyers, provided lending standards remain strong? 👇💬

13/10/2026

Smart 1-Bedroom in JVT — Under AED 1M, Ready to Rent Out Today
Brand new, just handed over. No construction wait, no handover gamble.

📍 Why investors are looking at JVT:
• Under AED 1M entry point
• Next to E311 — easy access across Dubai
• ✈️ 20 min to Expo City & Al Maktoum International
• 🏙️ 30 min to Downtown Dubai
• 🏊 Pool + separate kids' pool, 🏋️ gym, yoga studio, lounges
• 🌳 Villa-and-townhouse community — parks, cycling paths, schools
• 🛍️ New shopping mall coming to the community

JVT has become the go-to area for buyers who want a lower entry into Dubai property without losing the family-community feel. A ready 1-bed at this price point is a genuinely rare combination right now.

DM me and I'll send you the prices and expected rental returns side by side.👉 DM me or contact:
Shahram | +971 50 645 6537 | [email protected]

12/10/2026

Are you buying the right property, or simply buying the property you can afford? 🤔💰🏡

One of the biggest mistakes investors make is starting with the property instead of starting with the objective. 🏡📊
"I have AED 1 million, and I found a studio in Business Bay for AED 1 million, so I'll buy it."
But that's not really an investment strategy. That's a budget looking for somewhere to go. 💰

If AED 1 million is the available capital, the better question is: "What is the best investment I can create with this amount?"
Could leverage make a larger property possible? Could that same budget buy a strong 1-bedroom in a different location,or potentially a 2-bedroom with better rental demand, scarcity, or long-term growth prospects? 📈🔍

Location matters, but buying somewhere simply because friends live there or because it's perceived as "the best area" doesn't necessarily make it the best investment.

The right property should be selected based on price, fundamentals, demand, rental potential, scarcity, and the investor's actual objectives, not simply because it fits the budget.

3 Takeaways:
💰 Your budget shouldn't determine the property before you've defined the strategy.
📊 Consider the entire market, not just the neighbourhood you're familiar with.
🏡 Buy for the investment fundamentals, not because it's the only property you can afford.

Do you think investors spend too much time asking "What can I buy for my budget?" instead of "What's the best investment for my budget?" 👇💬

11/10/2026

Q4 2026 started with the company meeting.
Every department did a great job in this Dubai property market, and I’m proud of the whole team.

Congratulations to .dubai.realtor on his promotion to Senior Offplan & Investment Consultant. And well done to Glen on closing his first deal earlier this year. Many more to come.

Looking at Dubai off-plan property or investment this quarter?
Book a call at stevenleckie.com.

10/10/2026

Villa or apartment. Dubai or Abu Dhabi. Live-in or rental.

These are labels, not the decision. A label doesn’t tell you whether you’re paying the right price for an off-plan villa, or whether anyone will want your exact property when you sell.

Before I recommend any villa to an investor, it has to pass four tests:

1) The buyer pool.
A 5 million dirham villa doesn’t compete for the same buyer as a 2.5 million one.
Population growth is not purchasing power.

2) Future competition.
Your villa competes with identical villas completing at the same time, at the same price.

3) Genuine scarcity.
Can a developer reproduce it easily, or is the location, plot and layout hard to replace?

4)The premium.
A great property can still be a poor investment if the launch price already assumes years of growth that hasn’t happened yet.

Most villas fail at least one.
Save this before your next shortlist.

If you’re considering a Dubai or Abu Dhabi villa investment, book a call through the link in my bio and my team and I will take it from there. The full breakdown, with the actual numbers, is on my YouTube channel.

10/10/2026

For years, estate agents have told investors to avoid JVC. Too much supply, too much construction, and a poor investment.

They have a point. But I think they’re missing something important.

Not everyone in Dubai can afford to rent or buy in Downtown, Dubai Hills or Jumeirah, and not everyone wants to. Jumeirah Village Circle serves a huge market of working professionals who want good quality homes at affordable prices. That is where rental demand comes from.

Would I buy any apartment in JVC? No. Some developments there concern me enormously. But there is a big difference between a bad investment and a bad location.

When thousands of apartments are competing for tenants, the question is not simply how many are being built. It is why somebody would choose yours.

In my latest YouTube video, I explain why I would not dismiss JVC as an investment area, which properties concern me, and what I would look for before investing in a JVC apartment, from rental yield to build quality and developer track record.

Watch the full video on my YouTube channel, and if you are weighing up JVC against other Dubai off-plan or ready property options, you can book a consultation with me through stevenleckie.com

09/10/2026

Would you buy a property just because the bank is willing to lend you the money? 🏦🏡🤔

A mortgage can make a good property investment better—but it shouldn't be the reason you buy it. 🏦📈
The financing should come after you've established that the property makes sense on its own.

Is the price right? 💰
Is the location compelling? 📍
Is the developer credible? 🏗️
Does the floor plan appeal to the right buyers? 🏡
Is there enough scarcity to support future demand? 📊
If the answers are yes, then discovering that the property also qualifies for attractive mortgage financing can be the final piece of the puzzle.
That's when leverage becomes useful, not as a way to justify buying a mediocre asset, but as a tool to potentially improve the return on capital invested.
The smartest investors don't start with "How much can the bank lend me?"
They start with "Is this actually a property worth owning?" 🔍💰

3 Takeaways:
🏦 Financing should support a good investment—not create one.
📍 Fundamentals such as location, price, scarcity, and quality come first.
📈 The right mortgage can enhance an already-strong investment thesis.

Do you think buyers focus too much on how much they can borrow and not enough on what they're actually buying? 👇💬

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