Stake review: DFSA-regulated fractional property in Dubai

Who runs Stake

Stake’s fractional property investments are offered by Stake Properties Limited, a company in the Dubai International Financial Centre (DIFC). Its terms of use say it is “authorised and regulated by the Dubai Financial Services Authority (DFSA) as an Operator of a Property Investment Crowdfunding Platform”, registration number F005879, and the footer adds that the DFSA has imposed no regulatory restriction on Stake at present. Stake also holds a DFSA Islamic Finance Window endorsement, and its help centre says Stake is headquartered in the DIFC.

Stake links to its entry in the DFSA public register, but the DFSA website showed us a block page, so the licence number comes from Stake’s own pages. All facts in this review were checked on 18 October 2026.

Stake also sells Saudi real-estate funds through a separate company with a Capital Market Authority FinTech Lab permit (05-53-2023). Stake’s pages give that company two different names, and the funds are sold only in the app, so this review covers the Dubai properties.

What you own

When you invest, you buy shares of a special purpose vehicle (SPV) registered in the DIFC that holds the title deed of one property. You do not own the property directly. Stake says its investments are meant to be held for an investment period of 5 years and are not listed. Your share of the rent, after property costs and Stake’s annual fees, goes to your Stake wallet; Stake aims to pay it weekly.

Minimum and limits

You can start with AED 500 per property. Retail clients can invest up to AED 183,500 in one property and AED 367,000 a year in total.

Fees

• Entry: a 1.5% acquisition fee and a 0.2% KYC and AML fee, both included in the amount you invest.
• Every year: an administration fee of 0.25% (0.5% for properties listed before 3 December 2025) and, from year 2, a 0.1% KYC and AML fee, deducted from your rent.
• Exit: 2.5% of the final sale price — also when you sell in an exit window.

Property transaction costs, such as Dubai Land Department transfer fees and trustee and brokerage fees, are added to the purchase price of each property; Stake says it does not charge them itself.

Getting your money out

• Exit windows: twice a year, for two weeks in May and in November. You can list shares after a one-year lock-in, at the current valuation or up to 20% below it. Stake warns that you may not be able to exit early.
• Sale vote: if a property’s return passes 50%, Stake starts a vote among the investors on selling it. The properties page instead mentions selling early at +30%, so Stake’s pages are not consistent on this point.
• Cancelling: you can cancel within 48 hours of investing and again within 48 hours after the property is fully funded.
• Wallet withdrawals: by bank transfer to an account in your name, in 1–2 business days locally or 5–7 internationally. Stake charges nothing, except 2.5% on money deposited by debit card and withdrawn without being invested.

Deposits

Bank transfer (local transfers take 1–2 business days; Wise can be used) or debit card (instant). Credit cards are only for Professional clients. Wallet money is held in segregated accounts at Emirates NBD under the DFSA Client Money Rules.

Who can invest

Stake accepts residents and non-residents of the UAE, but not residents of Bangladesh, Cuba, Iran, Libya, Myanmar, Nigeria, North Korea, Syria or Yemen. Holders of Libyan, Nigerian, Ugandan and Yemeni passports must live in the UAE to register.

Returns: Stake’s own projections

Stake says it aims for a total return “of up to 10-12% annualized” over a property’s holding period, and each listing shows its own yearly return figure. These are Stake’s projections, not promises. Its key-risks page says your capital is at risk and that properties may be sold at a loss.

What we could not confirm

The DFSA register entry, and which Saudi company holds the CMA permit. We have not tested Stake with our own account yet; this review will be updated when we do.