Jack GallowayDubai Real Estate

Tools

Dubai Investment Property Calculator

You don’t buy the yield. You buy the underlying asset.

Most calculators show you a gross rental yield and stop there. This one goes further: full acquisition costs (DLD fees, mortgage registration, agent commission), the real monthly mortgage breakdown if you’re financing, and every ongoing cost that actually eats into your return — service charges, vacancy, management fees, maintenance, insurance. Run the numbers on any Dubai property in under a minute and see what you’d actually walk away with at exit, not just what the listing promises.

If you’re financing the purchase, the calculator models your deposit, mortgage rate and term against the real running costs of ownership — so you can see cash flow, not just yield on paper. And if you’re planning to sell down the line, it shows you the exit picture too: selling costs, any outstanding mortgage to settle, and your net proceeds — the full round trip, not half the story.

Headline

Annualised return

5.1%

over 5 years

Total ROI on cash

28.0%

Gross rental yield

6.00%

Cash required upfront

AED 711,320

Inputs

The Property

Is this property on the Title Deed, or still on Oqood?
(Oqood is the interim register used for an off-plan or not-yet-fully-transferred property before Dubai Land Department issues the final Title Deed. Fees differ slightly between the two.)

Financing

Timeline & Assumptions

Acquisition

Deposit / equityAED 600,000
Mortgage amountAED 900,000
DLD transfer fee (4%)AED 60,580

(4% + AED 580 Title Deed administration fee)

Buyer broker fee (2% + VAT)AED 31,500
Registration trustee feeAED 4,200

(Title Deed rate, since purchase price is AED 500,000 or above)

Mortgage registration (0.25%)AED 2,540

(0.25% of the mortgage amount plus a flat AED 290 DLD fee)

Mortgage administration feeAED 2,500

(Bank-charged arrangement/processing fee — varies by lender.)

Bank / valuation / misc.AED 10,000
Furnishing budgetAED 0
Total cash investedAED 711,320

Year one

Annual mortgage paymentAED 63,136
Annual service chargeAED 24,000
NOI before financeAED 56,500
Cash-on-cash ROI (interest only)1.30%
Cash yield after full debt service-1.31%
Balance after Year 1−AED 9,345you top up

Exit

Projected sale price (year 5)AED 1,738,911
Mortgage balance at exitAED 797,222
Selling broker costAED 0
NOC fee (on sale)AED 0

(Developer/OA no-objection certificate to clear service charges before transfer.)

Early settlement feeAED 7,972

(1% of the outstanding balance, capped at AED 10,000)

Blocking feeAED 1,545

(AED 1,020 DLD + AED 525 Registration Trustee — charged to temporarily block the title while the buyer's funds settle your outstanding mortgage)

Mortgage discharge feeAED 1,605

(AED 1,290 DLD + AED 315 Registration Trustee — conventional mortgage discharge)

Total exit costsAED 11,122
Net cash on saleAED 930,567

Total return

Cumulative cash flow over holdAED -19,855
Total cash investedAED 711,320
Total profitAED 199,392
Total ROI on cash invested28.0%
Annualised return (CAGR)5.1%

Want a second opinion on this deal, or a property to run through it?

Send these numbers to Jack

This calculator is for illustrative purposes only and does not constitute financial, legal, or tax advice. Figures are estimates based on the assumptions entered and standard Dubai market fee conventions; actual costs, fees, and returns will vary by transaction, lender, and developer. Please seek independent professional advice before making an investment decision.