Dubai mortgage calculator and property ROI calculator
Work out what a purchase in Dubai really costs, what the mortgage might be and what the property could return. Everything stays in the link, so you can share it.
Mortgage calculator
Enter the price, your deposit and your lender's rate. The payment is a standard repayment mortgage over the term you choose; your bank's figures will differ slightly.
AED 2,000,000
- Monthly mortgage payment
- No mortgage
- Cash needed at purchase
- AED 2,126,720
Property ROI calculator
Add the rent you expect and the yearly running costs. We do not assume a rent: ask us for a realistic figure for a specific home.
What it adds up to
- Total acquisition cost
- AED 2,126,720
- Gross rental yield
- Add a rent
- Net rental yield
- Add a rent
- Cash-on-cash return
- Add a rent
Dubai property purchase costs: DLD fees and more
Buying in Dubai carries one-off costs on top of the price: the Dubai Land Department transfer fee, registration and trustee fees, the agency fee on most resale purchases and, with a mortgage, mortgage registration. The Dubai Land Department fees below show the date we last checked them against DLD's published service fees; the agency fee is market practice, not a DLD fee.
| DLD transfer feeLast checked 28 September 2026 | AED 80,000 |
|---|---|
| DLD admin and title deed feeLast checked 28 September 2026 | AED 520 |
| Registration trustee fee (AED 500,000 and above)includes VAT of AED 200Last checked 28 September 2026 | AED 4,200 |
| Agency feeincludes VAT of AED 2,000Market practice, not a DLD fee; negotiable | AED 42,000 |
| Total fees | AED 126,720 |
At AED 2,000,000 or more, this price may meet the Golden Visa property threshold.
Conditions change; verify with the relevant authority before relying on this. Threshold last checked: 28 September 2026
Rental yield explained: gross vs net
Gross rental yield is the year's rent divided by the purchase price. It is the figure most often quoted, and the least useful on its own.
Net rental yield takes the service charge and other yearly costs off the rent, and divides by the total acquisition cost, fees included. It is closer to what you actually keep.
ROI explained
Return on investment compares what a property earns with what it cost you. On a cash purchase, the net yield is a fair first measure.
With a mortgage, look at cash-on-cash return: the rent left after running costs and mortgage payments, divided by the cash you put in at purchase. It shows what your own money is earning. Neither figure includes any change in the property's value.
Golden Visa through property investment
The UAE offers residence visas to property investors. The ten-year Golden Visa applies above a property value threshold set by the authorities; the figure below comes from our settings. Rules change, so check the current conditions with the relevant authority before you rely on them.
Common questions about these figures
What is the difference between gross and net rental yield?
Gross yield is the annual rent divided by the purchase price. Net yield takes off the service charge and other yearly running costs, and divides by the total cost of buying, including fees. Net yield is lower and closer to what you keep.
What does cash-on-cash return measure?
It divides the rent left after running costs and mortgage payments by the cash you paid at purchase: your deposit plus buying costs. It shows the return on your own money when you use a mortgage.
Which one-off costs apply when buying property in Dubai?
The Dubai Land Department transfer fee, the title deed and registration trustee fees, usually an agency fee on resale purchases, and mortgage registration if you borrow. The calculator lists each fee with the value it uses and the date it was last checked against DLD's published fees; the agency fee is marked as market practice.
Please read
Illustrative only, not financial, tax or legal advice. The Dubai Land Department fees were checked against DLD's published service fees on the date shown beside each; the agency fee is market practice and negotiable, and bank fees are not included. Mortgage terms depend on your lender. Talk to us, and to a qualified adviser, before you commit.