Government, trustee and agency costs on top of the purchase price.
Estimated fees
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Total cash needed (price + fees)
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Mortgage & affordability
Maximum borrowing (LTV) depends on your residency status and the property type. These are typical ceilings for salaried applicants — actual approval also depends on your employment status (self-employed/salaried), income, and each bank's own eligibility criteria, which can be stricter.
⚠️ For off-plan, mortgage financing typically only applies to the final payment at handover — not to the earlier construction-linked installments. If you need financing before handover, confirm with your bank whether that's possible for this specific project; it isn't always.
Maximum LTV
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Minimum down payment
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Loan amount
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Estimated monthly payment
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Rental yield & total return
Estimate the return a property could generate before you buy it.
Service charges, maintenance, insurance, vacancy allowance — optional, leave at 0 to skip.
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Gross yield
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Net yield
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Gross yield = annual rent ÷ price. Net yield also subtracts service charges and expenses — the more realistic number for comparing properties.
Total return if you hold and resell
The appreciation rate below is your own assumption, not a market prediction — nobody can guarantee future prices. Ask Grace what's realistic for a given area before relying on this.
Leave at 0% to see rental-only return.
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Total net rental income (period)
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Capital gain at resale (after commission)
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Total return over the period
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Total ROI / avg. annual return
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Average annual return is a simple average (Total ROI ÷ years), not compounded — a rough guide, not a precise annualized rate.
Equity release
Already own a property? Estimate how much cash you could release by refinancing against its current value.
Maximum LTV (refinance)
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Maximum total loan
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Cash you could release
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New estimated monthly payment
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Cash-out refinance limits sometimes run lower than purchase-mortgage LTVs — confirm the exact cap with your bank before relying on this figure.
These figures are estimates based on standard 2026 Dubai Land Department fee schedules and UAE Central Bank mortgage regulations (Circular 31/2013). Actual costs vary by bank, developer and transaction specifics — Grace and your lender will confirm exact numbers before you commit.