Mortgage ROI
Mortgage ROI Calculator
See your real return on a property purchase — not just the mortgage payment, but the equity you build each year plus the net rental income after that mortgage is paid, expressed as a percentage of the cash you actually put in. Every number updates in real time as you adjust.
Mortgage
Property Details
Loan Amount
AED 800,000
Type to override, or expand below to adjust rate and term.
Your Real Return
Year-1 Equity Gained
AED 19,156
Principal repaid from your mortgage
Annual Cash Flow
—
Net rent minus mortgage payments
Real ROI on Your Cash
—
(Equity + cash flow) ÷ total cash invested
↑ Open the Rental Analysis section above to see your full ROI with cash-flow figures.
Monthly Mortgage
AED 4,201
Total Cash Required
AED 267,200
Monthly Cash Flow
—
Net Yield
—
Purchase Cost Breakdown
Show details
| Property Value | AED 1,000,000 |
| Down Payment (20%) | AED 200,000 |
| Loan Amount | AED 800,000 |
| DLD Transfer Fee (4%) | AED 40,000 |
| Agency Commission (2% + 5% VAT) | AED 21,000 |
| Mortgage Registration (0.25%) | AED 2,000 |
| Registration Trustee (fixed + 5% VAT) | AED 4,200 |
| Total Transaction Fees | AED 67,200 |
| Total Initial Cash Required | AED 267,200 |
Based on standard DLD rates and typical agency terms. Actual fees may vary. Confirm final figures with your agent before committing.
Full Report
Get your complete property finance analysis.
Your report includes a full month-by-month amortization schedule for the entire loan term, a detailed transaction cost breakdown, and a rental analysis — generated from your specific numbers and formatted for print. Enter your details to receive it.