DLD data to 31 October 2026
Dubai return on cash with a mortgage
Among Dubai areas passing all five of our checks, the highest estimated return on cash with a mortgage is in Dubai Investment Park Second (+14.1% a year), Dubai Residence Complex (+12.0%) and International City Ph 1 (Warsan First) (+11.6%). This assumes 80% loan-to-value at 4.5% over 25 years, and is worked out from Dubai Land Department ready-home sales and rents from 1 January 2026 to 31 October 2026. Your own mortgage terms will change the result.
- +14.1%
- a year, Dubai Investment Park Second
- 8
- areas pass all five checks
- 80% at 4.5%
- assumed loan, 25 years
- 27.5%
- assumed cash in
Highest return, passing all five checks
| Area | On cash, a year | Checks passed | Gross yield | Net yield |
|---|---|---|---|---|
| Dubai Investment Park Second | +14.1% | 5 / 5 | 9.4% | 7.5% |
| Dubai Residence Complex | +12.0% | 5 / 5 | 8.6% | 6.9% |
| International City Ph 1 (Warsan First) | +11.6% | 5 / 5 | 8.5% | 6.8% |
| International City Ph 2 & 3 (Warsan Fourth) | +10.2% | 5 / 5 | 8.0% | 6.4% |
| Dubai Silicon Oasis | +9.7% | 5 / 5 | 7.8% | 6.3% |
| Motor City | +9.4% | 5 / 5 | 7.7% | 6.2% |
| Remraam | +9.0% | 5 / 5 | 7.6% | 6.1% |
| Arjan | +8.5% | 5 / 5 | 7.4% | 5.9% |
Highest return overall
Areas with at least 50 ready sales this year. Some miss a check, so read the checks column too.
| Area | On cash, a year | Checks passed | Gross yield | Net yield |
|---|---|---|---|---|
| Al Khail Heights | +18.8% | 4 / 5 | 11.0% | 8.8% |
| Dubai Investment Park Second | +14.1% | 5 / 5 | 9.4% | 7.5% |
| Al Barari | +14.0% | 3 / 5 | 9.3% | 7.4% |
| Dubai Residence Complex | +12.0% | 5 / 5 | 8.6% | 6.9% |
| International City Ph 1 (Warsan First) | +11.6% | 5 / 5 | 8.5% | 6.8% |
| Liwan | +11.4% | 4 / 5 | 8.4% | 6.7% |
| Dubai Production City | +11.1% | 4 / 5 | 8.3% | 6.7% |
| Majan | +10.8% | 4 / 5 | 8.2% | 6.6% |
| International City Ph 2 & 3 (Warsan Fourth) | +10.2% | 5 / 5 | 8.0% | 6.4% |
| Dubai Sports City (Al Hebiah Fourth) | +9.8% | 4 / 5 | 7.9% | 6.3% |
How to read this map
Return on cash is the rent left after mortgage interest, as a share of the cash a buyer puts in. It assumes 80% loan-to-value at 4.5% over 25 years, 27.5% cash in (deposit plus costs), and 20% of rent lost to service charges and vacancy. Ready homes only.
The five checks: rent covers the mortgage, net yield beats a 4.5% deposit, price change this year is 10% or less, at least half of contracts are renewals, and at least 50 ready sales. An area with no price change figure doesn't pass that check. This leaves out any change in the home's value.
Common questions
Which Dubai areas give the best return with a mortgage?
Among areas passing all five checks: Dubai Investment Park Second, Dubai Residence Complex, International City Ph 1 (Warsan First), with Dubai Investment Park Second at about +14.1% a year on cash, on our assumptions.
What mortgage does this assume?
80% loan-to-value at 4.5% over 25 years, with 27.5% cash in and 20% of rent lost to service charges and vacancy. Your own terms will change the result.
Is this a guaranteed return?
No. It is an estimate from area medians, and doesn't allow for your specific property, rate changes or any change in the home's value.
More Dubai maps
See all maps and how areas compare