Should I use a mortgage to boost my returns in Dubai, or pay cash?

If your mortgage rate (about 4.5-5.5% in 2026) sits below your rental yield plus appreciation, leverage creates a positive spread and amplifies the return on your own cash. One cited example: 25% down on a property appreciating 10% can return roughly 40% on invested capital versus 10% paying cash. Remember leverage magnifies losses too. Not financial advice.