The Legends Real Estate
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35 · The Legends portfolio expansion lab

Turn today’s equity into a controlled path to the next property.

Model what a refinance could release, preserve a deliberate equity and cash buffer, then test the purchase ceiling for your next Dubai property.

01Current property

Use a planning value and the mortgage balance still outstanding.

02Refinance boundary

Your protected-equity setting can make the model more conservative than the entered maximum LTV.

03Next purchase

Select a published target above or enter a planning purchase price.

Advanced mortgage assumptions

Equity control

See what stays in the first property and what can move.

Current equityAED 1,800,000
Equity retainedAED 900,000
Modeled refinance facilityAED 2,100,000
Cash released after mortgage and feesAED 885,000
Cash after refinanceAED 1,385,000
Reserve gap after refinanceAED 0

Next-property ledger

Connect the target price to cash, finance and monthly debt.

Target purchase priceAED 4,000,000
Modeled next mortgageAED 3,000,000
Buying costsAED 280,000
Cash required for targetAED 1,280,000
Target cash gapAED 95,000
Combined modeled monthly debtAED 29,679
Combined portfolio LTV72.9%

Valuation sensitivity

One expansion plan. Three valuations of the current property.

10% lower valuationAED 2,700,000
Cash released after mortgage and fees
AED 675,000
Purchase cash available
AED 975,000
Maximum next purchase
AED 3,046,875
Target cash gap
AED 305,000
Combined modeled monthly debt
AED 28,379
Entered valuationAED 3,000,000
Cash released after mortgage and fees
AED 885,000
Purchase cash available
AED 1,185,000
Maximum next purchase
AED 3,703,125
Target cash gap
AED 95,000
Combined modeled monthly debt
AED 29,679
5% higher valuationAED 3,150,000
Cash released after mortgage and fees
AED 990,000
Purchase cash available
AED 1,290,000
Maximum next purchase
AED 4,000,000
Target cash gap
AED 0
Combined modeled monthly debt
AED 30,329

Saved only on this device. No title deed, bank statement, valuation report or personal financial document is uploaded.

Lender and adviser checkpoint

Validate both properties before increasing leverage.

The Legends can connect the target property and transaction plan. A licensed lender and qualified advisers must confirm valuation, eligibility, affordability, refinance settlement, fees, tax and legal protections.

Illustrative planning only—not a valuation, bank offer, credit decision, refinance approval, investment recommendation, tax opinion or financial advice. Lenders may use a lower valuation, different LTV, debt-service rules, fees, rates, terms and property eligibility. Equity release increases debt and can place both liquidity and property ownership at risk. Published availability and pricing require live confirmation.