Six instruments,
arranged with intent.
We do not offer hundreds of products. We offer six, arranged properly — to give our clients clarity, accountability and repeatable quality across every engagement.
Residential Mortgages
01 / RESIDENTIAL MORTGAGES
Primary residence financing for U.A.E. residents — villas and apartments across Dubai and Abu Dhabi. We compare fixed, variable and hybrid-rate offers from more than fifteen banks and negotiate on your behalf to secure favourable terms, flexible prepayment clauses and appropriate tenure.
- ·First-time buyer and subsequent acquisitions
- ·Fixed, variable and Islamic (Ijara) structures
- ·Ready and off-plan property financing
- ·Joint applications and salary-backed structures
Commercial Property Finance
02 / COMMERCIAL PROPERTY FINANCE
Acquisition and refinance facilities for offices, retail units, warehouses and mixed-use assets. We work with both residents and U.A.E.-incorporated entities, structuring the facility to align with projected rental yield, operating cash-flow and exit horizon.
- ·Owner-occupied and investment commercial units
- ·Corporate and SPV-held property
- ·Cash-flow led underwriting
- ·Rental assignment and exit planning
Refinance & Buy-Out
03 / REFINANCE & BUY-OUT
Reviewing an existing mortgage for rate, tenure and fee efficiency — and, where prudent, transferring the facility to a more appropriate lender. We model the total cost-of-transfer against projected savings before recommending any action.
- ·Rate review and rate-lock negotiation
- ·Bank-to-bank facility transfer
- ·Consolidation of multiple facilities
- ·Equity release on refinance
Equity Release
04 / EQUITY RELEASE
Unlocking capital from an existing owned property for reinvestment, acquisition of a further asset, or personal liquidity. Carefully structured against the property's current valuation and your repayment capacity to avoid over-leverage.
- ·Cash-out refinance
- ·Second charge where permitted
- ·Investment capital deployment
- ·Estate and succession planning support
Non-Resident Mortgages
05 / NON-RESIDENT MORTGAGES
Mortgage solutions for overseas buyers acquiring U.A.E. real estate, with attention to source-of-wealth documentation, jurisdiction of income, and cross-border compliance. We coordinate remotely with international clients via encrypted channels.
- ·GCC, European, African and Asian passports
- ·Source-of-funds compliance guidance
- ·Remote documentation via secure channels
- ·Coordination with international tax advisors
Pre-Approval
06 / PRE-APPROVAL
An in-principle approval from the bank in advance of property selection — establishing your financing capacity so that negotiations with sellers may be conducted with confidence and speed.
- ·48-hour typical pre-approval
- ·Multi-bank comparison where appropriate
- ·Property-agnostic validity
- ·Conversion to final offer on property selection
THE PROCESS
Six movements
from introduction to drawdown.
Introduction
A private, obligation-free conversation to understand your profile, objectives and timing.
Assessment
We map your profile against current bank lending criteria and prepare an indicative range of offers.
Submission
Full documentation is prepared to institutional standards and submitted to the selected bank(s).
Negotiation
Rate, tenure, fees and clauses are negotiated on your behalf — frequently beyond the published rate card.
Drawdown
Offer-letter issued, valuation and legal completed, and funds disbursed. We remain present throughout.
Stewardship
We continue to monitor the facility — rate reviews, refinance windows, further acquisitions.