Case Studies
Details are anonymized and figures rounded to protect client privacy, but the scenarios and outcomes reflect real work we've done.
Situation: A UAE resident with a stable salary but a DBR close to the 50% cap due to a personal loan.
What we did: Restructured the personal loan repayment timeline and matched the client to a bank with a longer maximum tenure, bringing the DBR within range.
Outcome: Approved for an AED 1.2M mortgage within 9 days of a complete document set.
Situation: A client's 3-year fixed rate was about to roll onto a significantly higher variable rate.
What we did: Compared refinancing offers across our panel and negotiated a new 5-year fixed rate 0.85 points below the client's expiring variable rate.
Outcome: Monthly instalment reduced by roughly AED 1,100, offsetting the refinancing cost within 14 months.
Situation: An overseas investor wanted to purchase a Dubai investment property but had no UAE income history.
What we did: Matched the client to a bank on our panel with a dedicated non-resident program, and coordinated document certification remotely.
Outcome: 60% loan-to-value approval completed entirely without the client visiting the UAE in person.
Situation: A business owner needed capital for expansion and had significant equity in an existing, nearly paid-off property.
What we did: Structured a buyout-and-cash-out facility that consolidated the existing balance and released additional equity in a single new mortgage.
Outcome: AED 480,000 released as working capital alongside a lower blended interest rate than the original loan.
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