I help people buy property in Dubai without a UAE credit history, a local payslip, or the patience for seven rounds of "just one more document." I've moved between six countries myself — I know exactly which forms you're missing. Let me help you compare 18+ UAE banks for the most suitable mortgage option.
Six cities, one recurring problem: proving you're creditworthy somewhere new.
For seven years I built fintech products — most recently leading the mortgage platform that banks and brokers across the region use to process loan applications. I understood the machinery of a mortgage before I ever arranged one.
In 2025 I moved to the other side of the desk, becoming a mortgage consultant in Dubai. I now spend my time with people instead of product specs — and I've found the two skills sit closer together than you'd think: reading a case file is still reading a system, just one with a person attached.
Before Dubai, I lived and worked in Singapore, Sydney, Hong Kong, Stockholm and Barcelona — which means every client conversation about "I don't have a local salary certificate" or "my credit history is in another country" is one I've had about myself, in one city or another.
Structuring a case around foreign income, a new employment contract, or a credit file that doesn't exist here yet.
Financing for buyers purchasing from abroad — different lender panel, different paperwork, same deadline pressure.
Reviewing an existing rate, switching lenders, or releasing equity to fund the next purchase.
Presenting variable or multi-currency income in a way underwriters can actually approve.
30 minutes on your situation, your timeline, and what a bank will actually ask for.
Your file goes to the lenders most likely to say yes — not every lender, just the right ones.
Once you've found the property, I manage the bank's valuation and the formal offer in parallel.
Final conditions cleared, funds released, keys handed over. Done.
No obligation, no local credit history required to start the conversation.