Mortgage Advisory
Independent mortgage advisory for residents and non-residents — from eligibility to funded transfer.
- 22 service pathways
- 1 central intake desk
- 24h response target
Overview
Mortgage Advisory Overview
A truly independent mortgage desk that shops the whole market, not a single bank's product sheet.
Clients We Serve
- UAE residents
- Non-residents
- Self-employed
- Company owners
- Investor buyers
Designed to Protect
- Rate integrity
- Approval discipline
- Cost transparency
- Timing
- Post-drawdown flexibility
Performance
Performance Indicators
Clear operational indicators keep every engagement measurable and accountable.
Broker Clarity
Every offer measured on rate, fees, features, and true total cost — not headline rate.
20+
Bank partners
96%
Pre-approval success
<25%
Median DBR achieved
<21d
Approval-to-transfer
100%
Independent advice
4.9/5
Client rating
Scope
Service Scope
Every workstream is handled in one client-first system.
Residential Mortgages
- First-time buyers
- Move-ups
- Investment mortgages
- Non-resident financing
Refinance
- Rate switching
- Equity release
- Debt consolidation
- Product-fee optimisation
Commercial Mortgages
- Owner-occupied
- Investment property
- Portfolio
- SPV-held property
Specialist Files
- Self-employed
- Family office
- High DTI
- Complex income
Approach
Our Approach
A defined mortgage path from eligibility to funded transfer.
- 1
Eligibility
- 2
Pre-approval
- 3
Property offer
- 4
Final approval
- 5
Transfer
Financials
Financials & Value
Transparent value, clean reporting, and clear ownership of every cost.
Total-Cost View
Rate, fees, insurance, and features rolled into one comparable number.
Bank-Fee Disclosure
Every bank-side fee disclosed at pre-approval stage.
Rate Scenario Modelling
Fixed vs variable vs hybrid options modelled for the hold horizon.
Broker Fee Transparency
Our broker fee stated up front — no hidden trail commission games.
Operations
Operations & Delivery
Every action has an approval path, visible client updates, and clean records.
Multi-Bank Submission
One document set, multiple bank submissions.
Approval Management
Every condition and query tracked to zero.
Property-Side Coordination
Valuation, NOCs, and title checks aligned with the mortgage timeline.
Transfer-Day Discipline
Bank cheque and blocking coordinated with trustee booking.
Workflow
Engagement Workflow
- 1
Assess
- 2
Pre-Approve
- 3
Match
- 4
Approve
- 5
Fund
Transparency
Reporting & Transparency
Structured updates without chasing fragmented information.
- 1
Eligibility memo
- 2
Bank shortlist
- 3
Pre-approval letter
- 4
Comparison sheet
- 5
Approval-in-principle
- 6
Transfer-day checklist
Governance
Trust & Governance
Independent
Multi-bank access, not a single lender's tied product.
Broker Standards
Regulated broker practice with disclosed fee structure.
Named Broker
One broker owns your file from eligibility to funding.
Fees
Fees & Structure
Fees are confirmed after scope, complexity, and requirements are aligned.
- 1
Standard broker fee
- 2
Complex-file structure
- 3
Refinance handling
Proposal
Request a Mortgage Advisory Proposal
Tell us what you need. We'll confirm scope, timing, and the right service path.
Mortgage Consultation Request
Reply within 24 hours
A senior advisor answers you personally.Licensed Dubai brokerage
Regulated advice with accountable follow-up.Your details stay private
Never shared without your consent.
FAQ
Frequently Asked Questions
JBJ Global Real Estate
Ready for a Better Mortgage?
Share your file — our broker desk will confirm eligibility, target rate, and application path.