Nazar Verbytskyy
Founder & CEO
ENUKRUPL
Complex cases, non-residents, business owners.
UAE mortgage advisors for complex cases
Make the impossible work.
Non-resident, business owner, or already declined? A named advisor matches you with the right UAE bank and tells you upfront how much cash you'll need.
Prefer to talk? Call +971 54 244 9656
No documents · no credit-file enquiry · reply within 15 min in working hours · one named advisor, first message to keys
Licensed in Dubai · DED Trade License 1565247
Free for UAE residents
Access to 20+ banks
Pre-approval in 24–48 hours
Advice in English, Ukrainian, Russian and Polish
Your situation
Start from where you are, not from the bank's checklist
I live outside the UAENon-resident mortgages: 50–60% financing, remote process, income in any major currency.Read more →I own a business or I'm self-employedBanks read company income differently. We structure the file before it reaches them.Read more →My bank already said noA decline at one bank says little about the others. We find out why, and where it works.Read more →My off-plan handover payment is duePlan the handover mortgage early, so valuation and documents don't expire before the deadline.Read more →My income isn't a simple salaryBonus, commission, rental income, foreign currency, a new job: each has a bank that accepts it.Read more →I'm 55 or olderAge limits are 65 or 70 at the end of the loan. Term, co-borrowers and exceptions decide what's possible.Read more →I'm growing a portfolioSecond-home rules, equity release and buy-outs. Plan the next purchase around the cash you already have.Read more →I'm not sure where I fitDescribe your situation in one message. An advisor tells you honestly what's possible.Message an advisor →
Broker or your bank?
Your bank can only offer its own mortgage
| Criterion | Going to your bank directly | With a Lenty advisor |
|---|---|---|
| Choice of lenders | One bank, one policy | 20+ banks, each with its own niche |
| Non-standard income | Fits their checklist or it doesn't | We pick the bank whose rules fit your income |
| After a decline | Usually the end of the road | We find the reason, and the bank that accepts it |
| Who you talk to | A relationship manager with 100+ clients | One named advisor from first call to keys |
| Cost to you | Bank fees | Bank fees. Our service is free for UAE residents. |
How it works
Four steps, with the timing written down
- Day 0 · 15 min
1. Discovery call
We review income, debts and the property and tell you honestly what's possible.
From you: nothing yet, just the conversation
- 24–48 h
2. Bank matching
A shortlist of banks that fit your profile, with the cash you'll need for each.
From you: a few numbers by WhatsApp
- 24–48 hours
3. Pre-approval
Valid 30–60 days depending on the bank, so you can make an offer with confidence.
From you: documents, from a checklist we send
- 2–3 weeks
4. Valuation to keys
Valuation, final offer, transfer at the trustee office. We coordinate bank, agent and trustee.
From you: signatures
Your advisors
Real people, with names and languages
You speak with the same advisor from the first message to the keys.
Cases
Files other banks found complicated
In 2026, 80% of our completed cases were approved; for referred clients it was 18 of 19. See the data →
Anonymised examples. Details changed, outcomes real.
Non-resident · business owner
Approved after three banks declined
Company income from abroad, villa above AED 5M. We chose a bank that assesses company accounts instead of a personal salary.
2 min readOff-plan handoverMortgage in place before the developer deadline
Salary in EUR, handover payment due in six weeks. Valuation and documents were planned backwards from the due date.
2 min readResident · bonus incomeBonus counted through account history
The first bank ignored the bonus. A second bank accepted it based on the average account balance.
2 min readAge 60+Term extended with a co-borrower
The age limit cut the term short. Adding a family co-borrower brought the payment within the debt-burden limit.
2 min readQuestions
What clients ask before the first call
Will I get approved?
Can foreigners get a Dubai mortgage without residency?
Yes. Several UAE banks lend to non-residents, usually up to 50–60% of the property value, with higher income and balance requirements than for residents.
My bank declined me — is that the end?
Rarely. Each bank has its own rules on income, nationality, employer and credit history. We find out why you were declined and which bank's rules fit your case.
How much cash do I need?
What do I need besides the down payment?
The 4% DLD transfer fee, trustee and mortgage registration fees, the agent's commission, the valuation and the bank's processing fee. Banks don't finance these, so they come from your savings.
What hidden costs do people miss?
Most often the valuation gap: when the bank values the property below the price, you pay the difference. Also life and property insurance, and early settlement fees if you sell or refinance early.
Why Lenty?
Broker or bank — which is better?
Your bank offers one product. We compare banks for your profile and handle the parts that usually stall a complex file: income structure, documents and valuation timing.
Do you also sell property?
No. We only do mortgages. That's why agents trust us with their clients.
Fees
What our service costs
UAE residents and nationalsFree
Banks pay us after your mortgage completes. Your rate is the bank's rate. You only pay the standard bank and government fees shown in the calculator.
Non-residentsAED 10,000
Non-resident files take more work across banks and borders. The fee is agreed in writing before we start, so there are no surprises.
You bring the case. We bring the bank that says yes.
No commitmentNo credit-file enquiryReply within 15 min in working hours