How it works
From the first message to the keys — and what happens in between
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 — which banks are realistic, roughly how much cash you need, and what could stall the file.
From you: nothing yet, just the conversation
Where it can slip: None on our side. If you are abroad, we pick a slot in your time zone.
- 24–48 h
2. Bank matching
We compare the banks whose policy fits your income, nationality, property and timing, and send a written shortlist with the cash you'll need for each.
From you: a few numbers by WhatsApp
Where it can slip: Bank holidays and missing numbers. One WhatsApp message with income, debts and price range is enough to start.
- 24–48 hours
3. Pre-approval
We structure the file the way the chosen bank reads it, submit it and chase the bank until the pre-approval letter is in your hands.
From you: documents, from a checklist we send
Where it can slip: An expired salary certificate, statements older than the bank accepts, or a bank holiday. We send the checklist with validity dates.
- 2–3 weeks
4. Valuation to keys
We order the valuation, get the final offer letter, book the trustee appointment and coordinate the bank, the agent and the seller so nothing expires on the way.
From you: signatures
Where it can slip: The valuation gap, a developer NOC that arrives late, and bank holidays. We plan backwards from the transfer date.
After you apply
After you apply — no black holes
- Within 15 minYour advisor writes on WhatsApp and introduces themselves by name.
- Same day15-minute call at a time that suits your time zone.
- After the callWritten summary: suitable banks, cash needed, document list.
- Every stepStatus updates without you having to chase.
Illustrative conversation.
Documents
Documents, by situation
Nothing is needed for the first call. We send the checklist for your case after it.
Salaried resident
- Passport, Emirates ID and visa
- 6 months of payslips and a salary certificate
- 6 months of personal bank statements
- Proof of address
- Credit report (Etihad Credit Bureau), we pull it with you
Business owner
- Passport, Emirates ID and visa
- Trade licence
- Certificate of incorporation, shareholder register, articles
- 6–12 months of company and personal bank statements
- Audited accounts, usually 2 years, or VAT returns
- Proof of address
Non-resident
- Passport (all pages)
- 6 months of payslips and a salary certificate, or company documents and audited accounts
- 6 months of personal bank statements
- Proof of address
- Credit report from your country, for some banks
Requirements differ by bank and nationality. We tell you which apply to you on the first call.