Wallary
When financial decisions align with reality. The path to financing your villa or apartment.
Wallary is not just a mortgage. It’s a chaos-free journey: from paperwork to the keys. Step by step. Calmly. Precisely. On your side.
Wallary is not just a mortgage. It’s a chaos-free journey: from paperwork to the keys. Step by step. Calmly. Precisely. On your side.
© 2026 Wallary
When financial decisions align with reality. The path to financing your villa or apartment.
Wallary is not just a mortgage. It’s a chaos-free journey: from paperwork to the keys. Step by step. Calmly. Precisely. On your side.
© 2026 Wallary
Our partners
Our partners
+other 17 UAE banks
+other 17 UAE banks
Our partners
+other 17 UAE banks
(4)
(4)
Mortgage from 3.99%
Structured approval, smooth closing.
We secure competitive mortgage rates starting from 3.99%, tailored to your income profile, residency status, and property type (off-plan, post-handover, refinance or cash-out).
We work with UAE residents and non-residents, including overseas investors purchasing remotely.
Wallary manages the entire process:
• Rate comparison across leading UAE banks
• Mortgage strategy (purchase, refinance, equity release)
• Document preparation & bank submission
• Approval management & negotiations
• Coordination with developer, broker and bank until disbursement
Optional guidance on investor residency eligibility linked to property ownership.
Lower rate. Structured approval. Smooth closing.
Mortgage from 3.99%
Structured approval, smooth closing.
We secure competitive mortgage rates starting from 3.99%, tailored to your income profile, residency status, and property type (off-plan, post-handover, refinance or cash-out).
We work with UAE residents and non-residents, including overseas investors purchasing remotely.
Wallary manages the entire process:
• Rate comparison across leading UAE banks
• Mortgage strategy (purchase, refinance, equity release)
• Document preparation & bank submission
• Approval management & negotiations
• Coordination with developer, broker and bank until disbursement
Optional guidance on investor residency eligibility linked to property ownership.
Lower rate. Structured approval. Smooth closing.
Mortgage from 3.99%
Structured approval, smooth closing.
We secure competitive mortgage rates starting from 3.99%, tailored to your income profile, residency status, and property type (off-plan, post-handover, refinance or cash-out).
We work with UAE residents and non-residents, including overseas investors purchasing remotely.
Wallary manages the entire process:
• Rate comparison across leading UAE banks
• Mortgage strategy (purchase, refinance, equity release)
• Document preparation & bank submission
• Approval management & negotiations
• Coordination with developer, broker and bank until disbursement
Optional guidance on investor residency eligibility linked to property ownership.
Lower rate. Structured approval. Smooth closing.
Cash-Out / Equity Release
Unlock your property equity, reinvest at higher returns.
Release equity from your UAE property without selling it — and reinvest into business, new assets, or higher-return opportunities.
Ideal for:
• Business expansion
• New property acquisitions
• Debt restructuring
• Portfolio scaling
Wallary structures the entire process:
• Equity assessment & available amount calculation
• Bank selection and rate negotiation
• Approval management
• Coordination through fund disbursement
You keep the asset.
You access liquidity.
Your capital starts working harder.
Cash-Out / Equity Release
Unlock your property equity, reinvest at higher returns.
Release equity from your UAE property without selling it — and reinvest into business, new assets, or higher-return opportunities.
Ideal for:
• Business expansion
• New property acquisitions
• Debt restructuring
• Portfolio scaling
Wallary structures the entire process:
• Equity assessment & available amount calculation
• Bank selection and rate negotiation
• Approval management
• Coordination through fund disbursement
You keep the asset.
You access liquidity.
Your capital starts working harder.
Cash-Out / Equity Release
Unlock your property equity, reinvest at higher returns.
Release equity from your UAE property without selling it — and reinvest into business, new assets, or higher-return opportunities.
Ideal for:
• Business expansion
• New property acquisitions
• Debt restructuring
• Portfolio scaling
Wallary structures the entire process:
• Equity assessment & available amount calculation
• Bank selection and rate negotiation
• Approval management
• Coordination through fund disbursement
You keep the asset.
You access liquidity.
Your capital starts working harder.
Refinance / Rate Reduction
Back to 3.99% — if you're currently paying more.
Many mortgages in the UAE were issued during higher interest cycles or moved to variable rates after the fixed period ended. If your rate increased, your monthly payment likely did too.
We help you refinance to a more competitive structure and reduce your financial burden.
Ideal for:
• Lowering your interest rate
• Reducing monthly payments
• Switching from variable to more stable terms
• Moving your mortgage to a stronger bank offer
Wallary handles the full process — from reviewing your current loan to securing approval and closing the refinance.
Lower rate. Lower payment. Smarter structure.
Refinance / Rate Reduction
Back to 3.99% — if you're currently paying more.
Many mortgages in the UAE were issued during higher interest cycles or moved to variable rates after the fixed period ended. If your rate increased, your monthly payment likely did too.
We help you refinance to a more competitive structure and reduce your financial burden.
Ideal for:
• Lowering your interest rate
• Reducing monthly payments
• Switching from variable to more stable terms
• Moving your mortgage to a stronger bank offer
Wallary handles the full process — from reviewing your current loan to securing approval and closing the refinance.
Lower rate. Lower payment. Smarter structure.
Refinance / Rate Reduction
Back to 3.99% — if you're currently paying more.
Many mortgages in the UAE were issued during higher interest cycles or moved to variable rates after the fixed period ended. If your rate increased, your monthly payment likely did too.
We help you refinance to a more competitive structure and reduce your financial burden.
Ideal for:
• Lowering your interest rate
• Reducing monthly payments
• Switching from variable to more stable terms
• Moving your mortgage to a stronger bank offer
Wallary handles the full process — from reviewing your current loan to securing approval and closing the refinance.
Lower rate. Lower payment. Smarter structure.
Mortgages for Entrepreneurs
Smart mortgage solutions for self-employed clients.
Tailored mortgage solutions for business owners and self-employed clients — even without a fixed salary or traditional payslips.
Entrepreneurs are often declined because:
• Income is paid as dividends, not salary
• Tax optimization reduces “official” profit
• Income is irregular or seasonal
• The company has a short operating history
• The business structure is multi-layered or international
• Part of the income comes from overseas
We analyse your real financial position and structure the application so the bank understands your true affordability.
Wallary selects the right bank, prepares the documentation strategically, and manages the approval process end-to-end.
Your income may be complex.
Financing shouldn’t be.
Mortgages for Entrepreneurs
Smart mortgage solutions for self-employed clients.
Tailored mortgage solutions for business owners and self-employed clients — even without a fixed salary or traditional payslips.
Entrepreneurs are often declined because:
• Income is paid as dividends, not salary
• Tax optimization reduces “official” profit
• Income is irregular or seasonal
• The company has a short operating history
• The business structure is multi-layered or international
• Part of the income comes from overseas
We analyse your real financial position and structure the application so the bank understands your true affordability.
Wallary selects the right bank, prepares the documentation strategically, and manages the approval process end-to-end.
Your income may be complex.
Financing shouldn’t be.
Mortgages for Entrepreneurs
Smart mortgage solutions for self-employed clients.
Tailored mortgage solutions for business owners and self-employed clients — even without a fixed salary or traditional payslips.
Entrepreneurs are often declined because:
• Income is paid as dividends, not salary
• Tax optimization reduces “official” profit
• Income is irregular or seasonal
• The company has a short operating history
• The business structure is multi-layered or international
• Part of the income comes from overseas
We analyse your real financial position and structure the application so the bank understands your true affordability.
Wallary selects the right bank, prepares the documentation strategically, and manages the approval process end-to-end.
Your income may be complex.
Financing shouldn’t be.
Our values
Our values
Our values
Wallary is not about money. It’s about family. About strategy. About peace of mind.
Wallary is not about money. It’s about family. About strategy. About peace of mind.
While you take care of your family’s future — we handle the bureaucracy, numbers, registries, and reports.
01
Years of experience
Our founders bring over a decade of experience in strategy and family office management to ensure your reports and registries are flawless from day one.
01
Years of experience
Our founders bring over a decade of experience in strategy and family office management to ensure your reports and registries are flawless from day one.
01
Years of experience
Our founders bring over a decade of experience in strategy and family office management to ensure your reports and registries are flawless from day one.
02
Personal commitment
We provide 100% dedicated focus to every family and strategy we handle. Your peace of mind is our primary metric.
02
Personal commitment
We provide 100% dedicated focus to every family and strategy we handle. Your peace of mind is our primary metric.
02
Personal commitment
We provide 100% dedicated focus to every family and strategy we handle. Your peace of mind is our primary metric.
Total value of mortgages arranged
Total value of mortgages arranged
Operating in the UAE mortgage sector
Operating in the UAE mortgage sector
Our most common interest rate
Our most common interest rate
Average ROI on managed real estate portfolio
Average ROI on managed real estate portfolio
wallary
With a mortgage comes capital.
With us — a long-term strategy.
With a mortgage comes capital.
With us — a long-term strategy.
We focus on numbers, strategy, and peace of mind. A mortgage isn’t debt — it’s a tool. For those who think in decades, not months.
We focus on numbers, strategy, and peace of mind. A mortgage isn’t debt — it’s a tool. For those who think in decades, not months.
Equity Release — AED 13.2M
Palm Jumeirah villa — cash-out secured at 4.25%.Capital reinvested into business generating 18% return.
Equity Release — AED 13.2M
Palm Jumeirah villa — cash-out secured at 4.25%.Capital reinvested into business generating 18% return.
Equity Release — AED 13.2M
Palm Jumeirah villa — cash-out secured at 4.25%.Capital reinvested into business generating 18% return.
Off-Plan Handover — Mortgage
AED 6.7M
UK-based client secured a 70% mortgage after handover for a Saadiyat (Aldar) property — fully remote.
Wallary managed the entire process from approval to disbursement.
Finance your UAE property from anywhere.
Off-Plan Handover — Mortgage
AED 6.7M
UK-based client secured a 70% mortgage after handover for a Saadiyat (Aldar) property — fully remote.
Wallary managed the entire process from approval to disbursement.
Finance your UAE property from anywhere.
Off-Plan Handover — Mortgage
AED 6.7M
UK-based client secured a 70% mortgage after handover for a Saadiyat (Aldar) property — fully remote.
Wallary managed the entire process from approval to disbursement.
Finance your UAE property from anywhere.
Refinance — AED 5.4 M
3-bed villa in Dubai Hills refinanced from 5.8% to 3.99%.
Client saves AED 412,000 over 7 years.
Lower rate. Smarter financing.
Refinance — AED 5.4 M
3-bed villa in Dubai Hills refinanced from 5.8% to 3.99%.
Client saves AED 412,000 over 7 years.
Lower rate. Smarter financing.
Refinance — AED 5.4 M
3-bed villa in Dubai Hills refinanced from 5.8% to 3.99%.
Client saves AED 412,000 over 7 years.
Lower rate. Smarter financing.
Talk with CEO
Consulting
We don't just arrange mortgages — we protect and grow your family capital.
Andrei Sviridenko
CEO
Talk with CEO
We don't just arrange mortgages — we protect and grow your family capital.
Andrei Sviridenko
CEO
wallary
Our team
Our team
Our team
Wallary is about people. We're with you every step of the way.
CEO
at Wallary®
Andrey
Operational excellence and strategic flow.
CEO
at Wallary®
Andrey
Operational excellence and strategic flow.
CEO
at Wallary®
Andrey
Operational excellence and strategic flow.
Financial Director
at Wallary®
Nafaz
Strategic fiscal growth and oversight.
Financial Director
at Wallary®
Nafaz
Strategic fiscal growth and oversight.
Financial Director
at Wallary®
Nafaz
Strategic fiscal growth and oversight.
Mortgage broker
at Wallary®
Doa
Tailored mortgage and finance solutions.
Mortgage broker
at Wallary®
Doa
Tailored mortgage and finance solutions.
Mortgage broker
at Wallary®
Doa
Tailored mortgage and finance solutions.
Mortgage broker
at Wallary®
Wafa
Direct expert path to homeownership.
Mortgage broker
at Wallary®
Wafa
Direct expert path to homeownership.
Mortgage broker
at Wallary®
Wafa
Direct expert path to homeownership.
FAQ.
FAQ.
FAQ.
Clear. Precise. Confident. Tailored for high-net-worth clients.
Your eligibility depends on verified income, with monthly payments typically capped at one-third of your earnings. For example, an income of 45,000 AED/month generally qualifies you for a mortgage of 2.7M–3.2M AED.
Not necessarily, though local income and banking history significantly speed up the process. While we can facilitate approvals using foreign income, showing local earnings remains the most efficient path to guaranteed results.
Yes. Joint applications are standard in the UAE and allow you to increase your loan ceiling, improve approval odds, and secure more competitive terms for your family home.
Rates fluctuate monthly: top-tier cases currently see 3.74%, while realistic rates for strong profiles range from 3.89% to 3.99%. Wallary identifies the absolute lowest rate specific to your financial profile.
We operate at a 99% confidence level. By auditing your documents and credit capacity before formal submission, we ensure success; if approval isn’t possible, we will inform you within 72 hours to save your time.
The realistic timeframe is 14 to 30 days once documents are ready. Wallary accelerates this by acting as your private office, handling all paperwork and utilizing internal bank channels to push your application through.
No. Wallary is a holistic capital-management system. Beyond financing, we assist with property selection, refinancing, and Cash-Out strategies to build and protect long-term family wealth through real estate.
It’s simple: use a mortgage to purchase a new property, and Cash-Out to access liquidity from your current assets without selling. We provide a clear strategy based on your equity and personal goals.
Refinance immediately. A jump from 3.99% to 6.2% can cost you roughly 7% of your property’s value in overpayments. Wallary restores your financial stability by securing a lower rate and reducing monthly stress.
Absolutely. We specialize in non-standard profiles, verifying income through dividends, turnover, or international earnings to ensure you aren't rejected by rigid bank templates.
We partner with all major institutions, including Emirates NBD, FAB, and HSBC. We select your bank based on speed, flexibility, and the best match for your specific profile rather than brand name alone.
We charge only for results. Our primary goal is to ensure that the savings we secure—through optimized rates and superior financial structuring—far outweigh our professional fee.
Your eligibility depends on verified income, with monthly payments typically capped at one-third of your earnings. For example, an income of 45,000 AED/month generally qualifies you for a mortgage of 2.7M–3.2M AED.
Not necessarily, though local income and banking history significantly speed up the process. While we can facilitate approvals using foreign income, showing local earnings remains the most efficient path to guaranteed results.
Yes. Joint applications are standard in the UAE and allow you to increase your loan ceiling, improve approval odds, and secure more competitive terms for your family home.
Rates fluctuate monthly: top-tier cases currently see 3.74%, while realistic rates for strong profiles range from 3.89% to 3.99%. Wallary identifies the absolute lowest rate specific to your financial profile.
We operate at a 99% confidence level. By auditing your documents and credit capacity before formal submission, we ensure success; if approval isn’t possible, we will inform you within 72 hours to save your time.
The realistic timeframe is 14 to 30 days once documents are ready. Wallary accelerates this by acting as your private office, handling all paperwork and utilizing internal bank channels to push your application through.
No. Wallary is a holistic capital-management system. Beyond financing, we assist with property selection, refinancing, and Cash-Out strategies to build and protect long-term family wealth through real estate.
It’s simple: use a mortgage to purchase a new property, and Cash-Out to access liquidity from your current assets without selling. We provide a clear strategy based on your equity and personal goals.
Refinance immediately. A jump from 3.99% to 6.2% can cost you roughly 7% of your property’s value in overpayments. Wallary restores your financial stability by securing a lower rate and reducing monthly stress.
Absolutely. We specialize in non-standard profiles, verifying income through dividends, turnover, or international earnings to ensure you aren't rejected by rigid bank templates.
We partner with all major institutions, including Emirates NBD, FAB, and HSBC. We select your bank based on speed, flexibility, and the best match for your specific profile rather than brand name alone.
We charge only for results. Our primary goal is to ensure that the savings we secure—through optimized rates and superior financial structuring—far outweigh our professional fee.
Your eligibility depends on verified income, with monthly payments typically capped at one-third of your earnings. For example, an income of 45,000 AED/month generally qualifies you for a mortgage of 2.7M–3.2M AED.
Not necessarily, though local income and banking history significantly speed up the process. While we can facilitate approvals using foreign income, showing local earnings remains the most efficient path to guaranteed results.
Yes. Joint applications are standard in the UAE and allow you to increase your loan ceiling, improve approval odds, and secure more competitive terms for your family home.
Rates fluctuate monthly: top-tier cases currently see 3.74%, while realistic rates for strong profiles range from 3.89% to 3.99%. Wallary identifies the absolute lowest rate specific to your financial profile.
We operate at a 99% confidence level. By auditing your documents and credit capacity before formal submission, we ensure success; if approval isn’t possible, we will inform you within 72 hours to save your time.
The realistic timeframe is 14 to 30 days once documents are ready. Wallary accelerates this by acting as your private office, handling all paperwork and utilizing internal bank channels to push your application through.
No. Wallary is a holistic capital-management system. Beyond financing, we assist with property selection, refinancing, and Cash-Out strategies to build and protect long-term family wealth through real estate.
It’s simple: use a mortgage to purchase a new property, and Cash-Out to access liquidity from your current assets without selling. We provide a clear strategy based on your equity and personal goals.
Refinance immediately. A jump from 3.99% to 6.2% can cost you roughly 7% of your property’s value in overpayments. Wallary restores your financial stability by securing a lower rate and reducing monthly stress.
Absolutely. We specialize in non-standard profiles, verifying income through dividends, turnover, or international earnings to ensure you aren't rejected by rigid bank templates.
We partner with all major institutions, including Emirates NBD, FAB, and HSBC. We select your bank based on speed, flexibility, and the best match for your specific profile rather than brand name alone.
We charge only for results. Our primary goal is to ensure that the savings we secure—through optimized rates and superior financial structuring—far outweigh our professional fee.
Podcast Series
Podcast Series
Podcast Series
Episodes
Episodes
Wallary — not just a mortgage. When capital becomes legacy.
Episode 1: Work Hard
A man rethinks his life path — for the sake of his family.
Episode 1: Work Hard
A man rethinks his life path — for the sake of his family.
Episode 1: Work Hard
A man rethinks his life path — for the sake of his family.
Episode 2: Get Married
A story of a loving couple, their cozy home, and what they want to pass on to their children.
Episode 2: Get Married
A story of a loving couple, their cozy home, and what they want to pass on to their children.
Episode 2: Get Married
A story of a loving couple, their cozy home, and what they want to pass on to their children.