Case Study
Salary certificate not yet to hand, pre-approved the same day.
A salaried expatriate who needed pre-approval urgently while the standard salary certificate was not yet available.
Pre-Approval, Same DayAED 2 million
Filed Under
The Situation
A salaried expatriate needed mortgage pre-approval urgently to go ahead with a property transaction, but the standard salary certificate was not immediately available.
Waiting for it could have delayed the whole transaction.
What Stood in the Way
The standard salary certificate was not immediately available, and waiting for it could have delayed the transaction.
How We Structured It
We went through the employment and banking documents the client already had and found other evidence that could establish the same key facts a salary certificate normally supports.
Using employment records, salary credits, bank statements and supporting documents, we structured the application so the lender could quickly verify employment, income and borrowing capacity.
We also worked closely with the lender to cut out needless back-and-forth and keep the assessment moving.
The Outcome
A pre-approval of AED 2 million came through on the same day, and the client went ahead without delay.
Before you enquire.
Can I get pre-approval without a salary certificate?
Sometimes. Here, employment records, salary credits and bank statements established what the certificate would have. Whether a lender accepts that depends on your employer, your documents and the lender, so ask us before you wait. Talk to a Specialist
How quickly can pre-approval come through?
This one came through the same day. Timing is not the same for every case: it depends on your documents and the lender. Tell us your deadline and a specialist will tell you plainly what is realistic. Talk to a Specialist
Which bank approved this case?
We do not name banks on this website. The right lender is different for each case, and a specialist will talk you through the ones that fit yours.
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Iranian Real Estate Business Owner
During a period of heightened geopolitical uncertainty, closer compliance scrutiny and changing lender appetite meant the file was more complex than a standard application.
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