TFO Private / Private Client
Significant property deserves a different approach.
Discreet, individually structured property financing for private individuals, international investors and clients with complex financial circumstances.
Services
Significant property deserves a different approach.
Individually structured finance for significant property, agreed with you before any lender is involved.
- High-value residential mortgages
- Prime and luxury property financing
- Property portfolio financing
- Equity release
- Refinance
- International and non-resident mortgages
- Complex income structures
- Financing for business owners purchasing personally
- Multi-property financing strategies
All financing is subject to eligibility, lender assessment and individual circumstances.
When private clients call us
Every situation is structured on its own terms.
The situations private clients most often bring to us. Each is structured around the property and your circumstances.
01
Acquiring a high-value property
Financing a prime home or investment purchase with a structure built around your circumstances.
02
Releasing equity from an existing property
Unlocking capital from a property you already own, without disturbing the rest of your portfolio.
03
Financing multiple investment properties
Structuring finance across a portfolio, property by property, so the whole picture is considered.
04
Purchasing property using overseas income
Coordinating finance when your income, assets or banking sit outside the UAE.
05
Refinancing an existing mortgage
Reviewing an existing facility for better terms, structure or flexibility.
06
Structuring financing around complex income or ownership arrangements
Where income, entities or ownership add complexity, we build the case before any lender sees it.
Private financing assessment
A preliminary view of your financing
Tell us the shape of the case and see a preliminary view before you speak to anyone. Nothing you enter here is saved unless you choose to send it.
Preliminary assessment
AED 5,600,000
Indicative maximum facility
A preliminary assessment, not a financing figure or an offer. A verified indication depends on the property, your profile, valuation and each lender's criteria.
How it works
Four steps. You approve every one.
01
Private consultation
A confidential first conversation to understand the property, the objective and the constraints.
02
Financial and property assessment
We assess the property, your income and existing commitments before any lender is involved.
03
Financing options and lender selection
We shortlist the lenders and structures that fit, and agree them with you.
04
Approval and completion support
We manage valuation, documentation and offer through to completion.
Confidentiality
How we protect your confidentiality.
We're straightforward about this: if you apply, the lender you choose will run its standard checks and report to the credit bureau. Everything before that — and everything around it — stays with us.
No lender approached without your approval
We shortlist options with you first. Your file goes nowhere until you say so.
Documents go only to the chosen lender
Your information is shared on a need-to-know basis — never circulated to the wider market.
NDA available on request
We are happy to sign a non-disclosure agreement before you share company or personal details.
One senior point of contact
You deal directly with the Managing Director. No call centres, no handovers.
Never used for marketing
Private enquiries are not added to marketing lists or shared with third parties for promotion.
Deleted on request
If you decide not to proceed, ask and we will delete your enquiry.
Private line
Speak directly to the Managing Director.
Every TFO Private enquiry is handled personally by Tanuj Verma, Managing Director of TheFundsOfficer — from first conversation to completion.
Prefer to stay anonymous at first? Send the form with initials only — you'll receive a private reference code to quote instead of your name.
Straight answers
Questions private clients ask us
Can you finance high-value properties?
Yes. High-value and prime property is a core part of our private client work, with structures built around the property and your profile. Lenders may apply lower maximum loan-to-value limits on higher-value homes.
Can I obtain financing with overseas income?
Often, yes. Several UAE lenders support applicants whose income or banking sits abroad, and we identify the routes that fit your situation. Documentation and criteria vary by lender.
Can I release equity from a fully paid property?
Yes. If a property is owned outright, finance can be arranged against it, subject to valuation, affordability and lender criteria.
Can multiple properties be financed?
Yes. Portfolio and multi-property finance is assessed property by property and across the portfolio as a whole. We structure the approach with you before any lender is approached.
Can you assist with complex income structures?
Yes. Dividends, overseas earnings, investment income and ownership through entities all add complexity. We prepare and present the case so it can be assessed fairly.
Will I deal directly with the Managing Director?
Yes. TFO Private enquiries are handled personally, from the first conversation through to completion.
How confidential is the process?
Your enquiry is handled in strict confidence. No lender is contacted without your approval, and your details are shared on a need-to-know basis.