Flat fee per funded file — not a cut of the loan
Traditional mortgage brokers charge the bank 0.5%–1.0% of the loan. Ijarah OS uses fixed tiers — Tier 3 is AED 1,250 per funded mortgage. Your software cost stays stable whether the file is AED 2M or AED 15M.
Why tiered fixed pricing is attractive
Traditional broker
0.5% – 1.0% of loan
On a AED 2M mortgage: AED 10,000 – 20,000
Ijarah OS · Tier 3
AED 1,250
Flat processing fee per funded mortgage
The saving
Bank retains ~92%+
of that origination fee line vs broker mid-range
| Deal size | Broker 0.5–1% | Ijarah OS Tier 3 | Save / file |
|---|---|---|---|
| Standard homeAED 2,000,000 | AED 10,000 – AED 20,000 | AED 1,250 | AED 13,750 (92%) |
| Mid villaAED 4,000,000 | AED 20,000 – AED 40,000 | AED 1,250 | AED 28,750 (96%) |
| Luxury villaAED 15,000,000 | AED 75,000 – AED 150,000 | AED 1,250 | AED 111,250 (99%) |
- Predictable cost: Finance teams dislike variable percentage models. A AED 15M villa is penalised under a % fee. With a fixed tier of AED 1,250, software cost stays stable regardless of deal size.
- High margin vs traditional brokers: On a standard AED 2M mortgage, brokers cost AED 10,000–20,000. Ijarah OS processes that same funded file for a fixed AED 1,250.
Fixed-fee tiers
Select a tier in the ROI calculator. Annual platform fee + flat fee per funded file.
Tier 1 · Launch
Pilot / early volume
AED 2,500
per funded mortgage
+ AED 360,000 / year platform
Tier 2 · Growth
Scaling book
AED 1,750
per funded mortgage
+ AED 420,000 / year platform
Partnership packages
Banks rebalance the power equation — become as ubiquitous in distribution as aggregators, without giving away the customer. Figures are indicative for planning — binding terms in the pilot SOW.
Pilot partnership
90 days · prove the journey
From AED 180k
setup + 90-day access · Tier 1 fees apply
Private setup for your bank: apply under your name, easy customer start, your rules, staff desk, one connection. Flat processing fee (Tier 1) — not a % of the loan.
- Customer app under your bank name (EN / AR)
- UAE Pass · salary · credit · upload backup
- Home finance + personal finance
- Flat fee per funded file (Tier 1 · AED 2,500)
- You set the rules
- Portals and agencies into your queue
- Staff Command Center
- Simple pilot agreement
Full platform license
Multi-product · Tier 2–3 fixed fees
License + AED 1,250–1,750 / funded
Tier 2 Growth or Tier 3 Franchise · not a % of loan
Live setup: full products, staff tools, Shariah trail, partners. Fixed processing fee vs traditional broker 0.5–1% — bank keeps 95%+ of that fee line on a standard ticket.
- Home · personal · auto
- You control policy versions
- Tier 3 headline: AED 1,250 flat per funded file
- Predictable cost on AED 2M or AED 15M deals
- Agency network with tracking
- Your brand + optional custom domain
- Shariah trail + officer queues
- ROI calculator with broker compare
Group / multi-entity
Several banks · one group
Custom tiers
group license · volume-weighted fixed fees
Banking groups: several private environments, shared governance, optional private cloud. Same fixed-fee logic — never a broker-style % of loan.
- Multiple bank environments under one group
- Group templates with local overrides
- Private cloud option
- Source-code escrow
- Dedicated success and security support
- System integrators under your Ijarah OS license
Documents & questions
Partnership MOU
How a bank partnership starts on paper.
Pilot scope
What a 90-day pilot includes.
FAQ
Common questions from banks and partners.
3-slide note
The short version of the company.
Executive film
The problem, three outcomes, 90-day path — EN / AR voice.
Customer demo
Multi-product apply with shared rails.