What Ijarah OS does to your numbers
You enter today’s book. We apply a fixed base case: more applications on your front door, lower cost per file, better completion — plus a flat per-funded fee (not a % of the loan like traditional brokers). Then you see savings and payback.
1. Own first click
+18% applications on bank rails
2. Slash unit costs
35% lower cost per file
3. Better completion
Fewer drop-outs · +10% on reachable files
4. Fixed fee vs broker %
Tier 3 = AED 1,250 / funded — not 0.5–1%
The price advantage
Traditional brokers bill a % of the loan. Ijarah OS bills a flat fee per funded file — cost stays stable on a AED 2M flat or a AED 15M villa.
Traditional broker
0.5% – 1.0% of loan
AED 9,000 mid on your ticket
Range ~AED 6,000 – AED 12,000
Ijarah OS Tier 3
Flat processing fee
AED 1,250
Per funded mortgage
The saving
Bank keeps ~86% vs broker mid
AED 7,750 less per file
AED 5.4M / year on this book
Your book today
Edit these — volume and cost you have now.
Home-finance files you handle now — before Ijarah OS front-door lift.
Typical funded amount. Broker % cost grows with this; Ijarah OS fee does not.
People time, chasing, rework — cost to process one application.
Share of files that reach a decision and are approved.
Incomplete, lost, or abandoned before your team decides.
Ijarah OS assumptions
Fixed base case we bring — locked to the pitch narrative.
Own first click · +18% applications
More deals start on your bank rails instead of only arriving late from third parties.
Slash unit costs · 35% lower cost per file
Cleaner packs, less re-keying, less chasing — applied to the full book after volume lift.
Better completion · cleaner funnel +10%
Fewer drop-outs before decision, modest lift on files that still reach credit.
Commercial tier (fixed fee)
Pick a tier. Fee per funded file stays flat — not a % of the loan.
Market range is usually 0.5%–1.0% of the loan. Drag to match what you pay for a funded referral.
On a AED 1,200,000 ticket: broker ≈ AED 9,000 · Ijarah OS flat = AED 1,250.
Results · your book + our base case
1 · Unit-cost savings (year)
AED 1.8M
35% lower processing cost on the full book
2 · Price advantage vs broker % (year)
AED 5.4M
Flat tier fee vs 0.75% introducer — bank keeps ~86% of that fee line · AED 7,750 less per funded file
3 · Extra applications (first click)
+216 / yr
1,200 today → 1,416 with bank-owned front door
4 · Extra funded files (year)
+226
~86 from more originations · ~140 from better completion · book +AED 270.7M
5 · Months to pay back the software
1.6 months
Ops savings + price advantage + simple extra-book benefit vs platform + flat fees.
Rough year-1 result (illustration)
AED 9.7M
Unit-cost savings + price advantage vs broker % + simple benefit on extra book − yearly platform fee. Flat per-file fees already netted inside the price-advantage line. Not a full bank P&L.
Detail
Notes
• Illustration only — not an audited forecast or credit model.
• First-click +18%, unit cost −35%, completion lift are locked base case.
• Fixed tiers: Tier 1 = AED 2,500 · Tier 2 = AED 1,750 · Tier 3 = AED 1,250 per funded file.
• Broker comparison uses your % slider (default 0.75% mid of 0.5–1.0% market range).
• Extra book uses a simple example margin (~1.1%) — not full bank profit.