Jaya RatnaniManaging Partner
Areas of Expertise
  • Remedial Risk
  • Loss Containment
  • Credit Policy
  • Business Development
  • Customer Relationship Management

With over 17 years of experience in Remedial Risk, Loss Containment, Credit Policy, Business Development and Customer Relationship Management across Banking, Real Estate and Hospitality industry, Jaya has the breadth and depth of experience required to understand mortgage debts and craft the most suitable solution for the clients.

You can rely on Jaya’s experience and knowledge to find a solution to your mortgage debt problems.

Jaya’s experienced journey comprises of key milestones, which makes her your best bet for mortgage debt reconciliation. She was a prime member of the initial setup of the Dubai Properties Group to drive local and international property sales. Her work comprised of some key projects such as JBR, Business Bay, Culture Village and The Villa.

She also has been instrumental in developing the Mortgage Collections Team in ADCB since its inception. Her knowledge in the field helped her devise an end-to-end process as a part of the team that included legal framework, foreclosure, and restructure policy to manage credit control and recoveries.

how can we help you?

Contact us today to find your freedom from debt.

Dinesh Bhasin

Like many others, I had invested in an off-plan project which did not see the light of construction for over 8 years and I was making interest-only repayments to the bank. I had exhausted all my options to negotiate with the developer for a refund.

Coincidentally, I met Jaya who helped me explore some exit options. The clarity in which all the options were presented and which one best suited my problem, was very impressive. Jaya has a detailed understanding of the Real Estate market and with her exposure to banking and debt management framework makes her advice invaluable. I strongly recommend using her services, if you are looking to find your Freedom from mortgage debt.

Group CFO

Tiger Steel Engineering L.L.C

FREED Financial Services LLC
2020-01-11T04:23:54+00:00

Group CFO

Tiger Steel Engineering L.L.C

Like many others, I had invested in an off-plan project which did not see the light of construction for over 8 years and I was making interest-only repayments to the bank. I had exhausted all my options to negotiate with the developer for a refund. Coincidentally, I met Jaya who helped me explore some exit options. The clarity in which all the options were presented and which one best suited my problem, was very impressive. Jaya has a detailed understanding of the Real Estate market and with her exposure to banking and debt management framework makes her advice invaluable. I strongly recommend using her services, if you are looking to find your Freedom from mortgage debt.

Anwar Ali Khan

Jaya is someone who goes beyond numbers and spreadsheets. When you deal with Jaya, you are not just another number. She takes a personal interest in your unique situation, and not only guides you but also holds your hand till such time that an acceptable solution is found. One never feels rushed when dealing with her. She has an excellent understanding of the field and has an outstanding ability to explain things. Therefore, I would recommend Jaya and her services wholeheartedly.

Managing Director & CEO

Adsum Capital Limited

FREED Financial Services LLC
2020-01-11T04:23:14+00:00

Managing Director & CEO

Adsum Capital Limited

Jaya is someone who goes beyond numbers and spreadsheets. When you deal with Jaya, you are not just another number. She takes a personal interest in your unique situation, and not only guides you but also holds your hand till such time that an acceptable solution is found. One never feels rushed when dealing with her. She has an excellent understanding of the field and has an outstanding ability to explain things. Therefore, I would recommend Jaya and her services wholeheartedly.

Ritesh Chopra

I embarked on setting up my own business which was daunting after leaving a well-paying job in the banking industry. This meant that I was now getting a variable income, whereas my expenses were still fixed. A large component of that was my mortgage, which put pressure on my savings.

Luckily I met Jaya who intently heard my background and with her in-depth knowledge of the bank’s credit policy, helped me effectively restructure my mortgage with the bank and lighten the load on my expenses. Jaya- I am truly grateful for your expert advice and would gladly recommend you to others who are in the same predicament as I was.

Vice president

Gargash Insurance

FREED Financial Services LLC
2020-01-17T05:04:06+00:00

Vice president

Gargash Insurance

I embarked on setting up my own business which was daunting after leaving a well-paying job in the banking industry. This meant that I was now getting a variable income, whereas my expenses were still fixed. A large component of that was my mortgage, which put pressure on my savings. Luckily I met Jaya who intently heard my background and with her in-depth knowledge of the bank’s credit policy, helped me effectively restructure my mortgage with the bank and lighten the load on my expenses. Jaya- I am truly grateful for your expert advice and would gladly recommend you to others who are in the same predicament as I was.

Sapnaa Mirchandani

It was when my husband left his job due to reasons beyond his control, we were left with a mortgage that we could no longer afford. When we tried to sell the villa, the market wasn't very forgiving and as a result, there was a shortfall in the money owed to the bank.

We met Jaya at that point of time and she came in as an angel. We managed to sell the property and were able to arrange the now-reduced shortfall based on our credit history and real circumstances. The loan closure was smooth under Jaya's reassuring eye. Jaya's helpful attitude confirms her team will be the same - supportive and compassionate to those in need. If we were ever in such a situation again, I would look no further. Neither should you.

Associate Director

Jardine Lloyd Thompson Asia

FREED Financial Services LLC
2020-01-11T04:22:12+00:00

Associate Director

Jardine Lloyd Thompson Asia

It was when my husband left his job due to reasons beyond his control, we were left with a mortgage that we could no longer afford. When we tried to sell the villa, the market wasn't very forgiving and as a result, there was a shortfall in the money owed to the bank. We met Jaya at that point of time and she came in as an angel. We managed to sell the property and were able to arrange the now-reduced shortfall based on our credit history and real circumstances. The loan closure was smooth under Jaya's reassuring eye. Jaya's helpful attitude confirms her team will be the same - supportive and compassionate to those in need. If we were ever in such a situation again, I would look no further. Neither should you.

Joseph Iskander

Jaya brings in wealth of experience in debt restructuring, mortgage advisory and above all deep understanding of how to evaluate and recommend the right solution for her clients and stakeholders. She is genuinely helpful, amicable and clear-minded. As a trusted advisor, she takes an appropriate interest in one’s personal life situation while at the same time keeping focused on identified objectives. Honest, reliable, ethical and highly recommended.

CEO

An Asset Management Company

FREED Financial Services LLC
2020-01-24T17:02:30+00:00

CEO

An Asset Management Company

Jaya brings in wealth of experience in debt restructuring, mortgage advisory and above all deep understanding of how to evaluate and recommend the right solution for her clients and stakeholders. She is genuinely helpful, amicable and clear-minded. As a trusted advisor, she takes an appropriate interest in one’s personal life situation while at the same time keeping focused on identified objectives. Honest, reliable, ethical and highly recommended.
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FREED Financial Services LLC

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Read Our Blogs

  • Tips for a Successful Settlement Plan

    People in debt have many questions and doubts about getting freedom from debt. Things get particularly difficult when incomes are affected, as is the case with COVID-19-related job losses or pay cuts. A settlement plan is a good way of getting relief from debt. This article explains how a debt settlement programs works and tips

    August 31, 2021
  • Dealing with Debt when Current Property Value is lower than Outstanding Debt

    While the UAE economy is recovering from COVID-19, it will be a while before the economy reaches pre-COVID levels. According to the Federal Competitiveness and Statistics Centre, the UAE’s economy shrank by 6.1% in 2020. Some sectors such as food and accommodation services, wholesale and retail, and construction were the hardest hit. The resulting job

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  • How Mortgage Debt Counselors Help Borrowers Get Debt Relief

    When people are in financial difficulties, such as increasing debt burden due to loss of income, it can be a major source of stress. In such times, people are susceptible to falling into a debt trap. Or they may make uninformed decisions, which could lead to avoidable losses. An example of such a decision is

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