نبذة عني
I was 22 when my father — a blue-collar worker who gave everything so I wouldn't have to…
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مقالات Hammad
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Hammad Roshan أعاد نشر ذلكHammad Roshan أعاد نشر ذلكDUBAI OPPORTUNITY OF THE DAY Not every good investment is in Downtown, Marina or Business Bay. Sometimes, the better opportunity is where Dubai is growing next. 📍 DUBAI SOUTH Why am I watching this area? ✦ Major infrastructure development ✦ Proximity to Al Maktoum International Airport ✦ Expo City and major future developments nearby ✦ Growing residential demand ✦ More attractive entry prices compared with established prime locations ✦ Potential for long-term capital appreciation The investment principle: Don't always buy where everyone is already buying. Look for where demand is going next. But remember — an emerging area doesn't automatically make every project a good investment. The developer, entry price, payment plan, unit selection and exit strategy still matter. My approach: Find the right property in the right location before the opportunity becomes obvious to everyone. 📩 Looking for an investment opportunity in Dubai? DM me with your budget + investment goal, and I'll suggest options accordingly. #DubaiRealEstate #DubaiSouth #DubaiProperty #UAERealEstate #PropertyInvestment
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Hammad Roshan نشر ذلكI built an AI-native brokerage for one selfish reason: so I could afford to be honest. Honesty is expensive in this industry. Telling a buyer the net yield is 5%, not 8% — telling them to wait, or walk — costs you the commission. So most brokers don't. Here's how I made candour affordable: I let AI carry the cost base. It calls, qualifies, follows up, handles the admin and the content — instantly, around the clock, at a fraction of a sales team's overhead. That means I don't need to push a bad deal to make the month. I can tell you the truth and still run a business. So here's what working with Tahani actually looks like: → You're called back in minutes, not days → You get the net number, the full cost ledger, and the risks — in writing, before you commit → You get a real, accountable human for the viewing, the negotiation, the close → You get told "no" when the numbers say no I'm an ACCA running a brokerage in a 0-tax city, selling to people who think in spreadsheets. The pitch isn't "trust me." The pitch is "check my math." If you're weighing Dubai property from London, Singapore, India — or you're already here — comment or DM. First thing I'll send back is a number, not a brochure. #DubaiRealEstate #PropTech #PropertyInvestment
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Hammad Roshan نشر ذلكLondon, Singapore and Mumbai have almost nothing in common right now — except where their capital is going. Three very different cities. Three very different reasons. One destination. London. The 200-year-old non-dom regime ended in April 2025. Worldwide estates now face 40% inheritance tax after 10 years' residence. Globally mobile wealth is reading the writing on the wall. Singapore. Foreigners pay 60% stamp duty on residential property. Among the best-run cities on earth — and among the most expensive to deploy property capital into. Mumbai (and India broadly). A $250k annual cap on outbound capital and 20% upfront tax collection on investment remittances. Capital that wants to diversify globally has to fight friction to do it. Different pressures. Same release valve: a city with 0% income, capital gains, property and inheritance tax, a 10-year residency for AED 2M of real estate, and a time zone that talks to all three before lunch. Here's what they all get wrong on arrival, though: they chase the gross yield and the launch hype, and skip the net number and the cost ledger. The capital shows up sophisticated and then buys like a tourist. That's the gap I built a brokerage to close — speak finance, not brochure. If your capital sits in one of these corridors: what's the real reason you're looking at Dubai — tax, yield, residency, or just optionality? #DubaiRealEstate #GlobalRealEstate #ExpatInvesting
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Hammad Roshan نشر ذلك"Dubai's a bubble." It's the first thing every sophisticated investor says to me. So let me make the bear case for you — properly. I'm not going to dodge it. If I want you to trust the bull case, I have to be honest about the bear one. As an ACCA, here's the case against Dubai property — the real version, not the strawman: → Supply. A lot of new units are coming. More supply can pressure both prices and rents. This is the single most legitimate concern. → Cyclicality. Dubai has had real corrections before. Anyone who tells you "only goes up" is selling, not analysing. → Off-plan concentration. A market leaning heavily on off-plan and payment plans carries handover and speculation risk. → Sentiment-driven demand. Some of the recent demand is tax-and-residency migration. If those drivers shift, demand can soften. Now the other side, just as honestly: zero personal taxes, genuine population and capital inflows, deeper regulation than a decade ago, and structural demand from the exact corridors I keep writing about. The fundamentals today are not the fundamentals of 2008. My honest position? It's not a bubble in the "about to pop" sense — but it IS a cyclical market that rewards buying the right asset at the right price, and punishes buying hype at any price. Which is the whole reason I obsess over the net number. Skeptics are usually right to be skeptical. The job isn't to talk you out of it — it's to make sure the numbers survive the bear case. What's your strongest argument against Dubai property right now? Genuinely want to stress-test it. #DubaiRealEstate #PropertyInvestment #RealEstateInvesting
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Hammad Roshan نشر ذلكBuying Dubai property isn't just a real estate decision. It's a dollar decision. Most buyers miss this. The UAE dirham is pegged to the US dollar — and has been, at a fixed rate, since 1997. That single fact changes what you're actually buying. When you buy a Dubai apartment, you're not just buying property. You're taking a US-dollar-denominated position. For an investor in London, Singapore or Mumbai, that's a currency decision riding alongside the real estate one — and as an ACCA, I'd never let you make it by accident. What it means, depending on where your money lives: → From GBP or SGD: your return now moves with the dollar too. If your home currency weakens against USD, your Dubai asset is worth more in your terms — and vice versa. → From INR: the rupee has structurally drifted weaker against the dollar over the long run. Historically that's quietly added to returns for Indian investors holding dollar-linked assets — though past trends never guarantee future ones. This isn't a reason to buy or not buy. It's a reason to know what you're holding. A Dubai property is partly a real estate bet and partly a dollar bet, and a serious investor should price both — not discover the second one at exit. Ask any broker about the currency exposure on your purchase. If they look blank, that tells you something. (Currency moves cut both ways and aren't predictable — this is context, not advice.) For the FX-literate: is the dollar peg a feature or a risk in your book? Curious how you weigh it. #DubaiRealEstate #ExpatInvesting #PropertyInvestment
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Hammad Roshan نشر ذلكOff-plan is the most oversold product in Dubai real estate. I sell it. I also tell you the risk. The pitch is seductive: low entry, interest-free payment plans, "buy at today's price, sell at handover." Sometimes it works beautifully. As an ACCA, here's the risk side nobody puts on the brochure. → Handover risk. "Q4 2026" is a target, not a promise. Delays happen, and your capital is committed while you wait. → Market risk at handover. The plan assumes prices rise by completion. They usually have — but "usually" is not "always," and you're underwriting a market 2–3 years out. → Developer risk. Payment structures and escrow protections vary. The developer's track record matters more than the render. → Liquidity. Selling before handover isn't always frictionless and can carry developer fees. None of this means don't buy off-plan. It means price the risk instead of pretending it's free. A ready property gives you a real tenant and a real yield today; off-plan gives you optionality and leverage on the future. Different instruments, different risk. The broker's job isn't to talk you into the one with the bigger commission. It's to tell you which risk you're actually taking. Off-plan or ready for your last purchase — and would you do it the same way again? #OffPlanDubai #DubaiRealEstate #PropertyInvestment
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Hammad Roshan نشر ذلكThe first time my AI caller went live, it embarrassed me. I kept it running anyway. Here's why. I promised I'd document what breaks. So here's one. Early on, the AI calling a lead got asked something specific about a building — and instead of saying "let me get you the exact figure," it gave a confident, generic answer. Not wrong exactly, but not the precise, useful thing a serious buyer wanted. I cringed. The easy reaction is "see, AI can't do this, go back to humans." But that's lazy. Because here's what a human SDR does on call 60 of the day, at 6pm, on a lead they've half-forgotten: exactly the same thing — a vague, confident, generic answer. The difference is the AI does it consistently, I can SEE it in the transcript, and I can fix it once for every future call. So I didn't pull it. I tightened it: clearer escalation rules, "I don't know, I'll get you the number" as a feature not a failure, and a hard handoff to a human the moment a real investment question shows up. That's the actual promise of building this way. Not that the machine is perfect — that the mistakes are visible, systematic, and fixable, instead of buried in a tired rep's bad afternoon. Building in public means showing the cringe, not just the wins. More of these coming. What's a "mistake" in your business that's actually just a process you haven't tightened yet? #PropTech #DubaiRealEstate #BuildInPublic
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Hammad Roshan نشر ذلكPaying cash for a Dubai investment property usually means leaving money on the table. Here's the leverage math. Most overseas buyers pay cash because it's simple. Simple isn't the same as optimal. As an ACCA, here's the trade-off I'd lay out. Pay all cash, and your return is the net yield on the full amount — clean, but your capital is fully committed to one asset. Use a mortgage (UAE banks lend to non-residents, typically up to ~50–60% LTV), and two things happen: → Your cash-on-cash return can rise, IF the property's net yield exceeds your borrowing cost — that's positive leverage → Your capital stays partly free — for a second asset, or simply liquidity The risk is the mirror image: if borrowing cost exceeds net yield, leverage works against you. And rates aren't static. This is exactly why the gross-vs-net number matters so much — leverage amplifies whichever one is real. There's no universal answer. A cash buyer prioritising simplicity and a leveraged buyer maximising IRR are both rational — they just have different goals. What's not rational is paying cash by default because nobody showed you the other column. Run both columns. Then decide. (Not financial advice — your cost of capital and risk tolerance drive this. Model it with your adviser.) Cash buyers: was it strategy, or just simpler? No judgment — curious. #DubaiRealEstate #PropertyInvestment #RealEstateFinance
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Hammad Roshan نشر ذلكThis one's for the wealth managers and family offices reading — not your clients. You advise people with global portfolios. Increasingly, those clients are asking about Dubai property — and you need someone on the ground you can actually trust to brief them, not sell them. Here's the problem with most Dubai brokers from your seat: they're salespeople. They quote gross yields, push the launch with the biggest commission, and "guarantee" returns nobody can guarantee. Put your client in front of that, and it's your reputation on the line, not theirs. I built Tahani to be the opposite — because I'm an ACCA before I'm a broker. What that means for you: → Your client gets the net number and the full cost ledger, in writing — the same analysis you'd run → No "guaranteed return" theatre; just gross, net, range, and risk → The regulatory and remittance reality for UK, Singapore and India buyers, mapped properly → A real person accountable for the viewing, negotiation and close I'm not trying to replace your advice. I'm trying to be the Dubai execution arm you can hand a client to without wincing. If you've got clients looking at Dubai and want a broker who'll talk to them in your language, let's connect. DM me. #FamilyOffice #DubaiRealEstate #WealthManagement
Hammad Roshan قام بالتعليق على منشور
٢ أسبوع
Rubania Gonsalves
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Hammad Roshan أضاف إعجابًا إلى ذلكHammad Roshan أضاف إعجابًا إلى ذلكDUBAI OPPORTUNITY OF THE DAY Not every good investment is in Downtown, Marina or Business Bay. Sometimes, the better opportunity is where Dubai is growing next. 📍 DUBAI SOUTH Why am I watching this area? ✦ Major infrastructure development ✦ Proximity to Al Maktoum International Airport ✦ Expo City and major future developments nearby ✦ Growing residential demand ✦ More attractive entry prices compared with established prime locations ✦ Potential for long-term capital appreciation The investment principle: Don't always buy where everyone is already buying. Look for where demand is going next. But remember — an emerging area doesn't automatically make every project a good investment. The developer, entry price, payment plan, unit selection and exit strategy still matter. My approach: Find the right property in the right location before the opportunity becomes obvious to everyone. 📩 Looking for an investment opportunity in Dubai? DM me with your budget + investment goal, and I'll suggest options accordingly. #DubaiRealEstate #DubaiSouth #DubaiProperty #UAERealEstate #PropertyInvestment
الخبرة والتعليم
التراخيص والشهادات
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Excel: Power Pivot for Beginners
Linkedin Learning Courses Review 2020
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UAE CA
Accountants and Auditors Association - AAA
تم الإصدار في معرف الشهاد�� 949
الدورات التعليمية
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ACCA
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Advance Leadership Development
Graduated
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IFRS Update 2018
BA-219-20
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Microsoft AX dynamics 2009
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المشروعات
التكريمات والمكافآت
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Chairman's Choice Award
Chairman
This award is presented to me for my handwork, loyalty and strategic input which turned valuable for our organisation business.
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English
إجادة اللغة الأم أو إجادة لغتين إجادة تامة
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Urdu
إجادة اللغة الأم أو إجادة لغتين إجادة تامة
المؤسسات
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ACCA
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التوصيات المستلمة
7شخص قدموا توصية لـHammad
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