Our Story
FCMB began with a clear purpose: to redefine the mortgage experience for clients across the UAE. Founded by Zamran Zaharan, FCMB was created with one vision in mind—to make mortgages accessible, transparent, and truly client-focused. Zamran’s years in the real estate and mortgage sectors taught him that clients needed more than just options; they needed a trusted partner to guide them through every step. With this in mind, FCMB was established to provide seamless support, always putting people first.
At the heart of FCMB are our core values of Knowledge, Trust, and Loyalty. We are honored to have grown into one of the UAE’s most trusted mortgage advisory firms, known for our commitment to excellence and integrity. Our team blends in-depth industry expertise with a personal touch, tailoring advice to meet each client’s unique needs. We see our role as more than finding the right mortgage; it’s about building lasting relationships based on understanding, trust, and your financial peace of mind.
With FCMB, you have a team that is ready to support you 24/7, 365 days. We are here to make the journey smooth, transparent, and even enjoyable. Countless clients have achieved their homeownership dreams with our help, and we are excited to be part of many more success stories. As we look ahead, our commitment to you remains steadfast: to be the advisor you trust, bringing clarity and confidence to every step of your mortgage journey.
Winning Our Clients Trust
By fostering trust, loyalty and knowledge we have won the unassailable trust of our clients. Our clients trust us to execute mortgage transactions, provide and carry out innovative financial solutions on their behalf.
Professionals of the FCMB team has gained invaluable experience over the years advising on some of the toughest mortgage transactions in the UAE and as a team we are confident in providing mortgage solutions for even complex financing scenarios.
With our commitment to 24/7, 365 days a year client first service we have created a business that thrives on knowledge, trust and loyalty.
Our Team
ZAMRAN ZAHARAN
FOUNDER & CEO
| +971 55 449 3188Zamran Zaharan is the visionary heart of FCMB, bringing over 18 years of expertise in banking, real estate, and mortgage advisory. His career began in Sri Lanka with roles at AMEX and HSBC, and he later held key positions in the UAE at Vakson Real Estate, Emirates NBD, and FAB. Known and admired for his commitment to going beyond traditional boundaries, Zamran finds genuine fulfilment in helping others achieve their goals.
Inspired by the resilience of Muhammad Ali and the drive of Ayrton Senna, Zamran leads FCMB with both integrity and passion. His ability for transforming challenges into achievable solutions makes him invaluable, consistently turning the “undoable” into reality. Beyond his professional expertise, it’s his warmth and dedication to people that set him apart, building an environment where trust and collaboration thrive. Under his guidance, FCMB stands as a model of client-centred service and innovation, embodying Zamran’s deep commitment to excellence in every client interaction.
SHALINI HEENPELLE
Manager, Channels & Business Development
| +971 56 506 3718Shalini brings a fresh perspective to FCMB, combining strategic insight with a personable approach. Born and raised in Abu Dhabi with Sri Lankan roots, she began her career in auditing and compliance, gradually expanding into customer care and management. With a solid foundation in finance and accounting, she brings the technical understanding needed to drive business development with precision. Known for her friendly demeanour and commitment to excellence, Shalini makes clients feel valued and understood at every stage. As she builds her role at FCMB, her dedication and expertise enhance the client experience.
VISHWA GUNASEKERA
Client Relations and Operations Executive
| +971 52 804 7176Vishwa is the quiet strength behind FCMB’s operations, combining technical know-how with administrative skills. His journey started in Sri Lanka with a foundation in computer science and evolved through roles that sharpened his problem-solving and project management abilities. After moving to the UAE, he became an integral part of the FCMB team, known for his calm dedication and deep expertise. Though he’s often reserved, his knowledge speaks volumes, contributing to the seamless experience our clients appreciate. Vishwa believes in learning at every step, a quality that adds depth and reliability to his role
URAIAH MONTENEGRO
Client Relations & Admin Executive
| +971 50 943 3746Aya is the spirited heart of FCMB, bringing a touch of warmth and a vibrant energy to the team; she also adds a wealth of experience from her roots in the Philippines, where she embarked on a career in mortgage advisory and customer service. With her extensive background, Aya has built strong connections with banks, real estate brokers, and developers across the UAE. Her friendly nature and approachable style have endeared her to clients, ensuring they feel at ease and heard at every stage. Guided by her mantra to “shine bright,” Aya’s enthusiasm and dedication are a valuable asset to FCMB’s client experience
