Jean-Luc Desbois is a non-executive director of Home Matters Mortgage Consultants and co-founder mortgagedirect.ae. Born in Jersey, Channel Islands, Jean-Luc has over 20 years international banking experience with 3 major UK banks. He arrived in the UAE with his family in 2005 on secondment with HSBC and was previously stationed in Singapore with Standard Chartered Bank. Jean-Luc is dual qualified with both IAC and FPC financial advisory qualifications from the UK. He sat the RERA exam in 2008 and was a delegate in the first Certified Mortgage Broker (CMB) course held in November 2014. He has since rewritten the CMB course and exam content and facilitates/lectures for DREI. Having firsthand experience of an under-developed mortgage market in both the boom and recession, he has utilized his vast experience and expertise to transform Home Matters into the most respected independent mortgage group in the UAE.