About

Routed through four cities.

I came to Dubai in 2021 by way of Kyiv, Prague, and Munich. Mortgages taught me how people finance what they own. Real estate taught me how they grow it.

Nazar Koshliak

Nazar Koshliak is a real-estate portfolio manager and investment advisor based in Dubai — pairing tier-one developer access with the personal handling that turns first-time buyers into repeat clients and quiet referrals.

He works across Dubai's primary market — branded residences, beachfront, Downtown and emerging districts — building diversified portfolios for global investors looking to compound wealth inside the Middle East.

With a focus on the long game, in-person trust, and a network that spans Europe, the GCC and the CIS, Nazar has positioned himself as the operator HNW clients and family offices lean on for the deals that are not yet on the open market.

Live · Dubai market Off-plan launches: 14 active Avg sale price · Dubai Hills · AED 2.4M Yield · Marina 1BR · 6.8% Q1 2026 transactions · +18% YoY Featured developers · Emaar · Sobha · Meraas · Omniyat Live · Dubai market Off-plan launches: 14 active Avg sale price · Dubai Hills · AED 2.4M Yield · Marina 1BR · 6.8% Q1 2026 transactions · +18% YoY
The story

From mortgage desks to real estate conviction.

I'm Nazar — born and raised in Ukraine, where I first learned that property is the most personal financial decision most people will ever make.

In Prague, I worked as a mortgage broker, structuring home loans for clients across Czech Republic and Central Europe. I watched the same pattern, year after year: the financing was downstream of a much bigger decision — the property itself. The wrong building, wrong street, wrong leverage — no mortgage could fix that.

From Prague I moved to Munich, where I spent 2.5 years working directly in real estate — my first proper step across the table. Bavaria runs on precision: every assumption documented, every transaction stress-tested. That discipline shaped how I work today.

So in 2021 I moved to Dubai and crossed the table. Now I sit with clients before the contract is signed — when the decision still matters.

Five years in, I work across the full UAE residential market: off-plan launches, ready resale, holiday-let stock, and quiet portfolio rebalances for clients who already own three, four, ten units. Same care every time.

02The journey

Kyiv → Prague → Munich → Dubai.

Ukraine

Origin

Born and raised in Ukraine. First exposure to real estate through family — watching how property decisions shaped a household across decades.

Prague

Mortgage broker, Czech Republic

Years structuring home loans for clients across Central Europe. Learned the financial mechanics behind every property: leverage, risk, default scenarios, the mathematics of holding power.

Munich

Real estate, Germany

2.5 years in Munich — my first move into real estate proper. Bavaria taught me precision: every transaction documented, every assumption stress-tested, every client expectation written down.

2021

Relocation to Dubai

Moved to the UAE to step into real estate directly. The most dynamic residential market on the planet, and the cleanest fit for cross-border, multi-currency clients.

2022 – 25

Portfolio practice

Built a private client book across off-plan and ready stock with Emaar, Meraas, Nakheel, Sobha, Select Group, Ellington, Beyond, Omniyat, and H&H. Recognised by multiple developers as a featured sales partner.

Today

Now

Serving private investors, family offices, and end-users across the UAE — with a portfolio-management mindset rather than a single-transaction one.

Languages

I work in five languages — every conversation in your own.

  • EnglishFluent · client-facing
  • RussianNative
  • UkrainianNative
  • CzechFluent · 4 years in Prague
  • GermanFluent · 2.5 years in Munich
Philosophy

How I work differently.

  • i.
    One file, one operator.

    From first call to handover — and beyond. No handoffs to junior agents, no losing context.

  • ii.
    Written briefs, not pitches.

    After our first conversation, you get a written summary of fit, risk, and next steps.

  • iii.
    The numbers come first.

    Yield, ticket size, holding cost, exit window — before we walk a single building.

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