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Where Property Equity Becomes Institutional Yield

DFSA-regulated, property-backed structured returns — engineered for PE, VC, UHNWIs, family offices and fund houses. Secured by DLD title, optimised by AI, governed under Category 3C oversight.

DFSACategory 3C · CL7741
DIFCDubai
DLDDFSAAI
Regulated
DFSA · 3C
Secured
DLD Title
Public

Explore the Products

Open to bankers & investors alike. Understand EMI Sleeping Period™, Double Rental™ and Fixed EMI for Life™ — with explainer videos in English & Arabic, calculators and guides.

Investors Only

Investors

Property-backed institutional returns across the capital stack — growth equity, capital-protected notes, senior & mezzanine debt. Live returns workbench, exit matrix & memorandum.

13–15%
Net IRR
2.0–2.5x
MOIC
6–8%
Cash yield
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Traction & Capital Base
DFSA-regulated · first-lien secured
$100M
Current AUM
$200M
Pipeline (committed)
$50M
Debt funding finalized

Product Overview

The DFSA-regulated products that generate the property-backed cashflows underpinning investor returns.

Equity Release – Double Rental™

MPCL's Equity Release – Double Rental™ allows UAE property owners to unlock up to 80% of their property's market value as cash — without selling the asset and without taking a personal loan. The released equity is deployed into MPCL's structured investment vehicle, generating returns of 4–8% per annum on top of the client's existing rental income, producing two simultaneous income streams. The standard facility runs for five years, with an early exit option from Year 2 and rollover capability up to 15 years. Fully approved and operational under DFSA supervision.

Mortgage EMI Sleeping Period™

MPCL settles the outstanding mortgage directly with the bank at a negotiated discount, then releases up to 80% LTV of the property's value as equity, with all costs deducted from that equity. The net capital is deployed into a structured vehicle generating 4–8% per annum, and the net return is applied progressively to reduce the client's outstanding loan balance. This protects the client's credit record, preserves ownership, and eliminates the risk of forced sale. Subject to MPCL Credit Committee approval and DFSA requirements.

Fixed EMI for Life™

MPCL executes an Interest Rate Swap (IRS) arrangement on behalf of the client, locking in a fixed monthly payment for the entire remaining term of the mortgage. Traditionally available only to banks and large corporations, MPCL pools individual clients to access institutional-grade IRS structures under its DFSA Category 3C license — no new mortgage, no bank visit, no refinancing. Currently in final DFSA compliance preparation.

Frequently Asked Questions

Is MPCL regulated?
Yes. Money Protects Capital Limited is regulated by the Dubai Financial Services Authority (DFSA) under Category 3C, License CL7741, operating from DIFC, Dubai.
What is the typical return profile for investors?
Net IRR of 13–15% (conservative), MOIC of 2.0–2.5x over a 7–10 year hold, and a 6–8% p.a. cash yield on debt instruments — all backed by a first-lien UAE mortgage pool.
What instruments can I participate through?
Growth equity, capital-protected notes, senior secured debt, and mezzanine / sub-debt — across the full capital stack of the same collateral pool.
How is the platform valued?
USD ~1.34B weighted pre-money valuation, triangulated from DCF (USD 0.82B) and VC-method (USD 1.87B) approaches per the Crowe Mak / JRB valuation pack.
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Money Protects Capital Limited · DFSA Regulated · Category 3C · License CL7741 · DIFC, Dubai · moneyprotects.com
All figures are illustrative. Returns are not guaranteed. Subject to MPCL Credit Committee approval. © 2026 Money Protects Capital Limited.