Dubai Club Deal Investing: Mortgage-Secured 8% Yields

Why private credit, why Dubai

For decades, the most attractive real estate lending opportunities in high-growth markets like Dubai were reserved for institutions and a narrow circle of ultra-high-net-worth insiders. The Club Deal opens a structured, mortgage-secured lending model to a limited pool of investors from as little as €1,000 — while preserving the discipline, collateral protection, and alignment that serious capital demands.

How the structure works

Investor capital is pooled and deployed as senior loans to vetted Dubai real estate operators. Every loan is secured by a first-rank mortgage on income-producing property, with conservative loan-to-value ratios and independent valuation.

• Minimum ticket: €1,000
• Target net yield: 8% per year
• Distributions: quarterly, in cash
• Collateral: first-rank mortgage on Dubai real estate
• Term: rolling 12–24 months

Where the yield comes from

Dubai's private credit spreads remain wide because bank financing for foreign operators is slow and expensive. That gap is not a bonus — it is the structural reason a disciplined lender can earn double-digit gross returns while lending at conservative LTVs.

Protections on your capital

• Independent valuations before every drawdown
• First-rank mortgage registered at Dubai Land Department
• Segregated accounts, quarterly reporting, annual audit
• Skin in the game: the team co-invests in every deal

The Club Deal is designed for investors who want Dubai exposure without owning, managing or reselling a whole property themselves.