Release capital without selling the asset.
You've built equity over years. The property works for you. But capital tied up in a villa you live in — or an asset you already own outright — doesn't fund the next move. Equity release turns that equity into working capital, without a sale.
We arrange it for business owners funding growth, investors re-deploying into the next acquisition, and families restructuring across generations. One file. No sale event. Full control of what you own.
Who we arrange equity release for
The business owner funding growth
You own a Dubai property outright, or nearly so. You want to deploy capital into the business — working capital, expansion, acquisition — without giving up equity or raising corporate debt. Cash-out refinance or loan against property, structured around your trading profile.
The investor adding another asset
You own a residential or commercial property with equity in it. You want to release that equity as the down-payment on the next acquisition. We build the release and the new finance as one conversation, not two.
The family restructuring across generations
Intergenerational wealth planning sometimes calls for equity to move without the property itself changing hands. We structure the release around the family's objectives and the bank's credit policy.
A discreet sequence, run properly.
01. Valuation.
The bank assesses your property against its own panel. We route the file to the lender whose valuation approach suits your asset.
02. Structuring.
We position your income, entity, and purpose — the way credit committee wants to read it.
03. Placement.
We present the file to the lender with real appetite for your profile this quarter — not the one whose rack rate looks best on paper.
04. Execution.
Offer, documentation, drawdown. Capital lands in your business or personal account with complete transparency on timing.
What changes the outcome on an equity release
1 · Loan-to-value policy
UAE banks apply different LTV ceilings on equity release than on purchase mortgages — and different again for business-purpose releases. We know which lender's LTV policy fits your file before you apply.
2 · Income documentation
Self-employed, trading company, dividend, rental — each reads differently at committee. Same income, sharper narrative.
3 · Purpose declaration
Business purpose, investment, or personal — purpose changes pricing and approvability. We frame it correctly from the first file.
What a typical equity release looks like
A UAE resident, 45+, owns a villa worth AED 8–25M. Mortgage either fully paid or nearing completion. Seeking a release of AED 3–15M, either lump-sum or drawn in tranches. Purpose: business growth, a second acquisition, or family restructuring. Timeline from first call to drawdown: typically 6–10 weeks.
Every file differs. The figures above are indicative — the actual number depends on your profile, the property, and the lender's policy this quarter.
The difference a banker makes
Most advisors treat equity release as a product. It isn't. It's a structure — and the structure determines whether it approves, at what LTV, and at what cost.
Momentum is run by a UAE banker of nine years, advising on mortgages since 2023. We wrote credit memos against the same policies the bank is now reading. We know which lender will say yes to your file — and which will counter-offer in a way you'll quietly resent. On an equity release that single judgment saves you time, paperwork, and basis points.
Arranged privately.
Confidential. No obligation. Fifteen minutes.
Share the property, your rough numbers, and what the capital is for. We'll tell you plainly which lenders will engage and at what LTV to build around.