Private-Access Real Estate · Three Markets · One Mandate
We build concentrated, three-market real estate mandates for founders and operators who have outgrown fund-of-funds — executed under Swiss governance, by one dedicated partner, from sourcing to exit.
By invitation and verification. Minimum mandate: €1 M.
Our Trust Framework
Operated by Kuruvilla Worldwide AG (UID CHE-398.813.028, Hunzenschwil). SRO affiliation and AMLA registration are disclosed on the qualification call. Every mandate passes the same internal checklist. The checklist is published; ask for it.
You will not be passed to a junior. The person who signs your mandate signs your Q4 refinance, your 2029 exit, and every email in between. Each partner carries between five and seven mandates. When one is full, intake stops.
Your mandate lives on a private Swiss-hosted data room with TLS 1.2+ encryption. No marketing team, no CRM integration, no external analytics pixel runs on your file. We name zero clients publicly without written permission.
Geographic Framework
Three real-estate markets, one mandate, one decision-maker. Each leg has a job: stability, growth, or optionality. Together they make a portfolio that survives a bad year in any of the three.
CHF
Stability · Income · CHF Preservation
The Swiss leg is boring on purpose. We allocate into FINMA-regulated real estate funds with ten-year-plus track records, distribution yields between 2.6 and 3.4 %, and premiums to NAV we accept only below 15 %. This is not where your returns come from. This is where your capital stops losing to inflation while the other 60 % works.
AED
Leverage · Off-Plan · Refinance at Handover
We work with three Dubai developers (names disclosed under NDA after qualification). Off-plan entry at 20 % down, construction 24–36 months, leveraged refinance at handover targeting 1.5–2.0x equity inside the four-year horizon. The ceiling is high, the risk is real. We hedge it by never committing to a single project from a single developer's pipeline.
EUR
Coastal Growth · Cash-Out or Rent
Costa del Sol coastal stock and select Madrid peripheral districts. Off-plan entry, 18–24-month build. At handover you choose: sell into a market that has compounded 6–9 % annually since 2021, or retain for 5–7 % gross rental yields. We built this leg because every mandate needs one position where the exit is optional, not obligatory.
Indicative allocation on a CHF 1’000’000 reference portfolio — tailored individually based on investor profile and mandate.
How It Works
Every stage is signed off by the same partner. Every document is filed. Every decision is logged.
Off-market access through three Dubai developers, two Spanish operators, and a curated list of Swiss real-estate funds. Names disclosed under NDA after qualification.
Financial, legal and technical analysis before any capital is committed.
Ownership structure (private name, AG, holding), financing terms, and a written mandate side-letter on every position.
Reservations, escrow, notary, registration, payment schedule. Handled by one desk so you handle none of it.
Ongoing oversight, performance reporting and portfolio optimization.
UAE refinance at handover, Spain sell-or-hold decision at handover, Swiss redemption on demand.
What You Stop Doing
Ten responsibilities you currently coordinate yourself — lawyer calls, developer escrow, monthly invoices, tenant searches, Golden-Visa paperwork — consolidated into one desk with one partner.
We guide you through the entire purchasing process — from reservation to transfer of ownership.
One contact person for everything. We coordinate developers, authorities, and service providers on your behalf.
Professional handling of all payments, contracts, and regulatory requirements.
Complete and transparent documentation of all transactions and receipts — accessible to you at any time.
We take care of full property management and ensure your rental income is received on time.
From tenant sourcing to contract management — we maximize your returns through professional leasing.
Transparent reports on your property, rental income, and market developments — clear and provided on a regular basis.
Our on-site experts thoroughly inspect your property upon handover — no need for you to travel.
We support you through the entire Golden Visa process in Dubai, including document coordination, handling authorities, and step-by-step guidance through to final submission.
Significantly reduce your cash outflow during the construction phase (from 40–50 %) with financing options of up to 25 years.
Portfolio Strategy
Below: the base-case projection for an indicative CHF 1 M reference mandate. Bull and bear scenarios are modelled on the same engine and shared on the qualification call.
Scenario Assumptions
Every projection above is one scenario. The full base / bull / bear sheet is sent on the qualification call.
Swiss fund yields and UAE/Spain market growth at long-run averages. No major regional shock.
UAE refinance executes at upper end of equity multiple; Spanish coastal continues 7–9 % appreciation; Swiss premiums to NAV stable.
Dubai correction synchronised with Spanish coastal softening; UAE refinance at par or with partial loss; Swiss leg distributes only.
The Swiss leg defends. The UAE leg attacks. The Spanish leg keeps the exit optional.
40 % CHF / 30 % AED / 30 % EUR. FX effects are not embedded in the headline numbers.
Four years. UAE refinance at handover, Spain optionality at handover, Swiss continuous distribution.
Net 5–8 % p.a. across the cycle, measured against a reference Swiss-fund-only allocation.
All numbers are model projections, not advice. Information on this page is for professional and qualified investors as defined under FinSA Article 4. Returns are not guaranteed; capital may be lost. Currency risk and individual tax treatment are reviewed at mandate level with your advisors.
Benefits for Our Investors
Switzerland, UAE and Spain in one mandate — without three sets of lawyers, three sets of bankers and three sets of agents.
Three positions, sized for impact. Not 40 funds chosen by allocation committee.
Operated by Kuruvilla Worldwide AG, registered in Aargau. Documents in a Swiss data room. Decisions in writing.
Base, bull and bear cases on every leg. The bear case is shown, not buried.
Two percent on capital, twenty on profit above hurdle. Any third-party rebate is credited to you in writing.
Diligence Deposit
A deposit, not a fee. Refundable on request within 30 days. Credited in full against your engagement fee on mandate signing. The deposit is not how we make money — it is how we make sure both sides are serious before we open the dossier.
Sent on mandate signing · not before
A filter, not a fee
The deposit signals you are serious. The dossier signals we are. Both sides earn the next step.
Diligence Deposit
Verified developer financials. Project-level legal and technical reports. Live market data on Switzerland, the UAE and Spain. Scenario modelling with our own redline commentary. We do not share it publicly. We do not share it on a call.
Refundable in 30 days · Credited in full on mandate
Send Diligence DepositWhat you receive
An engraved access credential is sent only after mandate signing — never on deposit alone.
From First Touch to Mandate
There is one place where qualified investors meet the partner who would run their mandate — the qualification call. The deposit simply lets you arrive with the dossier already in hand.
Submit the form. Reviewed personally within one business day.
CHF 240, refundable in 30 days, credited on mandate — opens the dossier before the call.
With the partner who would handle your mandate. No team. No pitch. Mutual fit assessment.
Developer files, project files, sample mandate agreement, base/bull/bear scenarios — with your lawyer if you wish.
Sign the mandate, fund, and let the desk run it. Or walk — deposit refunded same day.
Positioning
We turn away more prospects than we accept. If one of the profiles below describes you, we will say so on the first call — politely — and return your deposit the same day.
We combine access, expertise and execution to build long-term value across Switzerland, the UAE and Spain.
Frequently Asked Questions
You should not trust us yet. The deposit exists to let you verify us, not to commit you. The CHF 240 is fully refundable on request within 30 days, and credited in full against the engagement fee if you mandate us. The first call is with the founder personally — verifiable on LinkedIn before you book it. Our regulatory affiliation, legal entity, and a sample mandate agreement are available on request before any payment.
Your invested capital is never held by us. It flows directly to regulated counterparties — FINMA-supervised real estate funds, developer escrow accounts, and notary trust accounts. The only exposure to Kuruvilla Worldwide AG is the management and performance fees we have already invoiced. Operationally: client documents and reporting live in a Swiss-hosted data room separate from our trading systems.
Private banks offer fund-of-funds passivity at the CHF 3–5 M tier — a 60/40 portfolio in proprietary structured products with 1.0–1.5 % in stacked fees. We offer a concentrated, three-market real estate mandate, executed actively by one named partner, at 2 + 20. We complement your banker; we do not replace them. Most of our clients keep their banker and use us for the real estate sleeve.
The bear case in our four-year model: total portfolio annualised return of ~0 % net, with the UAE leg producing a partial loss on equity (offset by the Swiss anchor distributing). In a serious global recession with simultaneous Dubai-correction and Spanish-coastal-softening, the bear case extends to a 5–15 % capital loss on the leveraged regional positions before fees. We model these cases explicitly — ask for the bear-case scenario sheet on the qualification call.
Switzerland for stability, currency and regulation. UAE for leverage, growth and liquidity at exit (off-plan refinance is a real mechanic, not a story). Spain for euro-denominated coastal supply that compounds without leverage and offers rental optionality. Germany is over-banked and rent-controlled; the US adds tax friction without the upside our principals already get from CHF allocations; Portugal’s Golden Visa programme has political risk we are unwilling to underwrite. We made a choice. We can defend it.
Four to six decision points per year from the principal — fund-allocation choices, off-plan-position green-lighting, refinance and exit timing. One quarterly call. One annual in-person meeting in Zurich, Zug, or your domicile. A written report every month. Email response within one business day, every time, from the same person.
Yes. The full sample mandate agreement is sent on request after the qualification call — before any payment. We do not ask anyone to sign a contract they have not had an independent lawyer review. We will introduce you to two if you do not have one in this domain.
By leg, honestly: Swiss real estate funds — weekly liquidity at NAV (or at a small premium/discount on secondary). UAE off-plan — at handover, or via secondary market with a 5–10 % haircut. Spain off-plan — at handover; secondary on completed units. We do not pretend any leg is more liquid than it is.
This is the most important question on this page. Our compensation is the 2 % management fee on invested capital and the 20 % performance fee on profit above hurdle. Where any third-party introducer or developer rebate is offered to us, it is disclosed in writing to the client and credited back to the mandate in full. We are economically aligned with your net return, not with deal volume.
Yes. The founder name, photograph, professional background and LinkedIn profile are available on the qualification-call booking page. We do not ask anyone to engage with an anonymous “we”.
Final Step
If you are allocating €1 M or more across real estate and want one Swiss desk to run it, the next step is twenty minutes on the phone with the partner who would handle your mandate.
Free. Reviewed personally within one business day.
Refundable in 30 days. Credited in full on mandate.
Access independent due diligence to evaluate opportunities with confidence.
Your access and data are protected by enterprise-grade security and confidentiality protocols.
Sourced from FINMA, Reidin, DLD and Idealista — cross-checked against our own redline files.
All content is reviewed and updated monthly to ensure accuracy and relevance.
One-time access to the platform with lifetime rights to all updates and future reports.
Operated by Kuruvilla Worldwide AG (CHE-398.813.028, Hunzenschwil). This page is intended for professional and qualified investors as defined under FinSA Article 4. The information provided is for general information purposes only and does not constitute investment advice, solicitation or a guaranteed return. All investments involve risk. Please conduct your own assessment and consult your advisor.
