The honest list. Every property scheme has one.
Every serious investment carries risk. Anyone who tells you otherwise is selling something. Here is the plain-English list of what can go wrong — and exactly how we mitigate each one.
Between the day you pay and the day you complete, the local currency and yours can move — up or down.
All contracts are settled in a stable reference currency (GBP or USD) where possible. Payments already made are locked at that day's rate. Optional Quote Lock protects your headline price for up to 90 days.
Weather, permits, or supply chains can slow a build by weeks or months.
Milestone-based fund release means you never pre-pay for uncompleted stages. If a build stalls past the contract deadline, you may pause payments, request refund of unreleased escrow, or transfer to another MAVULA project.
Governments can change transfer duties, foreign ownership rules or inheritance tax rates.
Your contract is governed by the law in force at the date of signing. Independent local lawyers monitor changes and notify you before renewals or transfers.
Floods, drought, civil unrest and pandemics can pause construction or reduce local rental demand.
Standard force-majeure clauses extend deadlines without penalty. Insurance covers physical loss of built structures once the roof is on.
Property is not as easy to sell as shares. Finding a buyer can take weeks or months.
MAVULA operates an optional buy-back at cost + earned interest (subject to your contract). You can also list on the internal MAVULA secondary marketplace or sell privately.
In some countries, the property registry can be slow or contested.
Independent lawyers, named on your contract, complete the title-deed registration process. Optional third-party title insurance can be added at your request.
The rate set in your project contract is protected for the term stated there — but can only be renegotiated with your written agreement. Any illustrative rate figures shown elsewhere on this site are not a financial promotion and may not match your final contract.
You can pay down the balance early with no penalty. Rate resets are capped in the contract (never above the local mortgage market rate on the reset date).
What happens to my money if MAVULA the company ceases to trade?
Client money is held in a segregated account, not on MAVULA's balance sheet. If MAVULA ceased trading, the independent trustee continues to release funds to the builder or refunds you directly.
Read this. Take it to your lawyer.
Nothing on this page is financial or legal advice. Before you commit, download the full Due-Diligence Pack and take independent advice in the country where the property is located.