Invest in a luxury villa in Marbella with a 9.75% annual return

We’re back in Marbella with a new investment opportunity. It’s a city where we’ve already financed 17 projects totaling more than 47 million euros. This time, we present the Los Monteros project, a debt operation to finance the final phase of a luxury villa in one of the most exclusive residential areas on the Costa del Sol. You’ll be able to invest starting on Tuesday, July 22 at 4:00 p.m. (UTC+2).

The investment offers a fixed annual return of 9.75% and an estimated term of 18 months, with the option to extend it by an additional 6 months. Capital and interest will be repaid at the end of the loan term.

We’ll also host an informative webinar on Monday, July 21 at 12:00 p.m. (UTC+2) to answer any questions you may have about the project.

A luxury villa just 400 meters from the sea

The Los Monteros project involves granting a €2,900,000 loan to complete the construction of a new-build luxury villa located in the exclusive Los Monteros residential area, east of Marbella. Construction is currently over 70% complete, and the loan will be used to refinance a previous mortgage loan and cover the remaining construction, furnishing, and contingency costs.

The villa is spread over four levels (including a basement) connected by an elevator and includes five en-suite bedrooms, a sixth additional bathroom, a rooftop terrace of over 200 m² with barbecue, solarium, and pool, a basement leisure area, garden, terrace, and outdoor pool. All finishes are top-of-the-line: underfloor heating, centralized air conditioning, fully equipped kitchen, fireplace, and more.

The property is currently listed for €6.5 million and is expected to reach a selling price of €7 million once fully furnished. This estimate is supported by an independent commercial due diligence.

Prime location on the Costa del Sol

Los Monteros is one of the most sought-after areas in Marbella. It offers 24-hour security, spacious green areas, and direct beach access. The villa featured in this project is currently the only new-build home available in the area, just 400 meters from the sea, with views from the top floor.

All kinds of amenities, restaurants, and hotels are within a five-minute walk. The location is also well connected to key Costa del Sol destinations: just 10 minutes from central Marbella and 40 minutes from Málaga Airport.

Developer with international experience

The project is led by Luxury Villas Marbella, a company founded by six partners with extensive experience in real estate development and promotion in countries such as Spain, France, Italy, Poland, Peru, and Chile.

The developer has already contributed over €1,850,000 toward acquisition, purchase costs, construction, and financial expenses. Urbanitae will provide up to €2,900,000 through a single debt tranche to complete the villa.

Loan terms and guarantees

The investment is structured as a fixed-rate loan, with the following main terms:

Amount:
€2,900,000

Term:
18 months (extendable by 6 months)

Annual return:
9.75%

Interest and capital:
At maturity

Minimum guaranteed return:
9 months of interest

Guarantees:

• First-rank mortgage on the villa
• First-ranking pledge on the shares and accounts of the owning SPV
• Irrevocable sale mandate for the asset at a 20% discount to current valuation if key milestones are not met

As with all Urbanitae debt projects, a project monitoring figure will be in place to oversee construction progress and validate the monthly loan disbursements.