New Project! Invest in Punta Umbría with 11% Annual Returns
Urbanitae launches a new real estate investment opportunity on the Andalusian coast: the Torres Punta Umbría II project, a debt operation that is part of the same development as the Torres Punta Umbría project, published on October 16.
Both projects are part of a single €5.88 million financing operation, intended for the acquisition of three plots in Punta Umbría (Huelva) and the development of a future residential promotion.
The new opportunity, corresponding to the second tranche, will have a total of €2.2 million and will open for investment on Monday, October 27 at 16:00 (UTC+2).
Project Overview
The bridge loan will partially finance the land acquisition and cover the structuring costs of the financing, as well as other expenses prior to formalizing the developer loan.
Repayment of the loan is expected once the bank financing is formalized, after obtaining the building permit and reaching the pre-sale level required by the financial institution.
The manager estimates a 12-month timeframe to reach these milestones. At that point, a capital increase is planned to repay the loan and its interest. Urbanitae reserves the right to participate in this capital increase through a new project.
A Project on the Huelva Coast
The development is located in Punta Umbría, a coastal town at the mouth of the Odiel River, opposite the city of Huelva. Surrounded by protected natural areas—such as the Odiel Marshes and the Enebrales Natural Area—and with over 10 kilometers of fine sandy beaches, Punta Umbría combines nature, services, and quality of life.
The project plans the construction of 120 multifamily homes distributed in three independent blocks (ground floor + 8 floors), with 2, 3, and 4 bedrooms, an average area of 124 m², and landscaped communal areas.
The development will be in a well-established area, with all services nearby and just 300 meters from the beach, making it an ideal location for both permanent residence and a second home.
The Manager: Admara Capital
The project is led by Admara Capital, a platform specializing in real estate investment and asset management.
With extensive experience in Spain and Portugal, Admara has managed over €2 billion in real estate assets and participated in more than 25 joint ventures with institutional funds and national and international family offices.
The firm has a team experienced in finance, investment, asset management, and real estate development, with a strong focus on the quality residential segment and prime locations.
11% Return in 12 Months
Here are the loan conditions:
- Total tranche amount (Urbanitae): €2,200,000
- Term: 12 months (+6 months optional extension)
- Fixed annual interest: 11%
- Estimated total return: 11%
- Minimum guaranteed interest: 6 months
- Interest and principal: payable at maturity
Guarantees
- First-rank mortgage on the asset, with mortgage liability of 135% of the principal.
- First-rank pledge on the shares of the borrowing company.
- First-rank pledge on the project bank accounts, with exclusive lender control.
Leverage ratios are conservative: LTC of 70% until Urbanitae exits and LTV of 50% on the asset valuation.
Why Invest in Torres Punta Umbría II?
The main highlights of the Torres Punta Umbría II project are:
- Fixed return of 11% per year, with interest equivalent to at least six months guaranteed.
- First-rank mortgage on the asset and pledge of shares and bank accounts.
- Experienced developer with a consolidated relationship with Urbanitae.
- Exceptional location just 300 meters from the beach.
- Conservative ratios (LTV 50% and LTC 70%).
Planned Schedule
The estimated project term is 12 months, with a possible 6-month extension.
- Q4 2025: Loan granting and acquisition of plots.
- Q4 2025: Request for detailed study and urbanization project.
- Q1–Q2 2026: Start of sales and building permit application.
- Q4 2026: Permit obtained and loan repaid.
This time there will be no webinar, as Torres Punta Umbría II corresponds to the same development as the project presented on October 16, whose informative webinar remains available for consultation.
As always, our team is available to answer any questions at contact@urbanitae.com or (+34) 911 23 25 22.
With Torres Punta Umbría II, Urbanitae strengthens its presence in Andalusia and offers a new fixed-rate investment opportunity with solid guarantees and high returns, in one of the most promising coastal areas of the southwestern peninsula.
