Urbanitae Blog | The best real estate investment news

Category: Projects

All the news about Urbanitae’s projects on the Urbanitae blog.

  • New Project! Invest in 205 sea-view homes on the Costa del Sol

    New Project! Invest in 205 sea-view homes on the Costa del Sol

    UPDATE 07/29/2025: Due to the nationwide blackout that occurred on Monday, April 28, we have modified both the project launch date and the informative webinar date.

    You will be able to invest in this project on Monday, May 5, at 4:00 p.m. (UTC+2). You can ask your questions during the webinar with the developer, which will take place tomorrow, Wednesday, April 30, at 12:30 p.m. (UTC+2). We look forward to seeing you there!

    At Urbanitae, we continue to focus on real estate investment opportunities in strategic locations. Today, we present El Higuerón TB65, a capital appreciation project in Fuengirola (Málaga) to develop a residential complex of 205 multi-family homes with a granted building permit. Project funding will open on the platform on Wednesday, April 30 at 4:00 p.m. (UTC+2).

    A high-demand development with sea views

    The El Higuerón TB65 project involves the construction of 205 homes distributed across 7 blocks, featuring landscaped communal areas, a swimming pool, 410 parking spaces, and 152 storage units. The layout of the blocks takes advantage of the sloping terrain, meaning that most homes will enjoy sea views.

    Each block has a maximum height of three stories. All homes include a terrace; ground-floor units come with a private garden, while penthouses feature a solarium. The average built area is 106 m² – including terraces counted at 50% – and the units range from 1 to 3 bedrooms.

    El Higuerón is one of the most dynamic areas on the Costa del Sol, located between Fuengirola and Benalmádena. The area offers tranquility, elevated sea views, close access to the A-7 motorway, and proximity to Málaga airport. It already boasts high-end amenities such as the Hilton Curio Collection hotel, with sports facilities, a spa, coworking spaces, and restaurants.

    Over 500 homes developed in the area

    The developer of this project is Top Gestión, with whom we recently financed El Higuerón TB51. Top Gestión is a leading player in the residential development sector in Spain. The company is currently managing more than 2,300 homes and has a business volume exceeding €1.175 billion.

    In the immediate surroundings of the project, Top Gestión has developed over 500 homes, more than 150 of which have already been delivered. In addition to its developments in El Higuerón, it also operates in Marbella, Málaga, Ibiza, Alicante, Madrid, and Guadalajara.

    Preferred equity investment structure

    This project is structured as a capital increase. Urbanitae investors will contribute €5,000,000, while the developer will contribute 20% of the total capital, aligning their interests with those of the investors.

    The financial structure has already been agreed upon with a top-tier bank, which will finance both the land acquisition and construction. For initial costs, the project will use an alternative financing tranche, which will be repaid once the bank loan for the land is disbursed.

    The sales of El Higuerón TB65 will be handled by Prime Invest, an agency with a strong presence on the Costa del Sol, in Granada and Ibiza, currently marketing 1,250 residential units.

    In terms of returns, Urbanitae investors will benefit from a preferred annual IRR of 12%. This means they will recover their capital and returns before the developer receives any profits. From a 15% IRR onward, the developer will receive a share of the profits generated above that threshold.

    As this is an equity project, regulations prevent us from publishing projected total returns. However, returns can be estimated using the figures provided in the project sheet with the following formula:

    (Estimated revenue – Estimated costs) / Total equity

    We explain the project highlights in this video:

    Estimated project timeline

    The estimated duration of this project is 42 to 46 months, with the following milestones:

    – Q2 2025 – Capital contribution, asset acquisition, and sales launch
    – Q2 2026 – Construction begins
    – Q3 2028 – Completion of construction and delivery of homes
    – Q4 2028 – Distribution of profits to investors

    As with any real estate development, timelines may be affected by administrative, commercial, or construction-related factors.

    Don’t miss out!

    If you’re looking to invest in a development project with a prime location, an experienced developer, and preferred returns, El Higuerón TB65 is a great opportunity.

    Remember: you can invest starting Wednesday, April 30 at 4:00 p.m. (UTC+2). And if you have questions, join us for the informational webinar on Monday the 28th at 12:30 p.m. (UTC+2). Questions? Email us at contacto@urbanitae.com or call us at (+34) 911 23 25 22.

  • Invest in a fully leased retail park in Burgos

    Invest in a fully leased retail park in Burgos

    UPDATE 22/9/2025: Next Wednesday, September 24, at 12:00 p.m. (UTC+2), we will open funding for the Parque Comercial Arlanzón II project.

    After the closing of the first tranche, we are launching the continuation of the project, which consists of granting the second tranche of a loan for the partial financing of a retail park that is 100% leased in the city of Burgos. Originally, tranche B was to be financed by institutional investors, but in the end Urbanitae investors will take part. The current progress of the construction works is 20%.

    Thus, the Parque Comercial Arlanzón II project has a ticket size of €440,000 and a term of 15 months, with a 6-month extension option at month 15. Investors in this tranche will obtain a total return of 13.43% —10.75% annually—, with a minimum return equivalent to 4 months of interest. You can find all the details of the project below. However, if you have any questions, you can watch the webinar we held with the developer last April.

    Urbanitae is launching a new investment opportunity. This time, we’re heading to Castilla y León to take part in the development of Parque Comercial Arlanzón, a modern retail park made up of medium-sized commercial units, located at one of the main entrances to the city of Burgos. Funding will be available on the platform on Tuesday, April 22 at 4:00 p.m. (UTC+2).

    The project involves granting a loan to finance part of the land acquisition cost and the construction of the retail park. It’s an investment opportunity offering an annual return of 11.25% and an estimated term of 18 months, with the option to extend for an additional six months.

    A prime location with guaranteed occupancy

    Parque Comercial Arlanzón will be developed on a 17,497 sqm plot, with a building permit currently in the approval process. It will feature a gross leasable area (GLA) of 8,946 sqm distributed across 8 medium-sized retail units, in addition to a photovoltaic installation and eight rapid charging stations for electric vehicles.

    The park is already 100% pre-leased to well-known companies such as Lupa, Guaw, JYSK, Maxcolchon, Tiendas MGI, TEDi, Fitness Park, Popeyes, Iberdrola, and BP Pulse. All leases include mandatory compliance clauses ranging from 3 to 7 years, ensuring a net annual rental income of €1,080,000 from the moment the park becomes operational.

    The asset will be located on the Madrid-Irún highway (A-1), in the same commercial area as El Corte Inglés, Decathlon, McDonald’s, and Burger King—further enhancing its commercial appeal.

    Experienced developer, solid project

    The developer of Parque Comercial Arlanzón is Grupo SIMO, a development and construction company with over 40 years of experience. Since its founding in 1982, Grupo SIMO has developed more than 3,600 homes, retail parks, and industrial facilities. Notable projects include a retail unit for Leroy Merlin, a KFC in Cáceres, industrial developments in Badajoz, and a four-star hotel.

    The commercialisation of the asset will begin with the start of construction, which is expected to take around 9 months. Once completed, the sale of the property is expected to take place within the following 9 months. The estimated sale value of the park is €15 million, while the ECO valuation of the completed asset amounts to €18.9 million.

    Check out this video for full details on the project.

    Loan terms

    Urbanitae investors and co-investors will enter the project through a loan granted in three tranches. Tranche A will carry a fixed annual interest rate of 11.25% to finance part of the land acquisition cost, part of the (deductible) VAT related to the purchase, initial construction costs, and debt formalisation expenses.

    The total loan amount is €8,785,000, structured as follows:

    • Tranche A: €4,560,000 for 18 months at a fixed annual rate of 11.25%, funded by Urbanitae investors.
    • Tranche B: €3,050,000 for 15 months at a fixed annual rate of 10.75%, funded by institutional investors.
    • Tranche C: €1,175,000 for 6 months at a fixed annual rate of 10%, also for institutional investors.

    Interest and principal will be paid at maturity. Early repayment is allowed, with a minimum guaranteed return equivalent to 7 months’ interest for Tranche A. The 6-month extension is subject to 100% progress in construction.

    The project is backed by a first-rank mortgage guarantee on the land, with mortgage liability equal to 150% of the principal.

    Why invest in this project

    – 100% of the asset pre-leased to well-known operators, generating more than €1 million in net annual rental income.

    – Strategic location at the entrance of a provincial capital with high purchasing power and an area of influence of over 400,000 people.

    – Attractive annual return of 11.25%, with a minimum guaranteed return.

    – Developer with over four decades of experience and a strong track record in commercial and residential projects.

    – LTV ratio of 46.5%, reflecting a conservative financing structure.

    When will I get my investment back?

    – Q2 2025: Loan issuance and construction begins.

    – Q1 2026: Retail park completion and opening to the public.

    – Q1–Q4 2026: Asset sale and loan repayment.

    We’ll be hosting a webinar on Monday, April 21 at 12:00 p.m. (UTC+2) to answer any questions you may have. You can also reach out to us at contacto@urbanitae.com or call us on (+34) 911 23 25 22.

    Don’t miss this opportunity to invest in a consolidated, high-potential retail park in Burgos!

  • Invest in new-build housing in Zaragoza

    Invest in new-build housing in Zaragoza

    We’re launching a new project in a growing city with great residential potential. On Wednesday, April 16 at 4:00 p.m. (UTC+2), Urbanitae investors will have the opportunity to take part in the development of a residential complex in Miralbueno, one of Zaragoza’s most dynamic neighborhoods.

    Homes with terraces, a pool, and landscaped common areas

    The Miralbueno Residencial project is the first phase of a development that will include a total of 28 homes with 2, 3, and 4 bedrooms. In this initial stage, 14 two- and three-bedroom units will be built, all including a parking space and storage room, and equipped with spacious terraces. Ground-floor units will have private gardens, while the penthouses will feature rooftop solariums on the seventh floor.

    The development will also include landscaped communal areas, a swimming pool, and a meeting room, offering a very attractive value proposition for buyers seeking quality of life and proximity to the city center. The project is located less than five minutes from the A-2 highway and is well connected to central Zaragoza via public transport.

    Segia Residencial returns to Urbanitae

    The developer of the Miralbueno Residencial project is Segia Residencial, an Aragonese firm with over 25 years of experience. It has previously developed projects in central Zaragoza, Cuarte de Huerva, and Ejea de los Caballeros. This is its second project financed through Urbanitae, following the success of Residencial Cinco Villas, which is progressing as planned.

    While Segia Residencial acts as the comprehensive developer, its team also has experience as a delegated developer and cooperative manager. With over 25 years of experience in the area, the company has delivered close to 30 single-family homes and apartment blocks in the province over the past four years.

    Investment strategy and project conditions

    This project follows a capital gains strategy, through capital contribution for land acquisition and initial costs. The project already has an exclusive pre-contract agreement for the asset, the construction license has been requested, and bank financing for the works has been approved. The construction contract is currently being tendered with bids in line with the estimated budget.

    Urbanitae investors will participate through a capital increase in the project’s development company. The project offers a preferred IRR of 12% to Urbanitae investors.

    Additionally, 11 out of the 14 homes have already been reserved, representing a 78% pre-sale rate—well above average for this phase. Sales will continue with the support of a specialized local agency.

    Watch this video to learn the key points of the project.

    Estimated project timeline

    The planned duration of the Miralbueno Residencial project is 22 to 26 months, with the following estimated schedule:

    • Q1 2025: capital increase, land acquisition, and building permit approval.
    • Q2–Q3 2025: construction begins.
    • Q4 2026: construction completion and handover of homes.
    • H1 2027: company liquidation and profit distribution.

    Key reasons to invest

    This project has several features that make it an attractive investment opportunity:

    • Advanced stage with 78% of units already reserved and bank financing approved.
    • Building permit expected to be granted shortly.
    • Experienced local developer with a successful track record on Urbanitae.
    • Growing area with strong demand for quality housing.
    • Preferred 12% IRR for investors.
    • New-build homes in a city with residential stability and solid prospects.

    If you have any questions, you can find all the details on the project page on our platform. As always, feel free to contact us at contacto@urbanitae.com or by phone at (+34) 911 23 25 22.

    We look forward to seeing you on April 16 to invest in Miralbueno with Urbanitae!

  • Invest in Storage Units with a 10% Annual Return

    Invest in Storage Units with a 10% Annual Return

    At Urbanitae, we’re launching a new investment opportunity focused on a familiar strategy: developing storage units in urban areas with high demand. On Friday, April 11 at 12:00 PM (UTC+2), you’ll be able to invest in the Diego de León project — a compelling opportunity that brings together profitability, experience, and a growing need in big cities: space.

    This is a debt investment project offering a fixed annual return of 10% over 18 months. Additionally, there will be a maximum investment of €2,000 per investor, to encourage participation from a larger number of users.

    76 Storage Units in Two Key Locations in Madrid

    The Diego de León project consists of granting a loan for the acquisition of two commercial premises in Madrid and their conversion into 76 modern storage units, equipped with video surveillance, loading and unloading areas, 24-hour access, restrooms, and hot water access points.

    The first site is located at Calle Azcona 5 in Madrid, just 100 meters from the Diego de León metro station. It will house 40 storage units, 14 of which have already been pre-reserved.

    The second site is located at Calle Simón Hernández 56 in Móstoles. Here, 36 units will be developed, with 14 already pre-reserved.

    Both locations are aimed at meeting the demand from local residents who need additional space for storage.

    A Proven and Experienced Developer

    The project is led by Grupanxon, a corporate group with over 20 years of experience, particularly in the development of storage units, garages, and residential properties. Since 2017, Grupanxon has promoted and built more than 2,000 units in Málaga, Seville, and Madrid.

    Moreover, this developer has successfully led 16 previous projects on Urbanitae, including Madrid Sur, Torres del Mediterráneo, and Puerta del Ángel, most of which have already returned capital to investors — often exceeding expected returns.

    15% Return Over 18 Months

    The loan to be granted by Urbanitae investors totals €450,000. The main terms are:

    • Fixed return: 10% annually
    • Loan term: 18 months
    • Interest payments: paid at maturity
    • Early repayment: possible at any time, but with a minimum guaranteed return equivalent to 15 months of interest

    Additionally, the loan will be secured by a first-ranking mortgage pledge over the properties and a pledge on the shares of the borrowing company.

    Here’s a video with the project highlights:

    Why This Investment Stands Out

    Investing in the Diego de León project presents a very attractive opportunity for several reasons. First, it offers a fixed annual return of 10% with a reasonable 18-month term and the option for early repayment — always with a guaranteed minimum return. It’s also backed by real estate assets in high-demand areas: storage units in consolidated urban neighborhoods like Diego de León and Móstoles meet a growing need for extra space.

    The developer, Grupanxon, brings a solid track record, with many successful projects on Urbanitae, adding further confidence. The works can begin immediately, as they are processed under a “responsible declaration,” and it’s not necessary to sell all the storage units before repaying the loan. All these factors make the Diego de León project a solid, simple, and low-risk investment option in the real estate crowdfunding space.

    When Will I Get My Money Back?

    The loan has a term of 18 months. It is expected to be formalized in the second quarter of 2025, at which point the transformation of the premises will begin. The construction is expected to be completed in the fourth quarter of 2026, when both the capital and interest will be returned to investors.

    If you have any questions, feel free to contact us at contacto@urbanitae.com or by phone at (+34) 911 23 25 22.

    Don’t miss this opportunity to invest in a high-demand real estate solution with a 10% annual return!

  • Invest in Boadilla del Monte with a 9.75% annual return

    Invest in Boadilla del Monte with a 9.75% annual return

    We’re launching a new debt project in one of the most exclusive residential areas in northwest Madrid. The Bárbara project offers an opportunity to participate in the financing of a full renovation of a spectacular single-family home located in the Las Lomas development in Boadilla del Monte. You’ll be able to invest starting Thursday, April 10 at 4:00 p.m. (UTC+2).

    The operation consists of granting a loan to Open Space Home, a developer with proven experience in high-end residential renovations. The total Urbanitae ticket is €875,000, with an annual interest rate of 9.75%, a repayment term of 12 months, and a first-rank mortgage guarantee. In addition, the maximum ticket per investor will be €1,000.

    Prime location

    The property sits on a large 2,950 m² plot and has a constructed area of 659 m². After the renovation, the home will include five bedrooms, five bathrooms, two guest toilets, a garage, a private garden with an outdoor pool, and a sports court. One of the main goals of the project is to maximize natural light through the glazing of an interior patio and the opening of enclosed spaces. The renovation will feature high-quality finishes, including underfloor heating and cooling systems to optimize thermal comfort.

    The Las Lomas development is one of the most sought-after areas in Boadilla del Monte. It offers a peaceful, natural, and secure environment, well connected to central Madrid and surrounded by green spaces. It also provides all necessary amenities, including shopping centers, prestigious international schools, and top-tier hospitals.

    An experienced luxury developer

    The developer behind the Bárbara project is Open Space Home, a company specializing in the renovation and promotion of high-end homes. Founded in 2019, the firm has completed six projects in some of Madrid’s most exclusive areas, including three renovations in Boadilla del Monte, and currently has two additional projects under development. Open Space Home also offers home staging and interior design services, allowing it to manage the entire development cycle with a distinctive approach. This video explains the key points of the project.

    9.75% return in 12 months

    Urbanitae investors will enter the project through a loan agreement, with a fixed annual interest rate of 9.75% and a 12-month term, with the possibility of a 6-month extension in month 12. Full early repayment is allowed at any time, subject to a minimum guaranteed return equivalent to 12 months of interest. The sale of the property and repayment of the loan granted by Urbanitae investors is expected in the first quarter of 2026.

    The total loan amount may reach up to €1,110,000—if additional capital is needed during the life of the project, the loan can be extended with institutional investors up to €235,000.

    The Bárbara project developer is committing a total of €1,250,000 in capital to the project. The planned work will not alter the structure or façade of the property, so no building permit is required: the renovation will proceed via a responsible declaration. The purchase of the property will be formalized on April 15, 2025, and renovation work is expected to begin in May 2025. Completion is scheduled for November 2025, with the sale of the home estimated for the first quarter of 2026.

    The asset will be exclusively marketed by the agency Promora. The commercial due diligence and the developer’s experience in the area suggest that homes of this type typically sell within 9–12 months of listing at the price projected in the business plan.

    Got questions?

    On Tuesday, April 8, 2025, at 4:30 p.m. (UTC+2), we’ll be hosting a webinar with the project developer. It’s a great opportunity to ask any questions you may have, live.

    This project combines an excellent location, an experienced team, and an attractive return with a mortgage guarantee. Don’t miss the chance to invest in an exclusive home in Boadilla del Monte with Urbanitae. We look forward to seeing you!

  • Invest in 40 Single-Family Homes in Málaga

    Invest in 40 Single-Family Homes in Málaga

    Before March ends, we bring you a new project. We return to the Costa del Sol to participate in the early stage of developing a 40-home residential complex in Fuengirola, led by an experienced developer in the area. Interested? You can invest next Monday, March 31, at 4:00 PM (UTC+2).

    The El Higuerón TB51 project involves contributing equity capital for the purchase of a plot of land in Fuengirola (Málaga). The project will materialize in the development of 40 single-family homes averaging 165 square meters, featuring green areas, parking, and a communal pool, located in the exclusive El Higuerón area. This is a strategic location with sea views and direct access to the Mediterranean Highway (A-7), already one of the fastest-growing areas on the Costa del Sol.

    A Renowned Developer in the Market

    The project will be developed by Top Gestión, a leading real estate development company in Spain. With a portfolio of over 2,300 homes and a business volume exceeding €1.175 billion, the company specializes in comprehensive residential development management.

    Top Gestión has a strong presence on the Costa del Sol, with projects in Fuengirola, Marbella, and Málaga, as well as key locations like Ibiza, Alicante, Madrid, and Guadalajara. The company has delivered over 150 homes in Fuengirola and has marketed more than 450 properties in the area.

    Investment Strategy

    This project follows a capital appreciation strategy, involving the acquisition of land and its subsequent development. Specifically, Urbanitae investors will co-invest alongside the developer in the purchase of the asset, which will be developed into a residential complex. They will also contribute to covering costs not financed by the bank. The developer will contribute 25% of the necessary capital for the operation.

    Urbanitae investors will participate with a total investment of €5,000,000—which includes €10,000 retained in the project vehicle for administrative and management expenses.

    The project plans to apply for a construction permit in Q2 2025 and begin construction in 2026, with a structured financing plan in collaboration with top-tier financial institutions.

    In this video, we explain the key aspects of the project:

    Preferred Return for Investors

    As with all equity projects, the Spanish regulator (CNMV) does not allow us to disclose return estimates. However, you can estimate the potential return based on the available data in the El Higuerón TB51 project file.

    In this project, a preferred return of 14% has been set for Urbanitae investors.

    The estimated timeline for this project is 34–38 months. The acquisition of the land is scheduled for Q2 2025, while the permit approval and construction start are expected in Q1 or Q2 2026. The project is expected to be completed, and the homes delivered by Q4 2027, with investor profit distribution planned for Q1 2028.

    Key Reasons to Invest

    ✅ Prime location in one of the most attractive areas of the Costa del Sol.

    ✅ Experienced developer with over 450 homes sold in the area.

    ✅ Partnership with financial institutions for construction financing.

    ✅ Developer’s own capital investment, aligning their interests with investors.

    ✅ Growing demand for housing in a rapidly expanding market.

    Do You Have Questions?

    On March 31 at 10:00 AM (UTC+2), we will hold a webinar with the project developer, where we will answer all your questions.

    Additionally, you can contact us at contacto@urbanitae.com or call us at (+34) 911 23 25 22.

    This project represents a unique opportunity to invest in the development of one of the most sought-after areas on the Costa del Sol. With a reputable developer, an unbeatable location, and a growing market, this Fuengirola project is a compelling investment opportunity for Urbanitae investors. We look forward to seeing you!

  • Invest in two luxury villas on the Costa del Sol

    Invest in two luxury villas on the Costa del Sol

    At Urbanitae, we continue to offer high-end real estate investment opportunities. This time, we present El Madroñal H, a debt project in Benahavís, Málaga, to finance the construction of two luxury villas. Funding will be available on our platform on Friday, March 28, at 12:00 PM (UTC+1).

    This investment offers an annual return of 10.75% with an initial term of 24 months, with the possibility of a 12-month extension.

    An Exclusive Location on the Costa del Sol

    El Madroñal H involves the development of two luxury villas, Villa Hope and Villa Tiffany, on a 3,757 m² plot, with a total built area of 1,259 m². Each villa will feature six bedrooms, seven bathrooms, three guest toilets, and four kitchens, among other amenities.

    The project is located in the prestigious El Madroñal residential complex in Benahavís, one of the most exclusive residential areas on the Costa del Sol. This enclave is known for its privacy, security, and proximity to renowned golf courses, such as La Quinta Golf & Country Club, and is less than 15 minutes from Marbella and Puerto Banús.

    The design is intended to blend seamlessly with the natural surroundings, offering privacy and exclusivity in one of the most sought-after areas of the Costa del Sol.

    Investment Structure and Conditions

    The project developer is Inmolux Group, a business holding founded in 2008, specializing in luxury real estate on the Costa del Sol. The group has developed 10 projects in Marbella’s most prestigious areas and currently has seven projects under construction and five in development. They have already delivered luxury villas in Golden Mile, Sierra Blanca, Cascada de Camoján, Nueva Andalucía, Zagaleta, and Guadalmina Baja.

    The project developer is committing a total capital of €6,169,916 (35.7%), including an initial equity contribution of €4,481,614. Of this amount, €2,536,095 comes from the acquisition and construction of Villa Paradise, a luxury home built in 2024 in Paraíso Alto, which will serve as additional collateral for the loan. Additionally, the developer commits to providing €1,688,302 in additional equity throughout the project.

    Urbanitae’s loan considers two scenarios:

    • Base scenario: A loan of up to €11.12 million, committed in three tranches. The loan will finance construction work and general project costs, with the developer committing €3.4 million from the sale of the additional collateral. €5 million of this loan will be funded by Urbanitae investors, with the remaining amount covered by external investors.
    • Alternative scenario: If the developer does not commit the agreed €3.4 million equity from the sale of Villa Paradise, the loan amount will increase to €14.825 million, also structured in three tranches.

    Both plots have had building permits since 2023. Construction began in November 2024, with completion expected in Q4 2026, and the sale of the villas projected for Q2 2027.

    The asset’s commercialization will be managed by the developer and exclusively by Solvilla, a real estate agency. The developer’s experience in the area suggests that these properties are typically sold within 6-9 months after construction is completed.

    Loan Conditions

    • Total Loan Amount (Tranche A): €3,635,000
    • Annual Return: 10.75% (21.5% total over 24 months)
    • Loan Term: 24 months, with the possibility of a 12-month extension
    • Collateral:
      • First-rank mortgage on the two plots for development.
      • First-rank mortgage on Villa Paradise, a newly built home valued at €4.62 million.
      • First-rank pledge on the borrowing company’s shares.
      • First-rank pledge on the company’s bank accounts.
      • Irrevocable sale power over the main asset at 75% of the appraisal value in month 30.
      • Irrevocable sale power over Villa Paradise at 80% of the appraisal value in month 13.

    Why Invest in This Project?

    ✅ Prime location on the Costa del Sol, with high demand for luxury housing.

    ✅ Strong collateral, including a first-rank mortgage on the asset and an additional mortgage on Villa Paradise.

    ✅ Annual return of 10.75%, with a total return of 21.5% in 24 months.

    ✅ Experienced developer, with over 10 delivered luxury projects and 7 under construction.

    Save the Date

    The El Madroñal H project will be available for investment on Friday, March 28, at 12:00 PM (UTC+1).

    A webinar with the developer will be held on Thursday, March 27, at 10:00 AM (UTC+1).

    If you have any questions, feel free to contact us at contacto@urbanitae.com or call us at (+34) 911 23 25 22.

    Don’t miss this opportunity to invest in an exclusive project in Benahavís with Urbanitae!

  • Invest in a Luxury Residential Development in Málaga

    Invest in a Luxury Residential Development in Málaga

    At Urbanitae, we continue to invest in exclusive projects in prime locations. This time, we present the second tranche of the Pinares de San Antón project, a development of 13 luxury villas in one of Málaga’s most exclusive areas. Funding for this tranche will be available on our platform on Tuesday, March 25, at 4:00 PM (UTC+1).

    This investment is structured as debt financing, with a fixed-rate loan at 10.75% per year and an initial term of 5 months, extendable for up to 12 additional months.

    A Project in One of Málaga’s Best Locations

    Pinares de San Antón is an exclusive residential neighborhood in the eastern part of Málaga, on the Cerro de San Antón. The location offers breathtaking sea views over Málaga Bay and is surrounded by forest parks, scenic viewpoints, and natural areas. It is also less than 20 minutes from the city center and within 5 minutes of schools, hospitals, and sports centers.

    Málaga is one of Spain’s fastest-growing cities in both economic and demographic terms. In 2023, the city’s GDP grew by 3.6%, and employment increased by 4.5%, both figures exceeding the Andalusian average. The city has also attracted numerous international tech companies and boasts a strong real estate market driven by high-end housing demand.

    Project Structure and Progress

    This second tranche of funding is part of a loan granted in July 2024 to Cogitari Homes, the project’s developer. The development is already at an advanced stage, with construction progress exceeding 20%, according to Project Monitoring certifications.

    Tranche B, amounting to €2,070,000, will allow for continued construction and cover additional project costs. The loan is secured by a first-rank mortgage on the asset, providing strong investment security.

    The villas will feature 4 to 5 bedrooms, 3 to 4 bathrooms, a basement, a swimming pool, spacious gardens, and terraces. Additionally, they will include 3 to 4 parking spaces, an office, and a game room with the option to be converted into a gym or home theater.

    Watch this video to learn more about the project.

    Investment Terms

    • Annual Return: 10.75%
    • Term: 5 months, extendable up to 12 months
    • Total Tranche B Amount: €2,070,000
    • Guarantees:
      • First-rank mortgage on the asset
      • Pledge of the owning company’s shares
      • Pledge of its bank accounts
    • Exit Strategy: Refinancing with a development loan or sale of the villas

    Save the Date

    If you want to be part of this project, funding will be available on Tuesday, March 25, at 4:00 PM (UTC+1).

    For more information, check the project’s details on our platform, watch the webinar we held with the developer last June, or contact us at contacto@urbanitae.com or by phone at (+34) 911 23 25 22.

    Don’t miss this opportunity to invest in a luxury development in Málaga with Urbanitae!

  • Invest in a Luxury Villa in Madrid

    Invest in a Luxury Villa in Madrid

    At Urbanitae, we continue to offer exclusive real estate investment opportunities. This time, we head to Pozuelo de Alarcón, Madrid, to present the Somosaguas project, a luxury villa in the final stages of construction. With a 12% return in 12 months and a maximum investment ticket of €5,000 per investor, this is a unique opportunity to invest in one of the most exclusive areas of the capital. You can invest on Monday, March 24, at 4:00 PM (UTC+1).

    The Somosaguas project consists of granting a second-rank mortgage loan to finance the completion of a 1,325 m² luxury villa built on a 2,415 m² plot in the exclusive Somosaguas A development in Pozuelo de Alarcón.

    The property features six bedrooms, eight bathrooms, and a garage for four cars. Additionally, it boasts extensive outdoor spaces, including a swimming pool, an outdoor kitchen, and a water well. The basement offers a multi-purpose room, gym, jacuzzi, and hammam. The villa also includes advanced home automation technology and an A+ energy certification, indicating a very high level of efficiency in electricity and water consumption.

    Located just minutes from green areas such as Casa de Campo, prestigious golf courses, and top-tier schools, the villa is excellently connected to Madrid via the M-40 and the M-503 and M-501 highways.

    The project developer is Amytida Energy Solutions (AES), a company specializing in EPC (Engineering, Procurement, and Construction) contract management and trading. Based in Spain, AES serves clients worldwide. With over 20 years of experience in the energy sector, AES also operates a second business line in real estate. While this is its first development in Spain, the company has an extensive track record in the Middle East.

    A High-Progress Development

    The villa is practically finished, with a 98% completion rate. The project has already obtained the Final Construction Certificate (CFO) and the First Occupation License (LPO), allowing for immediate commercialization.

    The villa’s sale process began in Q4 2024 with the support of three specialized agencies focused on luxury homes in Madrid’s western area. A commercial due diligence study estimates that similar properties typically sell within 9 to 15 months from the start of commercialization.

    12% Return in 12 Months

    The Somosaguas project is structured as a fixed-rate loan, in which Urbanitae investors will finance the completion of the villa and its sale process.

    The developer has already committed over €3 million—approximately 38% of the project costs—by funding the acquisition and construction of the property. AES currently holds a bank loan of €3,197,829 with a first-rank mortgage guarantee, which has funded part of the construction up to its current stage. Urbanitae’s loan will be issued in a single tranche of up to €1,570,000 to finance the final construction phase and furnishing of the villa.

    The Urbanitae loan has the following conditions:

    • Total loan amount: €1,570,000, fully funded by Urbanitae investors.
    • Annual return: 12%.
    • Loan term: 12 months, with the possibility of a 12-month extension if necessary.
    • Early repayment: Allowed at any time, subject to a minimum guaranteed return equivalent to 10 months of interest.
    • Guarantees: Second-rank mortgage on the property, pledge on the borrower’s shares and bank accounts, and an irrevocable power of sale in favor of Urbanitae investors.
    • Capital and interest repayment: At maturity.

    The construction risk is minimal, given the project’s advanced stage. The exit strategy for Urbanitae investors is the sale of the villa, which is already on the market.

    Watch this video to learn more about the project.

    Estimated Timeline and Exit Strategy

    The estimated duration of this project is 12 months, with the following key milestones:

    • March 2025: Loan issuance and completion of final construction details.
    • Q3 2025: Completion of furnishing and installations.
    • Q1 2026: Sale of the villa and loan repayment to investors.

    Invest with Urbanitae

    If you want to be part of this exclusive project, sign up at Urbanitae.com and invest on the launch day. If you have any questions, join our webinar on March 21 at 12:00 PM (UTC+1). You can also contact us at contacto@urbanitae.com or call us at (+34) 911 23 25 22.

    Don’t miss this real estate investment opportunity in Madrid with a 12% return in 12 months!

  • Invest in Licensed VPO Housing in Seville

    Invest in Licensed VPO Housing in Seville

    At Urbanitae, we continue to drive investment opportunities in the real estate sector. This time, we head to Seville to present Edificio Dante, a new residential project in Entrenúcleos, one of the fastest-growing areas in the metropolitan region of Seville. The financing for this project will be available on the platform next Tuesday, March 18, at 4:00 p.m. (UTC+1). Given the high demand we anticipate, there will be a maximum investment ticket of €5,000 per investor.

    A High-Potential Development in a Growing Area

    The Edificio Dante project consists of the development of 260 subsidized housing units (VPO) with 1, 2, 3, and 4 bedrooms, each including a parking space and storage unit, as well as extensive common areas with a swimming pool and landscaped zones. The project also includes 10 commercial spaces, five of which have already been sold, and 18 professional offices, which the developer, Caralca, will retain due to their high commercial visibility.

    Entrenúcleos, located in the municipality of Dos Hermanas, is one of the most dynamic urban development areas in southern Spain. Its growth has been boosted by the arrival of educational institutions like Loyola University, commercial projects like the upcoming Entrenasas shopping center, and leisure developments such as the Entrenúcleos Panoramic Tower. Additionally, it boasts excellent transport connections, both private (SE-30 and SE-40) and public, with Metrobus line 6, which connects to the Olivar de Quintos metro station.

    An Experienced and Reliable Developer

    Behind this project is Caralca, a highly experienced real estate developer with whom we have already financed Alcaidesa Homes in Cádiz, a project that is progressing as planned. Caralca has delivered over 1,800 homes, a student residence with more than 500 rooms, a hotel project with over 250 rooms, and has a business volume exceeding €450 million.

    For the Edificio Dante project, Caralca acquired the land in 2021 at a very competitive price. Additionally, the project has already obtained a building permit for the first phase of construction, though the authorization covers the entire development. 50% of the residential units and 50% of the commercial spaces have already been pre-sold, indicating strong market demand in this area.

    Regarding construction, the project has been awarded to Sanjose Constructora, one of the most reputable companies in the sector.

    Financial Structure of the Project

    Edificio Dante is a capital gains project, meaning that both the developer and Urbanitae investors enter as partners. The project already has approved financing from a top-tier banking institution. The total investment from Urbanitae investors will amount to €1,510,000, with a maximum investment ticket of €5,000 per investor.

    The funds provided by our investors will be used to meet the equity requirements set by the bank for the granting of the developer loan, as well as to create a financial cushion for the necessary project expenses.

    Potential for Higher Returns

    As with all capital gains projects, regulations prevent us from disclosing the expected return for this project. However, it can be calculated using the project data sheet with the following formula:

    (Projected Revenue – Estimated Costs) / Total Equity

    One of the most interesting aspects of Edificio Dante is its potential for improvement in the business plan. The recent update to the VPO price index could translate into higher profitability for investors—or, at the very least, provide an additional safety margin against potential cost deviations.

    The estimated timeline for this project is 34-38 months, with construction expected to begin at the end of April 2025. While this timeframe may seem long given the project’s advanced stage, it is important to note that this is a 260-unit subsidized housing development, which involves additional administrative processes during the deed registration phase. The project is expected to be completed by the second quarter of 2028.

    Stay Updated on the Project

    To learn all the details about Edificio Dante, we will hold an informative webinar next Monday, March 17, at 10:00 a.m. (UTC+1) with the project developer.

    As always, you can find all the details in the Edificio Dante project sheet on our platform.

    If you have any questions, feel free to contact us at contacto@urbanitae.com or call us at (+34) 911 23 25 22.

    Don’t miss the opportunity to invest in a high-potential project in Seville!

  • Invest in Residential Property in the Heart of Madrid

    Invest in Residential Property in the Heart of Madrid

    We are excited to announce our third project of the week! This time, we are heading to Madrid, one of the cities with the highest housing demand, to develop a residential project with up to 38 units in collaboration with Grupo Abauco. If you’re looking to invest in housing in the center of Madrid, top up your wallet because this opportunity will open on Thursday, February 27, at 4:00 PM (UTC+1). Here are all the details.

    The Embajadores 199 project takes its name from its location: 199 Embajadores Street in Madrid. There, we will partner with the developer to build a new residential complex with up to 38 apartments with one, two, and three bedrooms, situated in the Arganzuela district. All units will include a parking space and a storage room. The development will also feature a communal swimming pool, landscaped common areas, a meeting room, a gym, and concierge services.

    The project involves acquiring a building with street frontage and an adjacent warehouse located in the inner courtyard. The building will be renovated and will have five floors plus an attic level, while the warehouse will be restructured to create ground-floor residential units.

    The location is excellent: close to all essential services, just five minutes from Enrique Tierno Galván Park, 10 minutes from the Arganzuela-Planetario metro station, and five minutes from Atocha Station.

    We are once again partnering with Grupo Abauco, with whom we have already financed six projects on our platform. Grupo Abauco is a real estate development company founded in 2019, but its management team boasts over 15 years of experience in the sector, having been involved in national and international projects totaling over 500 million euros in investments.

    Capital Gains Strategy

    This project follows a capital gains strategy, which involves partnering with the developer to carry out the housing development. The total investment for this project amounts to €4,410,000. The contributions from Urbanitae investors will be used for acquiring the asset and covering initial project costs until the developer loan is granted.

    As a reference, in the López de Hoyos project, financed by Grupo Abauco together with Urbanitae in October 2024, the developer loan has just been secured with a top-tier financial institution.

    The developer has already signed a purchase agreement for the asset, which is free of encumbrances. The building permit application will be submitted in Q2 2025 and is expected to be approved in Q4 2025 or Q1 2026.

    Sales have not yet begun, meaning there are currently no reservations for the units. The sales process will be led by the developer, and the target buyers will primarily be domestic buyers looking for a primary residence.

    Preferred Return of 15% IRR

    Regarding the investment structure, a distribution scheme has been negotiated to include a preferred return for Urbanitae investors, ensuring a net IRR (after corporate tax) of at least 15% per year. This structure safeguards investor returns against potential cost overruns or timeline deviations.

    Watch this video for a full breakdown of the project:

    Estimated Returns in 34-38 Months

    The estimated project duration is 34-38 months.

    • Q1 2025: Capital increase, asset acquisition, and permit application.
    • Q4 2025 – Q1 2026: Expected approval of building permits and start of construction.
    • Q3-Q4 2027: Construction completion.
    • Q4 2027 – Q1 2028: Delivery of homes and distribution of returns to Urbanitae investors.

    Join Our Webinar

    Have questions? Join our webinar with the developer on Monday, February 24, at 12:00 PM (UTC+1), where we’ll address all your concerns.

    You can also contact us at contacto@urbanitae.com or call us at (+34) 911 23 25 22.

    Don’t miss this opportunity to invest in a prime residential project in the heart of Madrid! We look forward to seeing you!

  • Invest in a Seaside Residential Development on the Costa del Sol

    Invest in a Seaside Residential Development on the Costa del Sol

    We have a new capital gains project at Urbanitae—the sixth of the year! We’re returning to the province of Málaga, where we’ve already financed 39 projects with a total volume exceeding €100 million. This time, we’re heading to Estepona with a highly experienced developer: Neinor Homes. We will open this investment opportunity on Wednesday, February 26, at 4:00 PM (UTC+1). Here are all the details.

    The Celestia Homes project consists of the purchase of a seaside plot for the development of 25 multi-family homes with parking spaces and communal areas. The property is located in the Arroyo Enmedio urbanization sector of Estepona, a newly expanding area of the municipality that offers all essential services and is just a few meters from the sea. Additionally, it has direct access to the Mediterranean Highway (AP-7).

    Regarding the developer, Neinor Homes is one of the most active real estate developers in Spain, with over 30 years of experience in the sector and more than 11,000 homes delivered nationwide.

    Building Permit Requested

    The marketing of the Celestia Homes project began in January 2025, and one unit has already been reserved, with three more reservations in the process of being finalized. Furthermore, the building permit has been requested, and the developer is negotiating construction financing with a top-tier financial institution.

    This project follows a capital gains strategy, which involves partnering with the developer to acquire the land for the 25-home residential development. As a result, Urbanitae investors will co-invest with the developer in purchasing the asset. Their contribution, totaling €2,810,000, will also be used to cover additional costs not financed by the bank, which will fund the construction and part of the project’s technical expenses.

    The developer has signed a deposit contract on the asset and has already paid 50% of the purchase price. The remaining payment for the land will be completed upon the entry of Urbanitae investors. Neinor Homes will oversee the full project management and will contribute 20% of the total investment value.

    In this video, the developer and our Real Estate Director, Sergio Arana, explain the key aspects of the project:

    Returns in 26-30 Months

    The estimated timeline for this project is 26-30 months. Construction is expected to begin in the second or third quarter of 2025 and conclude in the first quarter of 2027, when the homes will be delivered. The distribution of returns to investors is scheduled for the second quarter of 2027.

    Do you have any questions? Join our webinar with the developer on Friday, February 21, at 12:00 PM (UTC+1), where we will address all inquiries.

    You can also reach us at contacto@urbanitae.com or call us at (+34) 911 23 25 22.

    Don’t miss this opportunity to invest in a seaside residential development on the Costa del Sol! We look forward to seeing you!

  • New Project! Invest in Branded Residences in Lisbon

    New Project! Invest in Branded Residences in Lisbon

    We’re back in Portugal with an exclusive project. This time, we’re offering you the opportunity to invest in branded residences in the ultra-luxury segment in Lisbon. The project will be available for investment on Monday, February 24, at 4:00 PM (UTC+1). Here are all the details.

    The Overseas Residences project consists of an investment in the renovation of a luxury residential asset in a prime area of Lisbon. The project will include 11 apartments with balconies, a garden, shared pools, and 18 parking spaces. Additionally, the ground floor will feature a commercial unit. This is a branded residence development that will be associated with a high-end brand.

    The asset is located at Praça Duque de Saldanha 11, Lisbon, next to Av. Da República. This is a fully consolidated area in the heart of Lisbon’s financial district, offering all essential services.

    Overseas is a real estate development company specializing in luxury projects, with a strong focus on ESG and electric mobility. The company has a solid track record in Portugal and Brazil, with over 500,000 square meters of construction. Led by CEO Pedro Vicente, a key figure in the Portuguese real estate sector, its team includes professionals with extensive experience in funds, banking, and real estate development. Overseas is also a member of the Portuguese Association of Real Estate Developers and Investors (APPII), reinforcing its industry presence.

    Capital Gains Strategy

    The Overseas Residences project will be structured through a capital increase, where Urbanitae investors will contribute capital to the project’s investment vehicle. The total project funding amounts to €4,070,500, which will be used to cover project costs not covered by the developer or bank until project completion.

    This investment vehicle is in discussions with a leading banking institution in Portugal and Spain to finance part of the asset acquisition and provide additional funding for 100% of the construction development.

    Overseas will be responsible for the project’s full management, contributing 55% of the total investment value.

    The developer has already secured a preliminary planning approval (PIP) for the construction of up to 16 units but has decided to reduce the number of residences to maximize luxury pricing. Construction is expected to begin in July 2025.

    On the commercial front, the developer has already secured two preliminary reservations as a market test and plans to continue sales once construction begins. Sales prices have been validated through a Savills report.

    Preferred Return of 17% IRR

    Urbanitae has agreed with the developer that Urbanitae investors will have priority in returns. Specifically, Urbanitae investors will receive a preferred annual return of 17% IRR on their invested capital. This means that the developer will not receive profits or recover their own invested capital until Urbanitae investors have fully recovered their investment and earned an annual return of 17%.

    In this video, the developer and our Director of Real Estate, Sergio Arana, explain the key aspects of the project:

    The estimated timeline for this project is 34-38 months. Construction is expected to begin in Q3 2025 and be completed by Q1 2028. The handover of units and the exit from the investment vehicle, along with profit distribution to investors, is expected in Q1 or Q2 2028.

    Do you have any questions? Join us for a webinar on Thursday, February 20, at 12:00 PM (UTC+1), where the developer will answer all your questions.

    You can also reach us at contacto@urbanitae.com or call us at (+34) 911 23 25 22.

    Don’t miss this opportunity to invest in branded residences in Lisbon. We look forward to seeing you!

  • New project! Invest in a hotel in the Canary Islands with a 14% annual return

    New project! Invest in a hotel in the Canary Islands with a 14% annual return

    Our first project of February and the third one we are launching in the Canary Islands. This time, in the hotel sector. Save the date: you can invest on Thursday, February 20, at 4:00 PM (UTC+1). Here are all the details.

    The Hotel Roca Negra project consists of granting a loan to finance the acquisition of the majority of shares held by minority shareholders of the company that owns the Occidental Roca Negra hotel, located in Agaete, Las Palmas. The loan will also be used to settle the debt with the operator group Barceló.

    The Occidental Roca Negra is a four-star hotel with 140 rooms, built in 2010 and located on the beachfront. The asset was acquired in 2017 by the sponsor, ACIP Marinesa, which undertook a major renovation and expansion in 2021. The hotel features two restaurants, a bar, a spa, a swimming pool, an event center, and an underground parking facility. Since 2022, the hotel has been operated by Grupo Barceló under a management contract with a mandatory term of 20 years.

    A prime location

    The hotel is located in Agaete, a municipality in the northwest of Gran Canaria. Agaete is renowned for its natural and scenic surroundings and serves as an alternative tourist destination to the southern part of the island. The hotel is perched on a cliff with views of the sea and the island of Tenerife, within the Tamadaba Natural Park. It is well-connected to Las Palmas de Gran Canaria (20 minutes by car), Gran Canaria Airport (40 minutes by car), and Santa Cruz de Tenerife (around an hour by ferry).

    Gran Canaria is the second-largest island in the Canary archipelago. Its warm climate year-round allows for continuous tourist demand, making tourism its main economic activity and a significant business hub in Spain. The island receives over 5 million tourists per year. The two main tourist centers are in the south (including San Bartolomé de Tirajana and Mogán), which attract sun-and-beach tourism, and in the northeast, where Las Palmas de Gran Canaria serves as the business hub of the archipelago. The north of the island is a quieter area that attracts tourists interested in leisure, nature, sports, and a more active experience.

    The best hotel in Northern Gran Canaria

    The developer of the operation is SPV Britania S.L., which currently holds a 51% majority stake in Hotel Roca Negra Agaete S.A., the company that owns the Occidental Roca Negra hotel.

    The sponsor, ACIP Marinesa, has a portfolio of several real estate assets in the Canary Islands and extensive experience in managing hotel assets and properties oriented towards leisure and hospitality, with a total value exceeding 50 million euros.

    The Occidental Roca Negra hotel has all necessary permits and licenses. In 2025, expansion work is planned for the restaurant near the pool area, as well as the construction of a rotating parking facility. The hotel is in perfect condition.

    Since December 2022, the hotel has been operated by Barceló Gestión Hotelera S.L. (Grupo Barceló) under its mid-range brand Occidental, through a management contract (HMA). The contract with Barceló has a mandatory term of 20 years, until December 2042. After the first five years, the operator may negotiate with the owner to convert the management contract into a fixed lease agreement.

    This is the most important hotel in northern Gran Canaria. Under the management of Grupo Barceló, it has exceeded performance expectations, improving its operational results year after year. According to the operator’s business plan, operating performance is expected to improve by 7.5% over the next four years, reaching 33% by 2028.

    An ECO valuation estimates the asset at 24,973,058 euros. According to the sponsor’s business plan, the estimated sale price is between 21 and 23 million euros.

    25.67% return in 22 months

    The Hotel Roca Negra project is a debt investment. Urbanitae investors will participate in the project by granting a single-tranche loan with a fixed annual interest rate of 14.0% and a term of 22 months. This loan will be used to finance the acquisition of the majority of shares from minority shareholders of the hotel-owning company and to settle the debt with the operator.

    The total loan amount is 4,955,000 euros, fully financed by Urbanitae investors. An extension of eight months is allowed at month 22. Additionally, full early repayment is permitted at any time, subject to a guaranteed minimum return equivalent to 13 months of interest. As is customary in our debt projects, interest will begin to accrue from the date of loan agreement execution.

    Urbanitae investors will exit the investment through the sale of the hotel.

    Regarding project guarantees, the loan agreement includes:

    • A second-ranking mortgage promise on the Occidental Roca Negra hotel.
    • A first-ranking pledge on the shares of the hotel-owning company.
    • An irrevocable power of sale in favor of Urbanitae investors starting in month 21, for an amount of 15 million euros.

    In this video, the sponsor and our CEO, Diego Bestard, explain the key aspects of the project.

    Expected returns in 2026-27

    The Hotel Roca Negra project has an estimated term of 22 months. The loan is expected to be granted in the first quarter of 2025. The hotel is projected to be marketed between the first quarter of 2025 and the fourth quarter of 2026. Finally, the sale of the hotel and repayment of the loan to Urbanitae investors is expected between the fourth quarter of 2026 and the first quarter of 2027.

    Any questions? On Tuesday the 18th at 1:00 PM (UTC+1), we will hold a webinar with the sponsor, ACIP Marinesa, where we will address all your questions about the project. You can also contact us via email at contacto@urbanitae.com or by phone at (+34) 911 23 25 22.

    We look forward to seeing you!

  • New project! Invest in new-build homes in Mijas

    New project! Invest in new-build homes in Mijas

    We are thrilled to present a new capital gains project—the first of 2025—following the success of Varadero and Villa Orquídea. Once again, we’re in the province of Málaga, this time to develop more than 200 homes. You’ll be able to invest starting Friday, January 31, at 12:00 PM (UTC+1). Below, we share all the project details.

    The Residencial Riviera del Sol project involves the development of 215 new-build homes with two, three, and four bedrooms in Mijas (Málaga), all of which include a parking space and storage room. The complex will feature extensive communal areas, including a shared pool, gym, coworking space, social club, and landscaped gardens. The project comprises seven buildings with four floors each, excluding those designated for parking and storage.

    The homes will be located on Granate Street, on an elevated plot with sea views. The land is situated within the Riviera del Sol urbanization, just 10 minutes by car from La Cala Beach, 20 minutes from Marbella, and 30 minutes from Málaga and its airport.

    The developer of this project is a returning partner of Urbanitae. Grupo Rosmarino successfully completed the Monterrey Residencial project, which was delivered in June 2024, and is about to deliver Residencial Santa Inés, expected in the first quarter of 2025. Since 2013, this developer has delivered nearly 1,000 homes.

    Co-investment in real estate development

    The Residencial Riviera del Sol project follows a capital gains strategy, involving a partnership with the developer for the construction of 215 homes. Urbanitae investors will contribute a total of €5,000,000, which will be allocated toward acquiring the land and covering initial project costs until the developer loan is secured.

    Grupo Rosmarino has already signed a private purchase agreement for the land. The building permit was applied for in January 2025, with approval expected in the second half of 2025 or the first quarter of 2026. Construction work is anticipated to begin in the first half of 2026. The project has not yet been marketed but will be spearheaded by the developer, who has significant experience in the area, along with a local real estate agent.

    The developer will oversee the comprehensive management of the project and, along with their co-investors, will also be a project investor, contributing around 61% of the total investment capital.

    In this video, the developer and our Director of Real Estate, Sergio Arana, explain the key aspects of the project:

    Risk-adjusted returns

    Since this is a very early-stage project, the anticipated returns in the business plan are higher than usual—proportional to the risk taken. One of the key advantages of this project lies in the asset’s purchase price: the land for the development is being acquired at a discount of nearly 35% below its appraised value.

    That said, regulations do not allow us to disclose an estimated return figure in advance. As with all capital gains projects, it can be calculated using the project’s financial summary and the following formula:

    (Projected Revenue – Estimated Costs) / Total Equity

    The expected timeline for this project is 44–48 months. The land acquisition and permit application are planned for the first quarter of 2025, with sales expected to begin in the first or second quarter of 2025. Construction is anticipated to start in the fourth quarter of 2025 or the first quarter of 2026, and completion is expected in the third or fourth quarter of 2028. Delivery of the homes and project liquidation are projected for between the fourth quarter of 2028 and the first quarter of 2029.

    Have questions? Join us for a webinar with the developer on Tuesday, January 28, at 5:00 PM (UTC+1), where they’ll answer any questions about the project. We encourage you to participate and invest in this exciting new project!

  • Invest with a 12.5% return in 12 months

    Invest with a 12.5% return in 12 months

    We are excited to introduce a new investment opportunity. This time, we return to the luxury sector with a project focused on completing the construction of a villa in Benahavís, Málaga. You can invest this Friday, January 17th at 12 PM (UTC+1). Below, we provide all the details about the project.

    The Villa Orquídea project involves the completion of a villa with a total built area of 2,309 m² on a plot of 1,740 m². The villa will feature 8 bedrooms, 9 bathrooms, 1 guest restroom, a garage with 6 parking spaces, a garden with pools, and sea views. Additionally, the garden-level floor will include a sauna, massage room, gym, and game room.

    The development is located in the El Herrojo residential area, within the municipality of Benahavís, one of the prime destinations in Málaga province. The property is surrounded by landscaped areas, natural vegetation, large beaches, luxury residential complexes, and is close to several golf courses.

    The developer is Casas Fintech, an investment management company specializing in the development and promotion of luxury real estate, with extensive experience on the Costa del Sol. Casas Fintech is part of the Portuguese group Grupo Madre SGPS, one of the most renowned investment consortia in Portugal.

    12.5% return in 12 months

    The Villa Orquídea project is a debt-based investment. The partnership between the developer and Urbanitae investors involves the granting of a second-ranking mortgage loan to cover the land purchase, settled financial costs, and outstanding execution costs for the developer’s bank loan.

    The total loan amount for the developer stands at €4,050,575 – secured by a first-ranking mortgage – including €1,744,179 in equity, €1,306,396 in partner contributions, and €1,000,000 in investor contributions during the project.

    Initially, Urbanitae commits to a single tranche of up to €3,570,000 at an annual interest rate of 12.5% and a term of 12 months – with a potential 12-month extension at month 12. However, a second tranche may be considered to refinance the mortgage loan.

    Approved construction license

    A key point for investors is that the development has an approved construction license and all valid urban planning permits. The only remaining requirement is the First Occupancy License (LPO), which will be granted once construction is completed. Approximately 40% of the construction has been completed to date.

    As for the marketing of the asset, it will begin once construction has reached approximately 60%-70% completion.However, the developer’s experience in the area suggests that properties are typically sold within 6-12 months after construction is completed, with sales sometimes occurring even before completion.

    In this video, the developer and our Real Estate Director, Sergio Arana, explain the project details.

    Return in 12 months

    The estimated timeline for this project is 12 months. In December 2024, the loan from Urbanitae investors is expected to be granted. From that month until April 2025, the construction is projected to be completed, and from Q4 2025 onwards,the villa will be sold, and the loan repaid to Urbanitae investors.

    Have Questions?

    Next Wednesday, January 15, at 4 PM (UTC+1), we will hold a webinar with the developer where you can ask questions. You can also contact us at contacto@urbanitae.com or by phone at (+34) 911 23 25 22. We look forward to seeing you!

  • New project in Málaga! Invest with a 14% annual return

    New project in Málaga! Invest with a 14% annual return

    Today we return once again to Málaga to present a new project. On this occasion, it is a bridge loan to finance part of the acquisition costs of two plots of land located in the province of Málaga. You will be able to invest on Friday, January 3, at 12:00 (UTC+1). Below, we provide all the details of the project.

    The Varadero project involves the granting of a loan to finance the acquisition costs of two plots of land, one in Almayate, located in the Valle de Niza area 25 km from Málaga city, and the other in Benahavís, a consolidated residential area surrounded by nature and just 12 km from Puerto Banús.

    Regarding the development of the promotion, the Almayate plot has a license for the development of 125 apartments in blocks with up to four bedrooms, 136 parking spaces, and 122 storage rooms, as well as landscaped common areas and a communal pool. On the other hand, the Benahavís plot is pending urbanization works and has a granted license for the development of 28 detached homes with 3 bedrooms each, equipped with a terrace, porch, parking, and private garden. Additionally, it features exclusive community areas, including a pool, sauna, and gym.

    The developer of this project is Grupo San Pablo, a company with 15 years of experience in the real estate sector, more than 40 completed projects, and 3,000 properties throughout Spain and internationally, including the development of luxury homes in the Dominican Republic.

    Approved construction license and first-rank mortgage guarantee

    The Varadero project is a debt project. The partnership between the developer and Urbanitae investors is structured as a fixed-rate loan to finance part of the acquisition costs (purchase and purchase costs) and commercialization.

    Both assets are located in sectors with approved subdivision and urbanization projects and construction licenses. However, in the case of Benahavís, the license is conditioned on completing the pending urbanization works.

    The total loan amount is €6,695,000, of which €5,000,000 will be financed by the platform through Urbanitae investors, and the remaining €1,695,000 by external investors. The total loan will be structured in a single tranche with a fixed annual interest rate of 14%, backed by a first-rank mortgage guarantee on the registered properties on which the project is being developed.

    In this video, the developer and our Real Estate Director, Sergio Arana, explain the details of the project.

    28% return in 24 months

    The estimated duration of this project is 24 months. In the first quarter of 2025, urban planning procedures and commercialization will begin to meet the milestones required by the bank for granting the development loan. In the second quarter of 2026, the urbanization works will be completed, thus complying with all urban planning permits and licenses and reaching the minimum pre-sale level required by the bank for granting the development loan. Finally, in the fourth quarter of 2026, the loan will be granted, and Urbanitae investors will exit the project.

    Do you have questions? On Thursday, January 2, at 11:00 (UTC+1), we will hold a webinar with the project manager to answer any questions from interested investors. Additionally, you can contact us at contacto@urbanitae.com or by phone at (+34) 911 23 25 22.

  • New project in Marbella! 14% annual yield

    New project in Marbella! 14% annual yield

    Nuevo proyecto de deuda en Urbanitae. En esta ocasión os ofrecemos invertir en Marbella (Málaga) con un 14% de rentabilidad anual. Será el próximo martes 31 de diciembre a las 12:00 h (UTC+1).

    El proyecto Lomas del Tenis consiste en la concesión de un préstamo puente para financiar parte de los costes de adquisición de un suelo residencial en la calle Sicilia-AR Trapiche 15 de Marbella, uno de los principales enclaves turísticos de España. Se trata de un suelo finalista donde está previsto presentar un proyecto modificado para la obtención de la licencia para el desarrollo de 52 viviendas. El proyecto actualmente cuenta con la aprobación administrativa y está previsto que se realicen de manera simultánea las obras de urbanización y las de edificación. 

    Por otro lado, la promoción contempla la construcción de 52 viviendas, 52 trasteros y 104 plazas de aparcamiento distribuidas en 9 bloques independientes con zonas comunes con piscinas exteriores e interiores, zona de coworking, sauna y gimnasio. 

    El promotor de este proyecto es Grupo San Pablo, una compañía con más de 15 años de experiencia en el sector inmobiliario tanto en el territorio nacional con más de 40 obras terminadas, como a nivel internacional en República Dominicana. 

    28% de rentabilidad total

    El proyecto Lomas del Tenis tiene una estrategia de deuda. Los inversores de Urbanitae entrarán en el proyecto a través de la concesión de un préstamo en un único tramo con tipo fijo anual del 14% para financiar los costes de adquisición y una rentabilidad total del 28% en 24 meses –con una posible extensión de 6 meses en el mes 24–.

    A nivel urbanístico, el activo está pendiente de obtener la licencia de obra, mediante la presentación de un proyecto modificado. Posteriormente, la promoción arrancará una vez adquirido el activo mediante comercializadoras principales de Málaga y la Costa del Sol.

    Garantía hipotecaria de primer rango

    La cuantía total del préstamo asciende a 10.075.00 € de los cuales 5.000.000 € se financiarán a través de los inversores de Urbanitae y los 5.075.000 € restantes mediante inversores externos. 

    Respecto a las garantías de devolución, el contrato de deuda establece una garantía real de hipoteca en primer rango sobre las fincas registrales sobre las que se desarrolla en proyecto a través de un agente de garantías.

    En este vídeo el promotor y Diego Bestard, CEO de Urbanitae, cuentan las claves del proyecto.

    Rentabilidad en 24 meses

    El plazo estimado de este proyecto es de 24 meses. En enero de 2025 se firmará el préstamo de Urbanitae y se llevará a cabo la compra de los suelos. El primer trimestre de 2025 se iniciarán los trámites urbanísticos y de comercialización. Finalmente entre finales de 2025 y enero de 2026 se estima la concesión del préstamo promotor por parte del banco y la salida de los inversores de Urbanitae. 

    ¿Tienes dudas? Pregúntanoslas en el webinar que celebraremos con el promotor el próximo lunes 30 de diciembre a las 11 h (UTC+1). Además, puedes encontrarnos en contacto@urbanitae.com y (+34) 911 23 25 22. 

  • New project! Invest in luxury housing in Cascais

    New project! Invest in luxury housing in Cascais

    We’re excited to present a new project in Portugal, a market where we have financed €25 million throughout 2024. This time, we’re returning to the Lisbon district, specifically to the municipality of Cascais, to develop luxury housing. This new project will open next Tuesday, December 24, at 12:00 PM (UTC+1). Here are the details.

    The Quinta dos Pinheiros project involves the development of a luxury real estate promotion that includes:

    • 18 single-family homes with private gardens, outdoor terraces, private pools, and three parking spaces per unit.
    • A multifamily building with 12 apartments, featuring a garden, terraces, a pool, and parking spaces.

    The asset is located on Rua São Caetano in Estoril (Cascais), just five minutes from the nearest beach and only three minutes from the highway with direct access to central Lisbon. This area is a well-established residential neighborhood with all essential services nearby.

    Once again, we are partnering with Vogue Homes, a developer we’ve already worked with on two projects in Portugal. With 20 years of experience in the Portuguese market, Vogue Homes specializes in premium developments like Quinta dos Pinheiros. Their two previous projects—Paulo Duque and Quinta do Cedro—are currently under construction.

    Construction Can Begin

    The Quinta dos Pinheiros project follows a capital gains strategy. Thanks to contributions from investors, which will total €4,240,000, Urbanitae investors will become shareholders in the project.

    The project already has the pre-information request (PIP) approved, and the parcel division is under approval. This ensures that the conditions for urban planning and land division viability have been established. The architectural and engineering plans for the villas and apartments will be submitted to the municipality through a prior communication procedure. This is possible because with the PIP approved, the municipality does not need to issue additional approvals to begin construction.

    On the commercial side, the developer plans to begin off-market sales once construction starts. Since these are luxury homes, they are expected to have strong market appeal, maximizing sales prices once construction is underway or completed.

    The developer will oversee the entire project, and their contribution will represent 70% of the project’s total equity value.

    In this video, the developer and Sergio Arana, Urbanitae’s Director of Real Estate, explain the project in detail.

    Returns in 34–38 Months

    As with all capital gains projects, the regulator (CNMV) does not allow us to disclose an estimated return. However, you can calculate it using the formula below based on the project’s details.

    (Revenue Forecast – Cost Estimate) / Total Equity

    The estimated timeline for this project is 34–38 months. Construction is expected to begin in the second quarter of 2025 and conclude in the second quarter of 2027. The homes are scheduled to be delivered in the fourth quarter of 2027, at which point the company will be dissolved and profits distributed to investors.

    Next Monday, December 23, at 11:00 AM (UTC+1), we’ll hold a webinar with the developer to address any questions about the project. You can also reach out to us at contacto@urbanitae.com or by phone at +34 911 23 25 22.

    We look forward to seeing you there!

  • New project! Invest in Valencia with a 6.5% annual return

    New project! Invest in Valencia with a 6.5% annual return

    As the year draws to a close, we bring you a new rental income project—our sixth in 2024 and tenth overall on Urbanitae. This time, it involves the acquisition of an apartment hotel in Valencia. The project will open for investment on Wednesday, December 18, at 4:00 PM (UTC+1). Below, you’ll find all the details.

    Located in Valencia’s Extramurs district, the Pérez Galdós project involves the acquisition of a 13-room apartment hotel for operation and subsequent sale to a long-term real estate investor. These accommodations are already operated by Alma Suites, a nationally recognized operator focused on Valencia.

    The asset is situated in Valencia, in the Arrancapins neighborhood, specifically at 52 Avenida Pérez Galdós. It consists of eight registered units located on the ground and first floors of a mixed-use building, with a gross leasable area (GLA) of 814 square meters. The Extramurs district, home to over 50,000 residents, offers excellent transport connections, including a train and high-speed rail (AVE) station.

    This opportunity is managed by Viviz, a company specializing in new-build development and real estate asset management. Viviz also focuses on creating platforms and vehicles for real estate investment. Their experience includes projects for developing and managing apartments for rent, such as Alma Goerlich and Alma Calatrava, both in partnership with Alma Suites.

    6.5% annual return indexed to CPI

    The Pérez Galdós project follows a value-add and rental income strategy, which entails partnering with the developer to manage the acquisition, operation, and eventual sale of the asset. Contributions from Urbanitae investors will fund the entire project, including the purchase of the property. The contribution from Urbanitae investors will represent 90% of the total equity required, amounting to €2,405,000, while the remaining 10% will be provided by the current owner of the asset.

    Viviz has signed a fixed-term lease agreement with Alma Suites for 10 years, with a mandatory commitment for the first five years, followed by a mutually binding renewal for another five years (5+5). Alma Suites will sublet the apartments individually to both tourists and medium- to short-term clients, guaranteeing the agreed-upon rental payments. Additionally, the operator has provided a bank guarantee equivalent to four months’ rent and a legal deposit equal to two months’ rent. The lease agreement has already been signed, and rental payments will commence immediately upon acquisition of the asset.

    The project is expected to generate an average annual dividend of 6.5% from the acquisition date. The rental income will be reviewed annually, applying the percentage increase (but never a decrease) in the Consumer Price Index (CPI). The asset will be operated for a total of three years, with an exit window starting after year two. At the end of this period, the property will be sold to a long-term real estate investor. The tenant has also expressed interest in purchasing the asset at the end of this period, subject to favorable conditions.

    The asset is currently operational and fully licensed, so no municipal administrative procedures are required.

    In this video, the developer and Sergio Arana, Urbanitae’s Director of Real Estate, explain the project highlights.

    Exit in 2028

    The Pérez Galdós project has an estimated investment horizon of three years (36 months). According to the investment timeline, dividends will be paid quarterly—at the end of each calendar quarter starting from the effective purchase date of the asset. Operations are expected to commence in January 2025.

    The first dividend payment is scheduled for the first quarter of 2025 and will continue quarterly until the divestment stage. Divestment, liquidation of the company, and distribution of the remaining profits to investors are expected to occur between the fourth quarter of 2027 and the first quarter of 2028.

    Got questions?

    We’re hosting a webinar with the developer on Monday, December 16, at 10:00 AM (UTC+1), where you can ask your questions. You can also reach us via email at contacto@urbanitae.com or by phone at (+34) 911 23 25 22.

    We look forward to seeing you!

  • New project! Invest in storage units with a 10% annual return

    New project! Invest in storage units with a 10% annual return

    We’re excited to present a new investment opportunity with a developer well-known to our investors. Grupanxon is once again partnering with us to develop a storage unit project in Madrid. The project will open for investment next Tuesday, December 10th, at 12:00 PM (UTC+1). Want to invest in storage units with a 10% annual return? Here are the details.

    The Palos de la Frontera project involves granting a loan for the acquisition and transformation of a commercial property into 57 storage units for end clients in Madrid. The development is located about 300 meters from Atocha Station and a 10-minute walk from Delicias Metro Station.

    The developer, Grupanxon, is no stranger to Urbanitae. Palos de la Frontera marks their 16th project on our platform. With 12 completed projects already repaid to investors, their track record shows an average IRR exceeding 15% with a project duration slightly over 10 months. Grupanxon has over 20 years of experience and specializes in parking spaces, storage units, and residential properties.

    15% total return

    Palos de la Frontera is a debt project, providing financing to the developer for the acquisition and conversion of the asset into 57 storage units. The developer has signed an earnest money agreement with the current owners for the property purchase. Given the nature of the project, the construction license is being processed through a responsible declaration. Grupanxon has already conducted a technical study and confirmed the project’s viability.

    Urbanitae investors will provide a loan of €550,000 at a fixed annual interest rate of 10% over 18 months. Interest will be paid upon maturity, with investors guaranteed minimum interest for the full 18 months, resulting in a total return of 15%.

    Due to high demand for these projects, investment participation will be capped at €500 per investor.

    44% of units reserved

    The target clients for these storage units are neighborhood residents seeking additional space to store belongings. Sales are progressing well, with 25 out of 57 units already pre-reserved.

    In this video, the developer and our Real Estate Director, Sergio Arana, share the key highlights of the Palos de la Frontera project.

    12-14 months of construction

    The construction phase is expected to last 12-14 months. The total project timeline, including the notarization process for the final units, is estimated at 18 months.

    Regarding loan repayment guarantees, the debt contract includes the following:

    • First-rank mortgage pledge on the property where the project will be developed, located at Calle de Murcia, 5, 28045, Madrid.
    • First-rank pledge on the shares of the SPV.

    Have questions? Join us for a webinar with the developer on December 9th at 12:00 PM (UTC+1), where you can ask your questions. You can also reach out to us anytime at contacto@urbanitae.com or by phone at (+34) 911 23 25 22.

    Don’t miss the chance to invest in storage units with a 10% annual return. We look forward to seeing you!