new build
70% mortgage
rental investment
TOWNHOUSE IN AGRA RESIDENCIAL
About real estate
At the end of 2022, clients from London, Mrs Ania and her husband Filip, approached us seeking support in selecting an investment property intended for rental purposes on the Costa del Sol. Their objective was to find a property that would, on one hand, ensure stable rental performance, and on the other, serve as a secure, long-term capital asset. After analysing multiple available options and conducting joint property viewings across different locations, they ultimately decided to purchase a townhouse in a highly well-connected and promising area of the coast. Why did we recommend this property? 1. High investment resilience location The property is located between Marbella and Estepona – one of the most stable and desirable markets on the Costa del Sol. This area benefits from consistent international demand, largely independent of seasonality. 2. Strong year-round rental potential Proximity to international schools, sports infrastructure, and services makes the property attractive not only for seasonal rentals, but primarily for relocating families and expatriates. 3. Property type aligned with market demand The townhouse format responds to real tenant needs: * more space than an apartment * privacy and functional layout * terraces and outdoor areas This type of property is particularly sought after in the long-term rental segment. 4. Strong lifestyle appeal The surrounding area offers access to golf courses, tennis and padel clubs, as well as recreational zones, significantly broadening the potential tenant base. 5. Modern gated community Security, shared infrastructure, and contemporary construction standards translate into: * higher rental yields * lower maintenance costs * more stable long-term market value 6. Capital appreciation potential Limited new supply in this part of the market, combined with sustained international demand, supports long-term capital value growth. Agra Residencial Estepona has a very clear investment profile and is a textbook example of a “Golden Triangle mid-premium” product. As a result, this purchase was not merely a transaction, but a conscious investment strategy combining capital security, stable cash flow, and strong lifestyle appeal.
Location:
Estepona, el Paraiso
Number of bedrooms:
3
Terrace:
2
Area:
136 m2
Residential complex:
gated community / residential complex of 47 houses
Swimming pool:
yes
Monthly community fee:
89 €
Parking spaces:
2
Developer condition:
fully finished
Tourist license:
yes
Average long-term rental price:
3.500 €
Average short-term rental price:
2.100 €
Net purchase price in 2022:
360.000 €
Market value of the property in 2026:
550.000 €
PURCHASE PARAMETERS
PRICE AND BASIC COSTS
Price (net):
360.000 €
12.2022
VAT 10%:
36.000 €
09.2023
PAYMENT SCHEDULE
Reservation fee::
7.000 €
12.2022
First payment: 30% of the net price + 30% of the VAT amount:
108.000 € + 10.800 € = 118.800 €
02.2023
Final payment upon signing the notarial deed: 70% of the net price + 70% of the VAT amount (minus the reservation fee):
252.000 € + 25.200 € (-7000 € ) = 270.200 €
09.2023
MORTGAGE
Financing: 70% of the net value:
252.000 €
09.2023
OTHER COSTS
Notary:
1.500 €
Lawyer:
3.600 €
AJD tax – Actos Jurídicos Documentados (stamp duty / tax on legal documents):
3.900 €
HOW MUCH IS NEEDED TO COMPLETE THIS TRANSACTION
SUMMARY
Property price:
360.000 €
Down payment:
108.000 €
VAT (IVA):
36.000 €
Transaction costs:
9.000 €
Total own funds required::
153.000 €













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