new build

70% mortgage

rental investment

TOWNHOUSE IN AGRA RESIDENCIAL

Purchase of a new-build apartment

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 €

Contact us to gain access to similar investments

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Current real estate with high investment potential

View all properties
NO COMMISSION CHARGED
MIJAS
REF:1207KO

NEW ATTRACTIVE OFFER IN MIJAS

It’s not just apartments – it’s a sensory living space, thoughtfully designed so that every morning begins with views of the mountains and the sea, and every afternoon is filled with sunshine and a sense of freedom. Located in one of the most prestigious enclaves of Costa del Sol, it guarantees tranquility, comfort, and access to the finest beaches, amenities, and the city of Málaga within just 30 minutes.

Cost:

from €130,000 down payment

Delivery Date:

2028/2029

NO COMMISSION CHARGED
MARBELLA
REF:1512ZW

APARTMENTS WITH AMAZING VIEWS

An exceptional hillside location – in a peaceful, green area with stunning vistas. The development is designed with value-enhancing amenities – including swimming pools, gardens, wellness and fitness areas, coworking spaces, and relaxation zones.

Cost:

from €230,000 down payment

Delivery Date:

2027/2028