Torres Vedras-Playa Sta. Rita

Investimento Lisboa, Torres Vedras

Torres Vedras-Playa Sta. Rita

Rua da Capela 9, A dos Cunhados, Torres Vedras

LoanInvestment Modality MG1 First Grade mortgage guarantee ResidentialProperty type AAOpportunity Rating

Funded 100,00%




263 Investments Completed in 1 day

Investment Period 12 months

Total Estimated Return 11.00%

Annual interest rate 11,00%

This opportunity has already been funded!


WECITY complies with Law 5/2015 and with Regulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European providers of crowdfunding services for companies. It is authorized by the CNMV as a Participatory Financing Platform registered under number 30, with a favorable proposal from the Bank of Spain.

Sonhesquema LDA, requests financing from wecity for this investment opportunity. Investor, before making your investment please read the basic information for the investor client.

Skin in the game: “In compliance with Article 8.2 of Regulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European providers of equity financing, we hereby inform you that partners, managers and employees of wecity may invest in this opportunity. These investments will be made under the same conditions as those of other investors without receiving preferential treatment or privileged access to information.”

The investment

The investment opportunity consists of a loan with 1st degree mortgage guarantee, destined to finance the construction costs for the completion of a development of 5 semi-detached houses in Rua da Capela 9, A dos Cunhados, Valongo, Torres Vedras. The exit of the investors from wecity will take place with the sale and delivery of the homes, once the First Occupancy License is obtained. Currently, the degree of construction progress is 60%.

The plot has a buildable area of 1,030 m2 built on a plot of more than 2,500 m2. The project consists of the completion of a development of 5 semi-detached houses with garden overlooking the sea and Praia de Santa Rita. The developer has a license for the completion of the works and will start marketing in March 2024.

The developer is providing its own funds in the amount of 802,228 € (57.21%) which, together with the 600,000 € requested from wecity investors, add up to a total of 1,402,228 € of funds necessary for the completion of the project.

Through wecity you can participate in a fixed-rate loan operation with an annual interest rate of 11% for an estimated term of 12 months (6 months mandatory) with the possibility of extending for an additional 6 months.

With a minimum investment of 500 €, you can participate in this opportunity with an excellent profitability and with the maximum guarantees. The estimated total return is 11% for 12 months or 16.50% if the final term is with the 6-month extension.

The payment of interest + the return of the invested capital will be made at maturity.


  • Purpose of the loan: Construction costs to complete the construction of a 5-home development at Rua da Capela 9, A dos Cunhados, Valongo, Torres Vedras.
  • Guarantee: 1st degree mortgage.
  • Term: 12 months (+ 6 months possible extension).
  • Interest rate: 11% per annum.
  • Estimated total yield: 11%.
  • Interest payment: at maturity
  • RICS appraisal: 808,761 € (current LTV: 74.18%)
  • RICS appraisal (future): €1,632,000 (LTV: 36.76%)
  • LTV First drawdown appraisal: 15.69 %.
  • Contributions:
    • Developer’s own funds: 802,228 € (57.21%).
    • WECITY investors: €600,000.
  • Minimum investment: 500 €.
  • Maximum investment: No investment limits

RICS Valuation

The current appraisal for mortgage guarantee purposes amounts to €808,761. This represents a Loan to Value (LTV) over the current appraisal of 74.18%. The appraisal complies with Law 125/2015 according to CMVM Regulation 2/2015.

The appraisal on the assumption of a completed building amounts to €1,632,000. This represents a Loan to Value (LTV) on HET appraisal of 36.76%.

The Loan to Value (LTV) on first disposal is 15.69%.

The independent appraiser in charge of identifying the value is PRIME YIELD, whose corporate name is Prime Yield – Consultadoria e Avaliação Imobiliária, Lda and is registered with the CMVM under number AVFII/05/013.

The project

The project consists of the development of 5 houses with private garden located at Rua de Capela, 9, A Dos Cunhados, Valongo, Torres Vedras (Lisbon).

Inversión Playa de Santa Rita, Portugal

Plot plan (you can see the rest of the plans in the Documents section)

Inversión Playa de Santa Rita, Portugal
Inversión Playa de Santa Rita, Portugal
Inversión Playa de Santa Rita, Portugal
Inversión Playa de Santa Rita, Portugal


Located about 60 km from the center of Lisbon and 54.8 km from Lisbon airport, the União de Freguesias de A dos Cunhados e Maceira is one of the largest parishes in the municipality of Torres Vedras. Together with the parishes of Silveira and São Pedro da Cadeira, A dos Cunhados e Maceira shares some 20 kilometers of golden sand and beautiful beaches between Santa Cruz and Porto Novo, areas that triple their population during the summer season due to the countless tourists, generating high occupancy rates.

Just 1 kilometer away is the beautiful beach of Santa Rita, with a large expanse of sand bordered by hills and dunes covered with vegetation. The beach stands out for its strong waves which makes it an ideal destination for water sports enthusiasts.

Inversión Playa de Santa Rita, Portugal

The mortgage guarantee

The loan will be secured by a 1st degree mortgage on the asset and the building, located at Rua da Capela 9, A dos Cunhados, Valongo, Torres Vedras.

According to the appraisal report carried out by Prime Yield, the current appraisal amounts to €808,761. The loan to be made to the developer is 600,000 €, which implies a Loan to Value (LTV) on the current appraisal of 74.18% and a Loan to Value of 1st disposal of 15.69%.

The HET appraisal (Hypothetical finished building) amounts to €1,632,000, which represents a Loan to Value HET of 36.76%.

Collateral agent

The constitution, preservation, management, administration and, if applicable, enforcement of the real estate mortgage rights on behalf of the investors will be carried out by an entity external to wecity.

In this case the Collateral Agent appointed is Repor Collateral Agent LDA.

The Collateral Agent is an entity that is professionally and habitually engaged in the provision of fiduciary services in securities issues and similar and has the capacity, means and experience necessary to act as agent and agent for the purposes of the constitution, preservation, management, administration and, if applicable, execution, of the Mortgage in guarantee of the obligations assumed by the Promoter Company towards the Principals participating in the Opportunity.

The Collateral Agent acts as an indirect agent of the investors for the purpose of constituting, managing, administering and executing, as the case may be, the Mortgage in its own name, but on behalf of the investors.


The promoter must justify the use of the funds in each of the provisions requested. The use of the funds by the promoter will be monitored by a company external to wecity.

Compliance 🇪🇺

Compliance with Regulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European providers of crowdfunding services for companies:

Risk Warning

Investing in this crowdfunding project involves risks, including the risk of partial or total loss of the money invested. Your investment is not covered by deposit guarantee schemes established in accordance with Directive 2014/49/EU of the European Parliament and of the Council (). Your investment is not covered by investor compensation schemes established in accordance with Directive 97/9/EC of the European Parliament and of the Council (*). You may not receive any return on your investment. It is not a savings product and it is recommended that you do not invest more than 10% of your net assets in equity financing projects. You may not be able to dispose of the investment instruments at any time. Even if you are able to sell them, you may incur losses.

Pre-contractual cooling-off period for inexperienced investors

Inexperienced investors have a cooling-off period of four (4) days during which they may, at any time, revoke or withdraw, at any time, their investment offer or expression of interest in the equity financing offer without having to justify their decision and without incurring a penalty. The cooling-off period begins at the time the potential non-experienced investor makes an investment offer or expresses interest and expires after four calendar days from that date. To exercise their revocation rights, Investors may send an email to the following address:, filling in the “subject” field of such email as follows: “REVOCATION – Name of the Opportunity – Name and surname of the Investor”. In the event that you have made a monetary contribution linked to the financing offer, said amount will be returned as soon as possible to the wallet that, as an investor/user of the “WECITY” Platform, you have open with the “LEMONWAY” Payment Institution.

Credit risk

Credit risk is defined as the loss that may occur in the event of non-payment by the counterparty in a financial transaction. In this specific case, the risk that the Promoter does not pay the principal and/or interest on the Loan.

Sector risk Risks inherent to the specific sector.

Such risks may be caused, for example, by a change in macroeconomic circumstances, a reduction in demand in the sector in which the equity financing project operates and dependencies in other sectors. In any case the investor should be aware that adverse economic conditions or cyclical changes may lead to a weakening of the Promoter’s ability to meet its financial commitments in connection with the loan.

Risk of default

The risk that the project promoter may be subject to bankruptcy proceedings and other events affecting the project or the project promoter that result in the loss of the investment for the investors. Such risks may be caused by a variety of factors, including, without limitation: (serious) change in macroeconomic circumstances, mismanagement, lack of experience, fraud, financing not matching the corporate purpose, failure to launch the product or lack of liquidity. In the event of insolvency of the Promoter, the holders of the credits will be considered as credits with special privilege, as they are secured by a mortgage guarantee, in accordance with the cataloguing and order of priority of credits established by Royal Legislative Decree 1/2020, of May 5, which approves the revised text of the Insolvency Law (hereinafter, the “Insolvency Law”), except for those amounts that pursuant to Article 272 of the Insolvency Law must be classified either as ordinary credit or as subordinated credit, as appropriate.

Risk of lower or delayed yield

The risk that the return is lower than expected or that the project defaults on the payment of principal or interest.

Investment illiquidity risk

The risk that investors will not be able to sell their investment. There is no active trading market for the loan, so the investor may not be able to find a third party to whom to assign the loan.

Other risks

Risks that are, among others, beyond the control of the project developer, such as political or regulatory risks.

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