Pre-launch | Wecity lands on the exclusive island of Madeira with Project Aurora

23/01/2026 – ⏱ 2 min

This article is for informational purposes only and does not, under any circumstances, constitute investment advice or a recommendation.

The platform Wecity expands its international borders toward one of Europe’s most resilient luxury markets: Madeira. Next Tuesday, January 27th at 12:00 PM, fundraising will open for Project Aurora, a mortgage-backed loan opportunity to finance the final phase of a luxury detached villa in the coveted enclave of Arco da Calheta, Funchal.

Financial Structure and Profitability This project is positioned with an A risk rating and highly competitive return conditions for the Portuguese premium segment:

Loan Amount: €1,000,000 (Phase I of a total €1.65M).

Annual Interest Rate (TIN): 12.00%.

Estimated Total Return: 18.00%.

Estimated Term: 18 months (with a possible 6-month extension).

Mandatory Commitment: 6 months.

Payment Method: Bullet (principal and interest at maturity).

Minimum Ticket: €250.

Democratization: Investment limited to €250 during the first 30 minutes.

Metrics and Security Analysis: The Value of the Guarantee Project Aurora stands out for its extremely conservative loan-to-value (LTV) ratios, justifying its A rating:

Real Guarantee: 1st-degree mortgage on the asset.

1st Disbursement LTV: 33.15% (based on a current appraisal of €1,287,000).

HET LTV (Finished Building): 55.00% (based on a final value of €3,000,000).

Progress Level: The construction is currently 38% completed, according to the latest Tinsa appraisal.

Developer Alignment: PROMUGAL UNIPESSOAL LDA has already contributed €1,220,000 in equity, exceeding the amount requested from investors.

The Project: Atlantic Luxury in Arco da Calheta The development consists of a luxury villa with a 522 m² plot and a construction area of 205 m². Located in an area with high demand from foreign buyers—due to its sunny microclimate and uninterrupted Atlantic views—the project holds a valid building license (granted in 2020 and renewed in June 2025).

The exit strategy for investors is clear: the sale of the property once the work is 100% completed and delivered to the final buyer.

Realty Investor: All real estate crowdfunding in one single app Wecity’s arrival in Madeira on Tuesday, January 27th, is one of the key events of the month. With a 12% annual interest rate and a 33% initial mortgage guarantee, the project is expected to generate significant interest. In such a dynamic market, reaction speed and comparative analysis are your best allies.

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With our app, you will have the necessary competitive edge:

Unified Calendar: Monitor launches in Spain and Portugal (including the islands) in real-time.

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