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Villa

€1,400,000

Modern Detached Villa with Three Bedrooms in Episkopi Lemesou

LIMASSOL

3 bedrooms

1 bathroom

250 m² interior

Condition

Resale

Energy

Year built

2022

Property description

Welcome to this exceptional detached villa available for rent in the peaceful area of Episkopi Lemesou. Spread over 250 square meters of modern living space, this used home blends comfort and elegance, making it ideal for families or professionals seeking a relaxing environment.

Features

Air Conditioning
Furnished
Parking
Pool
Storage Room

Location

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Location details are based on the listing information provided by the owner/agent.

Property Owner

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Mortgage calculator

Beta

Estimate monthly payments, deposit, Land Registry fees, VAT treatment, and bank affordability checks for this listing.

Beta feature — indicative estimates only, not financial or legal advice.

Beta — mortgage estimates only

This Cyprus mortgage calculator is in beta. Figures are indicative and may not reflect your bank's final offer, VAT eligibility, or current CBC rules. Always confirm with a licensed bank, lawyer, and tax adviser before applying.

Cyprus mortgage estimate

Beta

Last updated: 24 May 2026

Mortgage calculator for this property

Estimate the loan, deposit, Land Registry fees, VAT treatment, and bank affordability checks for this listing.

Listing price€1,400,000

Purchase purpose

Recommended max LTV: 80%. Cyprus banks commonly finance up to 80% of the property value for an owner-occupied primary residence.

Property VAT treatment

Resale property selected. VAT is estimated at €0 and transfer fees may apply because VAT is generally not payable on resale properties.

Buyer status

First-time buyer status is informational only here; it does not change the payment, transfer fees, stamp duty, or mortgage registration estimate.

Reduced VAT eligibility

Reduced 5% VAT depends on a main-residence declaration, property size/value limits, and Tax Department eligibility.

Property area used for VAT

sqm

VAT transitional relief

Use only if the planning-permit and declaration deadlines apply.

Deposit

€280,000 deposit80% financed

Interest rate

Mortgage term

years

Net monthly household income

Other monthly debt payments

Legal, valuation, bank and survey allowance

Cyprus fee assumptions

Transfer fees are estimated at 3%, 5%, 8% bands, then 50% reduced when VAT is not paid.
Transfer fees are estimated from purchase price and VAT treatment only; buyer ownership status does not change them here.
No transfer fee is estimated when VAT applies to the transaction under current Land Registry practice.
Mortgage registration is estimated at 1% of the mortgage amount.
Stamp duty is shown as €0 because stamp duty was abolished for agreements from 1 January 2026.

Details buyers normally need

ID/passport, proof of address, tax details, and source-of-funds evidence.
Recent payslips, employment contract, accounts for self-employed buyers, and bank statements.
Sales agreement, valuation, title deed or planning documents, insurance, and deposit proof.
Ask the bank which first-home products and documents apply.

Before applying

Estimates are indicative only and do not constitute financial advice or a lending offer. Actual lending decisions, fees, VAT treatment, and affordability assessments depend on the individual bank, the Tax Department, the Department of Lands and Surveys, and the buyer's personal circumstances.