14 Incredibly Affordable Luxury Water Villas in the Maldives

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Planning a trip to the Maldives is a once in a lifetime experience for most and upgrading your accommodation to a water villa is one of the best decisions you can make. After all, the dreamy concept of the Maldives is based on staying in one of these unique overwater villas. 

Even if you choose the Maldives as a regular holiday destination, finding the best in terms of value for money should be a top priority to get the most out of your trip.

Fear not though, as we have pulled together the top 14 affordable luxury water villas in the Maldives for you to gush over!

First things first…

affordable luxury water villas in the Maldives

Top Tips When Searching For Affordable Water Villas

  • Take advantage of the low season. The weather systems in the Maldives are no longer as reliable as they used to be. Therefore, booking your trip out of high season may be a great way to save hundreds if not thousands! 
  • When looking through reviews such as Tripadvisor, bare in mind that most people will have stayed in land-based rooms. The experience is most definitely likely to be far better in a water villa, so use 4-star reviews to your advantage to make a decision based on facilities that are relevant to you.
  • Go All-Inclusive. Without a doubt (unless you eat or drink very little) this option will save you a small fortune. Bottled water in the Maldives is eye-wateringly expensive and this alone will add a fair amount to your bill. So although the all-inclusive price may look like a very expensive option, it will almost certainly be the better one.
  • Ordinarily, booking accommodation and flights to other destinations separately works out more cost-effective. The Maldives is an exception. Package holidays work out far cheaper and often include the seaplane or speedboat transfer.
  • If booking through an agent, check to see whether there are any special offers. Some resorts will offer a free night stay for every 7 nights or include some great treats.
  • The most important – book as far in advance as possible! Booking a year ahead not only means that you’ll get the best possible prices but the level of availability gives you a wider range of affordable options to choose from.

When we talk about luxury, we’re not talking about pretentious prices. The following Maldives resorts offer absolute comfort and unforgettable experiences without leaving you high and dry! 

READ: This island in the Philippines has been voted No.1 Best in the World!

1. Reethi Faru 

Following the success of Reethi Beach, Reethi Faru (meaning ‘beautiful reef’) is a brand new resort which includes miles more luxury than it’s older sister, with a focus on sustainability. 

With spotless facilities, extremely friendly staff and a gorgeous house reef, there is something here for everyone.

The water villas are incredibly spacious with modern designs and sleek feel.

reethi faru water villa maldives
reethi faru water villa bathroom maldives

At a glance:

  • 78 sqm
  • Beautiful Indoor Bathroom
  • Fully Detached
  • 14 nights for price of 13
  • 40 minutes by Seaplane
  • 6 Restaurants
  • 4 Bars
  • Great House Reef

From £1880pp for 7 nights including flights from London

2. Oblu Select at Sangeli

Oblu Select at Sangeli opened its doors in 2018 with a simple concept. Premium all-inclusive affordable luxury at its finest, with water villas priced the same as their beach villas, there is no great divide between classes.

With perfect ratings on Agoda, Booking.com and TripAdvisor – Oblu Select at Sangeli has a solid reputation for delivering a high-quality service to every guest.

Built on a fantastic reef, the underwater world here is teeming with incredible sea life!

oblu select maldives water villa
oblu select maldives water villa bathroom

At a glance:

  • 78 sqm
  • Brand New
  • Gorgeous Bathroom
  • Includes Snorkelling Gear
  • 50 minutes by speedboat
  • 3 Restaurants
  • 3 Bars
  • Fantastic House Reef

From £2360pp for 7 nights including flights from London

3. Kuredu Island Resort and Spa

Kuredu Island Resort and Spa has one of the best views of the sunset and there’s no better spot in the resort to see it than in one of their 50 Sangu Water Villas. 

This is one of the largest resorts in the Maldives. There are plenty of things to do and options for a change of scenery with a huge selection of bars and restaurants.

kuredu island maldives water villa
kuredu island maldives water villa beach

At a glance:

  • 70 sqm
  • Four Poster Bed
  • Indoor Bathroom
  • 25% discount for 2021
  • 40 minutes by seaplane
  • 7 Restaurants
  • 10 Bars
  • Great House Reef

From £2035pp for 7 nights including flights from London

4. Velassaru Maldives 

Velassaru is a gem and is one of the most accessible resorts from the airport. It has a beautiful beach and infinity pool overlooking the Indian ocean.

Each of the 24 water villas is incredibly spacious and has been fitted with everything you need for a comfortable stay. 

velassaru maldives water villa
velassaru maldives water villa bathroom

At a glance:

  • 112 sqm
  • Amazing Indoor Bathroom
  • Up to 40% discount for 2021
  • 25 minutes by speedboat
  • 5 Restaurants 
  • 2 Bars

From £2020pp for 7 nights including flights from London

5. Cinnamon Dhonveli Maldives

Cinnamon Dhonveli is home to a well-known surf break – Pasta Point, where you can kick back and sip cocktails whilst watching your partner go out to catch some waves!

Their first-rate water bungalows are situated above a reef that is truly alive with plenty to do for non-surfers.

Maldives regulars rate this as their top choice amongst all of the resorts they have visited previously, with the level of customer service being quoted as second to none.

cinnamon dhonveli maldives water villa
cinnamon dhonveli maldives water villa beach

At a glance:

  • 63 sqm
  • New Soft Refurbishment
  • Fully Detached
  • Up to 55% off for 2021
  • 25 minutes by speedboat
  • 5 Restaurants
  • 2 Bars
  • Leading Surf Resort

From £1865pp for 7 nights including flights from London

6. Coco Palm Dhuni Kolhu 

The Lagoon Villa at Coco Palm Dhuni is designed for privacy and located on one of the Maldives’ most magical islands, surrounded by soft white sands and turquoise waters. 

A stand out feature of this resort is that you can experience a private grill where your villa is turned into a restaurant for two! An expert grill chef and server can prepare, cook and serve you very own barbecue dinner, making it an incredibly romantic feast in your room.

coco palm dhuni kohl water villa
coco palm dhuni kohl water villa beach

At a glance:

  • 87 sqm
  • Four Poster Bed
  • Small Intimate Island
  • 30 minutes by seaplane
  • 2 Restaurants
  • 2 Bars

From £2360pp for 7 nights including flights from London

7. Anantara Veli Maldives 

Anantara Veli is an adults-only resort, ensuring complete tranquillity and peaceful surroundings. 

With a sleek, modern yet simple design, the overwater bungalows serve as all-around retreats for every traveller. Each bungalow has private decks and direct lagoon access making it a perfect place if you love to explore the marine life flourishing right below your room.

The resort is also equipped with a high-end wellness spa, fitness centre, outdoor tennis court, and upscale dining options. 

anantara veli maldives water villa
anantara veli maldives water villa bedroom

At a glance:

  • 62 sqm
  • Fully Detached
  • Free Transfers for stays over 6 nights
  • 30 minutes by speedboat
  • 6 Restaurants
  • 2 Bars

From £2030pp for 7 nights including flights from London

8. Vilamendhoo Island Resort and Spa 

A firm favourite among returning guests, Vilamendhoo Island offers some of the best value in terms of price vs luxury experiences. 

The Jacuzzi Water Villas come with an adult-only restaurant and infinity swimming pool, ensuring a peaceful and relaxing time away.

With an unbeatable reputation for their service, incredible buffet food and world-class house reef, Vilamendhoo Island Resort and Spa is top of the list for affordable luxury!

vilamendhoo island maldives water villa bedroom
vilamendhoo island maldives water villa beach

At a glance:

  • 85 sqm
  • New Soft Refurbishment
  • World-Class House Reef
  • 25 minutes by seaplane
  • 4 Restaurants
  • 4 Bars

From £2080pp for 7 nights including flights from London

READ: Vilamendhoo Island Resort and Spa – 2 Weeks in Paradise

9. Adaaran Select Meedhupparu

Adaaran’s Select Meedhupparu’s Prestige Water Villas are all about giving you an unforgettable and luxurious experience. Each villa is designed with wooden accents and you can view the turquoise waters through a glass-bottom sundeck.

Each water villa has made great use of the space, providing superior comfort and comes equipped with its own jacuzzi on the private sundeck.

adaaran select meedhupparu water villa
adaaran select meedhupparu water villa bedroom

At a glance:

  • 83 sqm
  • Glass Bottom Sundeck
  • Up to 40% off for 2021
  • 45 minutes by seaplane
  • 4 Restaurants
  • 4 Bars

From £2435pp for 7 nights including flights from London

10. Ayada Maldives 

Ayada Maldives is an award-winning resort which truly embraces authentic Maldivan luxury.

These villas come with ample space both indoors and out, with an ocean hammock and private pool looking out to the horizon. 

Ayada also boasts having one of the best reef breaks in the Maldives and is a top pick for serious surfers.

ayada maldives water villa
ayada maldives water villa bathroom

At a glance:

  • 108 sqm
  • Gorgeous Bathroom
  • Private Pool
  • 50 minutes by speedboat
  • 6 Restaurants
  • 2 Bars

From £2350pp for 7 nights including flights from London

11. Centara Ras Fushi Resort and Spa 

Convenience and affordability packed into one resort, that’s what Centara Ras Fushi Resort is. The all-inclusive package offers one of the best deals out there in terms of value for money.

Their Deluxe Water Villas are also pretty spectacular. They may not be as spacious in comparison to other resorts but they are perched on the lagoon and you can admire the same beautifully pristine waters.

centara ras sushi maldives water villa bedroom
Centara Ras Fushi Resort and Spa Bathroom

At a glance:

  • 42 sqm
  • Great Snorkelling
  • Up to 25% off for 2021
  • 20 minutes by speedboat
  • 4 Restaurants
  • 3 Bars

From £2190pp for 7 nights including flights from London

READ: How to Plan an Amazingly Affordable Luxury Safari in Tanzania

12. Coco Bodu Hithi

Coco Bodu Hithi Water Villas have a chic sense of style that sticks to the earthy tones that blend well with the surrounding views of the Indian Ocean. 

The water villas come with an infinity pool as standard, which, for the price provides spectacular value!  

There is also a high-end entertainment system and an incredible sound system for you to play your favourite tunes to get into holiday vibes.

coco bodu hithi maldives water villa pool
coco bodu hithi maldives water villa deck

At a glance:

  • 109 sqm
  • Great House Reef
  • Private Infinity Pool
  • 25 minutes by seaplane
  • 4 Restaurants
  • 2 Bars

From £2350pp for 7 nights including flights from London

13. Sheraton Maldives Full Moon Resort and Spa 

The Sheraton brand is well-known for providing high-end accommodation for all kinds of travellers, and if you’ve ever wanted to experience one, then this is the perfect opportunity. 

Their water bungalows are only a fraction higher than some of the others on this list, with the option to choose one with or without a private pool. The views across the lagoon are simply not to be missed.

sheraton maldives full moon water villa
sheraton maldives full moon water villa pool

At a glance:

  • 54 sqm
  • Private Infinity Pool
  • Up to 25% off in 2021
  • 20 minutes by seaplane
  • 7 Restaurants
  • 7 Bars

From £2380pp for 7 nights including flights from London

14. Amari Havodda

If you want that perfect instagrammable water villa, then Amari Havodda has you covered. Each villa has all the comforts for a fun stay and you’ll love the pops of colour in each unit. 

The overwater villas have a netted lounging area where you can spend hours watching the underwater right beneath you. 

amari havodda maldives water villa sun deck hammock
amari havodda maldives water villa

At a glance:

  • 77 sqm
  • Open-Air Bathroom
  • Great House Reef

  • 25 minutes by seaplane
  • 2 Restaurants
  • 1 Bar

From £2390pp for 7 nights including flights from London

READ: Best Bucket-List Beaches in the World!

Things To Know About Staying in Over Water Villas 

Staying in a water villa in the Maldives can seem like an easy decision to make, but before you hit that ‘book now’ button, here are a few Pros and Cons you need to keep in mind:

Pros

  • Water villas are far more romantic – This is subjective, but generally speaking they will be!
  • Front Row Seats – You are guaranteed to have uninterrupted views out to the Indian ocean.
  • Direct access to the sea – At any time of day or night! Makes a huge difference for those who enjoy the comforts of their room coupled with easy access to the sea.
  • Adults only – Almost all water villas in the Maldives require guests to be over 18 years old. 
  • Incredible sunrise or sunset views – Most water villas are strategically placed to ensure you have a memorable dusk or dawn
  • Private sundeck – For complete peace and serenity.
  • No unwanted guests – Luckily those pesky mosquitoes and bugs do not venture too far out from land! Plus, most bathrooms in water villas are enclosed, meaning even less chance of these tropical critters ‘bugging’ you.

Cons

  • Distance from resort’s main facilities – Water villas are usually a little walk away, which turns into a very long slog during a downpour!
  • Shaded sundeck – Not all water villas will get sunshine on the deck all day long.  
  • Not family-friendly – For safety reasons, children are not allowed to stay in water villas.
  • Seasickness – Can cause nausea in some people who are extremely sensitive to it.
  • Expensive – Although they are totally worth the experience, expect to pay quite a bit more for the privilege! 
best cheap luxury water villas in the maldives

Why we will always use Simply Maldives

Without a doubt, award-winning Simply Maldives provides the best service and top value for package holidays to the Maldives. They have personally visited almost every resort out there, creating their own walk-around videos for each class of room. 

Their first-hand knowledge and fantastic rates are difficult to beat, which is why they are consistently given excellent feedback and reviews. No request is too much trouble. Their fab relationships with the resorts means that if you want a particular room number, they’ll most definitely make that happen.

Oh, and their website is so lovely and clear to navigate, you will find it a total breeze getting quotes.

If you choose to book through Simply Maldives let them know where you heard about them for that extra special treatment! 

READ: This is the Best Place to Stay in Coron, Palawan!

Do I Need Travel Insurance for the Maldives?

Absolutely. This is not because the Maldives poses any more risk than other destinations but because you want to limit the level of inconvenience or trauma should the unexpected happen.

Islands will generally have an on-call doctor and clinic with basic medical facilities, with Male being the nearest island with hospitals. Medical treatment can be hours away and emergency transportation is extremely expensive. 

Without a doubt, our favourite place to search for travel insurance is TravelSupermarket. They have policies that can provide cover for COVID-19 related issues, just be sure to check out whether they have a 5-star defaqto rating.

COVID insurance cover is absolutely essential if you’re booking any travel over the next 12 months. Take a good look at the conditions to see what you’re willing to accept, making sure that you prioritise cover for medical treatments over holiday cancellation cover if cost is a consideration.

READ: 11 Top Tips on How to do Affordable Luxury Travel

Wrapping Up

Staying in a water villa in the Maldives may be a once-in-a-lifetime experience and can be a tough decision, especially if you are keen to get the most out of your trip.

What we can tell you, is that you will not regret it. One day you will forget about how much it cost you, but you will never forget the wonderful memories….

If you enjoyed reading about the best affordable luxury water villas in the Maldives, then take a look at a review of our absolute favourite resort in the Maldives here.

Could you do us a favour? If you liked this article, please share it using the buttons below and help more people find our great content. Thanks!

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