The Maldives has a reputation for five-figure price tags, private butlers and lobster dinners, but that's only half the story. A recent roundup from Condé Nast Traveller UK makes the case that genuinely beautiful, well-run resorts there can cost far less than you'd expect — if you know where to look and when to book.

The core advice is refreshingly practical. First, travel outside the peak season: the high season runs December to April, so shifting your dates to the shoulder months can shave a serious amount off your bill. Second, consider all-inclusive packages — with most resorts sitting on private islands, there's nowhere to wander off for a cheap dinner, so bundled food and drink often works out smarter than paying à la carte. Third, pick a resort you can reach by speedboat instead of a seaplane. Seaplane transfers can run into hundreds of dollars per person each way, and some of the closer atolls are only a short boat ride from Malé airport.

As for where to stay, the editors flagged two standouts. Families get a nod to LUX* South Ari Atoll, a big, well-equipped resort with plenty to keep kids busy, while Siyam World gets the pick for all-inclusive travellers who want everything wrapped into one price. Beyond those two, the list points towards bright, simple bungalow-style properties and lower-key resorts that trade caviar and Champagne for clean design, warm service and that unbeatable tropical setting.

There's a wider point here too: because every resort is effectively its own island, the location itself — the lagoon, the reef, the sand — is largely the same whether you're in a multi-room overwater villa or a modest beach bungalow. The water doesn't know how much you paid. The editors behind the list emphasise hotels they've actually stayed at, weighing design, location and sustainability credentials alongside price, so the picks lean towards places that feel authentic rather than just cheap.

For travellers who've long filed the Maldives under "someday", this reframes the maths. A week there doesn't have to mean a honeymoon-sized budget: pick the right season, choose a speedboat-accessible island, lock in an all-inclusive rate, and you're looking at a very different total. It also suits a broader range of trips than the stereotype suggests — families, dive enthusiasts and even solo travellers will find options that fit. The window for the best-value weather-and-price combination tends to be the months just outside peak season, when the seas are still swimmable and the resorts are quieter. In short: the overwater-villa fantasy can wait. The Maldives itself is closer than you think.