Unlock the Value of your Spanish Property

Flexible Mortgage Solutions

We can leverage the purchase of your Spanish property with our mortgage packages.

Because we are fully regulated by the Banco de España, we can provide the flexibility permitted under Spanish mortgage law. We make no distinction between properties held personally or via a company structure, giving you freedom in how you manage your assets.

While equity release and capital raising are fully legal under the new Spanish mortgage law, High Street banks tend to limit lending to your income or property acquisition, overlooking situations where income fluctuations or debt-to-income ratios require more flexible solutions. We also cater to those who do not meet the strict age requirements set by traditional banks.

Equity Release – A Regulated Way to Access Funds from Your Spanish Property

Equity release is a common and fully regulated method of unlocking funds from your Spanish property by establishing a mortgage against it.

Your property can be owned personally or through a limited company:

• If owned personally: You must demonstrate sufficient income to cover the interest payments—monthly, quarterly, or within 12 months.

• If owned by a limited company: The company must have its Spanish tax declarations up to date.

Only two credit checks are required: the Spanish CIRBE and ASNEF reports.

The key requirement is to have a clear plan for how you intend to use the released funds.

In principle, the funds are transferred to your account for free use. However, if there are any existing debts related to your Spanish property—such as taxes or community fees—these must be settled from the funds received.

The property must have sufficient current equity at the time of application, as this present value (not any projected future value for renovation or construction) will determine eligibility.

Applications are assessed based on your current financial position, not past income or previous debts.

Bridging Loans in Spain

Unlock fast, flexible funding with a Bridging Loan secured against your Spanish property.

At Equity and Mortgage Hub, we offer 1–10 year mortgages with interest-only payments, designed to help you:

• Release equity quickly

• Fund refurbishments or renovations

• Consolidate debt or clear existing charges

• Bridge the gap while selling or buying property

We work with our own funds, not intermediaries — ensuring swift approval, flexible terms, and complete confidentiality.

Whether your property is owned personally or through a company, our bridging loans provide the short-term financial solution traditional banks in Spain don’t offer.