Auction & fast completions
Spanish court and bank auctions often demand full payment within days. We fund against the hammer price while your mortgage or sale proceeds catch up.
Bridging finance · Spain
The gap between
agreeing and
completing,
spanned in days.
Short-term loans secured on Spanish property, funded by private capital rather than banks. Built for buyers and investors who can't wait three months for a mortgage decision.
Typical completion window
7
days, from
signed terms
signed terms
≤75%
Loan to value
0.75%
Interest, from per month
48 Hours decision
And issue terms
€150k–€15m
Loan size range
Where a bridge helps
Six situations where speed matters more than the headline rate.
A mortgage is the right tool when there's time. A bridge is the right tool when there isn't — while it still gets refinanced or repaid on a clear exit.
Broken chains
Your buyer has pulled out but your onward purchase is still moving. A bridge holds the purchase together until the original sale completes.
Non‑resident buyers
Spanish banks can take months to underwrite overseas income and foreign credit history. We lend against the asset, not your tax residency.
Probate & inheritance
Release equity from an inherited property to settle taxes, buy out co‑heirs, or cover costs, before a sale or long‑term refinance completes.
Refurbishment before refinance
Buy, renovate, then remortgage onto a standard rate once the property is habitable and valued at its improved worth.
Opportunity & Delivery
Fund the purchase of a property whilst your funds are locked in other assets.
Process
Five steps, most of the time on your side, not ours.
We underwrite the property and the exit route, not a stack of payslips. Most of the delay in Spanish bridging finance sits with notaries and registries — we plan around it.
1
Enquiry & valuation
Tell us the property, the loan needed and the exit. We issue credit backed terms within 48hrs and proceed to instruct evaluation.
2
Terms issued
A formal offer covering rate, LTV, term and fees — is issued on receipt of the valuation & this is held firm once accepted.
3
Legal & notary
Your abogado and ours run title checks in parallel with the valuation, not after it.
4
Funds released
Funds move to notary or seller on completion day, in euros, no currency delay.
5
Exit
Repaid on sale, remortgage, or refinance — with no penalty for repaying early.
Span calculator
See what the gap costs to cross.
Adjust the property value, loan required and term. This is an illustrative guide, not an offer of finance — your written terms may vary.
Loan to value
47%
Monthly interest
€3,400
Total interest, full term
€30,600
Illustrative only, based on interest roll‑up with no early repayment charge. Arrangement and exit fees are quoted separately in your written terms. Rates and LTV are subject to valuation, status and exit strength.
Rates & terms
Priced on the asset and the exit, not a credit score.
Indicative terms below. Every loan is individually priced after valuation — this is the range we typically lend within.
| Term | Loan to value | Rate, monthly | Arrangement fee | Exit fee |
|---|---|---|---|---|
| 3–6 months | up to 70% | from 0.75% | 2.0% | None |
| 6–12 months | up to 75% | from 0.90% | 2.0% | None |
| 12–24 months | up to 70% | from 1.05% | 2.25% | 1.0% |
| Development / heavy refurb | up to 70% GDV* | from 1.15% | 2.5% | 1.0% |
*GDV: gross development value on completion of works. No early repayment charge on standard terms. Rates shown are indicative and subject to underwriting.
Recent lending
Three gaps we've bridged.
Anonymised, illustrative examples of loan structures we've arranged — details adjusted to protect confidentiality.
Auction completion · Costa del Sol
A villa bought below market at a bank auction, with an 8‑day deadline the buyer's mortgage broker couldn't meet.
Chain break · Madrid
A sale fell through three weeks before completion. The bridge held the onward purchase together for eleven weeks.
Refurbishment · Valencia
A near‑derelict townhouse, unmortgageable as bought, refinanced onto a standard rate once works completed.
Questions
What people ask before they call.
What exactly is a bridging loan? +
A short-term loan secured against Spanish property, used to
cover the period between needing funds now and a longer-term
source of repayment — a sale, a remortgage, or the release of
other capital — arriving later.
How fast can funds actually be released? +
From signed terms, most straightforward cases complete in 5 to
10 working days. The main variable is how quickly title checks
and notary scheduling can move, which is why we run legal work
in parallel with valuation rather than after it.
Do I need to be a Spanish resident to apply? +
No. The majority of loans we arrange are for non-resident buyers
and investors. Lending is secured against the property itself,
so overseas income and foreign credit history are less central
than they are to a standard mortgage application.
What can I use as an exit route? +
Sale of the secured property, sale of another asset, a standard
mortgage remortgage once the property qualifies, or an
inheritance or investment maturity with a confirmed date. We
agree the exit before funds are released and check in as the
term progresses.
Is there a penalty for repaying early? +
On terms up to 12 months, no. On longer terms, an early exit fee
may apply as shown in the rates table, though it is typically a
fraction of the interest saved by repaying ahead of schedule.
What does the loan actually cost, all in? +
Three components: the monthly interest rate, an arrangement fee
charged at drawdown, and — on some terms — an exit fee. There
are no monthly repayments to make during the term; interest is
typically rolled up and settled at exit. Use the span calculator
above for an illustrative figure.
Get in touch
Tell us the property and the deadline.
Send the outline and we'll come back with an indicative rate and LTV, usually within one working day.
Emailenquiries@spainbridgingloans.com