Financing a townhouse in Sant Feliu de Guíxols – Historic charm with modern living comfort
A lawyer and a management consultant from Frankfurt planned to move their centre of life entirely to Spain within the next two years. They were looking for a townhouse in Sant Feliu de Guíxols with a roof terrace, a courtyard and enough room for guests.
In short
What was this case about?
A lawyer and a management consultant from Frankfurt planned to move their centre of life entirely to Spain within the next two years. They were looking for a townhouse in Sant Feliu de Guíxols with a roof terrace, a courtyard and enough room for guests.
Do older townhouses often need modernisation?
Yes. Depending on the year of construction, kitchens, bathrooms, air conditioning, electrical installations or digital infrastructure are frequently modernised.
Why are investments not used entirely for the property purchase?
Many buyers want to keep their assets broadly positioned and retain sufficient liquidity for future developments.
Who arranged this?
Perini Finance & Property — German-speaking, operating under the §34i GewO licence held by Olga Nikushkina, Portugal through a locally licensed intermediary; 15 to 20 banks approached per case. First call free; on completion 1 % of the loan amount.
€1,340,000 purchase price and €910,800 of financing
- Purchase price: 1.340.000 €
- Renovation: 149.200 €
- Financing required: 910.800 €
- Equity: 739.200 €
Anonymised case figure · not a binding statement for other projects · §34i GewO
Property for sale in Sant Feliu de Guíxols
Sant Feliu de Guíxols is one of the most traditional towns on the Costa Brava. The marina, the historic old town and the year-round lively seafront promenade make it especially interesting for people who are looking not just for a property by the sea but for a permanent centre of life. Many townhouses combine classic architecture with great potential for a contemporary modernisation.
Moving in two years, a house found near the old town
A lawyer and a management consultant from Frankfurt planned to move their centre of life entirely to Spain within the next two years. They were looking for a townhouse in Sant Feliu de Guíxols with a roof terrace, a courtyard and enough room for guests. The property they found was convincing for its location near the old town but required extensive modernisation in the interior.
The €1,650,000 total investment in detail
- Purchase price: 1.340.000 €
- Additional costs: 160.800 €
- Renovation: 149.200 €
- Total investment: 1.650.000 €
- Equity: 739.200 €
- Financing required: 910.800 €
Investments stay diversified, the house gets renewed
The buyers had considerable own funds from long-term asset-building. Even so, they did not want to liquidate their investments entirely but to keep part of their assets broadly diversified. At the same time, the house was to be fully modernised before the final move.
68 % financed, equity kept back as a reserve
For high-quality townhouses in Sant Feliu de Guíxols, the actual investment requirement often consists of more than the purchase price. Older buildings in particular benefit from a comprehensive technical and functional modernisation.
With financing of around 68 % of the purchase price, a balanced capital structure could be created. At the same time, sufficient equity remained as a reserve.
Kitchen, baths, cooling on every floor, new courtyard
The overall plan covered all planned measures — from equity, not by the bank loan:
- high-quality new fitted kitchen
- complete renewal of all bathrooms
- modern air conditioning on several levels
- smart-home system for lighting and shading
- network cabling for home office and media
- custom-made fitted wardrobes
- redesign of the courtyard with low-maintenance features
All modernisation was implemented immediately after the acquisition.
A modernised townhouse and time to prepare the move
Once the work was completed, a fully modernised townhouse was available that met the requirements for permanent living. The buyers were able to prepare their move over the long term and at the same time keep their asset structure balanced.
Plan technology and comfort early, not as a retrofit
Historic townhouses on the Costa Brava often offer a special character but frequently require targeted investment in technology and living comfort. Anyone who integrates these measures into the overall plan early — covered from equity, not by the bank loan — creates a realistic basis for calculation and avoids later additional financing.
Frequently asked
Do older townhouses often need modernisation?
Why are investments not used entirely for the property purchase?
Can extensive modernisation be co-financed directly?
Is Sant Feliu de Guíxols suitable as a permanent residence?
Sant Feliu townhouse: joint planning supports the planned move
A townhouse in Sant Feliu de Guíxols combines a historic setting with modern living. If the purchase price, additional costs and all modernisation measures are planned together from the start — the bank loan for the purchase price, costs and modernisation from equity — a durable overall plan emerges that supports the permanent move to the Costa Brava over the long term.
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A similar situation in Spain? Let's talk.
Every financing in Spanien is an individual case. In a free initial consultation I will tell you honestly what is feasible and which bank fits.
Book a free consultationAnonymised individual case, not a binding statement for other projects · Brokerage under the §34i GewO licence held by Olga Nikushkina (D-W-132-ZUCB-95); Siegfried Perini registered as directly involved person (§11a GewO) · no tax or legal advice · no financing commitment; conditions depend on creditworthiness, loan-to-value and bank