Villa in Sotogrande – After the company sale: the source-of-funds question
A couple of entrepreneurs from Switzerland planned a complete new start in Spain after selling a mid-sized company. Both wanted to move their centre of life permanently to the Costa del Sol and at the same time create enough room for family visits and occasional business appointments.
In short
What was this case about?
A couple of entrepreneurs from Switzerland planned a complete new start in Spain after selling a mid-sized company. Both wanted to move their centre of life permanently to the Costa del Sol and at the same time create enough room for family visits and occasional business appointments.
Why is Sotogrande attractive for owner-occupiers?
Sotogrande offers generous residential locations, a lot of privacy, high-quality infrastructure, international schools, a marina and excellent access to the Costa del Sol.
Are high-quality properties often modernised?
Yes. Very high-quality properties too are frequently adapted individually to the needs of their new owners.
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.
€2,980,000 purchase price, €162,400 of renovation
- Purchase price: 2.980.000 €
- Renovation: 162.400 €
- Financing required: 1.937.000 €
- Equity: 1.563.000 €
Anonymised case figure · not a binding statement for other projects · §34i GewO
Exclusive living with peace, privacy and a maritime lifestyle
Sotogrande is one of the most renowned residential addresses in southern Spain. Generous plots, well-kept residential areas, international schools, a marina and several renowned golf courses shape the region. Despite its exclusive character, many German-speaking buyers deliberately choose Sotogrande as a permanent residence – not because of a luxurious lifestyle but because of the exceptional quality of life and the quiet surroundings.
This practical case shows how buying a high-quality villa for owner-occupation can be financed.
After the company sale: a fresh start in Sotogrande by the marina
A couple of entrepreneurs from Switzerland planned a complete new start in Spain after selling a mid-sized company. Both wanted to move their centre of life permanently to the Costa del Sol and at the same time create enough room for family visits and occasional business appointments.
After a longer period of observing the market they chose a detached villa in an established residential setting in Sotogrande with a generous plot and short distances to the marina.
€3,500,000 total investment, €1,563,000 of it equity
- Purchase price: 2.980.000 €
- Additional costs: 357.600 €
- Renovation: 162.400 €
- Total investment: 3.500.000 €
- Equity: 1.563.000 €
- Financing required: 1.937.000 €
Only part of the wealth goes into the house, the rest stays invested
Although sufficient assets were available, only part of them was to be used for the acquisition. A considerable share of the capital was to remain invested over the long term in order to preserve the asset structure and liquidity.
In addition, there was the wish to develop the property further technically and functionally before moving in.
Home automation, designer kitchen, bath and meeting area planned
The villa was in excellent structural condition. The planned measures therefore focused exclusively on individual adaptations.
Provided for were a fully modernised house control, a new designer kitchen with professional equipment, the redesign of the main bathroom, more efficient air conditioning, the fit-out of a generous work and meeting area and the renewal of the outdoor lighting.
All measures were planned in detail before the purchase contract was concluded and fully included in the total investment.
€1,937,000 at 65%, the investments stay in place
The financing was set at around 65 % of the purchase price. This kept a considerable part of the assets flexibly available and able to remain invested over the long term.
Alongside the purchase price, all additional costs and the planned modernisation measures were included in the overall plan from the outset — covered from equity, not by the bank loan. Additional loans after the acquisition were therefore not required.
A house to their own ideas, room left for further plans
Once the work was completed, a house was created that fully matched the buyers' personal ideas and at the same time offered optimal conditions for a permanent centre of life.
The financing remained calculable over the long term and left sufficient financial room for further private and entrepreneurial decisions.
Even at the top price range, the total investment counts
In the high-priced segment too, financing should not be aligned exclusively with the purchase price. Individual adaptations, technical modernisation and acquisition costs significantly influence the actual total investment.
An early overall calculation creates transparency and avoids later financing gaps.
Frequently asked
Why is Sotogrande attractive for owner-occupiers?
Are high-quality properties often modernised?
Why is financing used despite high assets?
Which properties are especially in demand in Sotogrande?
Sotogrande: overall planning for a villa in an exclusive, quiet spot
Sotogrande combines exclusivity with peace and an exceptionally high quality of life. An overall plan that budgets the purchase price, additional costs and all planned modernisation together from the start — the bank loan for the purchase price, additional costs and modernisation from equity — creates the basis for a long-term secure and comfortable centre of life in southern Spain.
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Practical case Mallorca: Finca with guesthouse in Deià
Two generations realise their dream together
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