Villa in Oliva – Practice handed over, clients online, residence in Spain
A couple from Hesse, both self-employed tax advisers, planned a new chapter of life in Spain after handing over their practice. As they wanted to continue advising their clients digitally for a few more years, two fully equipped studies were as important as a quiet living environment.
What stands out about the villa in Oliva?
Oliva offers an established town structure, long sandy beaches, good infrastructure and a quiet living atmosphere with year-round quality of life. For buyers who continue their professional activity partly, separate work areas ease everyday life. We arrange the financing and approach 30+ banks per case. The first call is free.
Key figures: Villa at €846,000, financing needed: €549,900
- Purchase price: 846,000 €
- Renovation: 52,500 €
- Financing required: 549,900 €
- Equity: 450,100 €
Anonymised case figure · not a binding statement for other projects · §34i GewO
Property for sale in Oliva: Mediterranean living between orange groves and the sea
Oliva lies on the southern Costa de Valencia and is one of the places that have preserved their authentic character. The historic old town, miles of sandy beaches and very good infrastructure make the town interesting for many German-speaking buyers who want to move to Spain permanently. At the same time, Oliva offers more peace than many well-known coastal towns, without having to give up good accessibility.
This practical case shows how acquiring a villa for owner-occupation can be financed durably and soundly.
After handing over the practice: villa with two studies
After a longer search they chose a detached villa in an established residential area of Oliva. The house offered a generous layout, a low-maintenance garden and short distances both to the city centre and to the beach.
The €1,000,000 total investment in detail: Purchase price: 846,000 €; Additional costs: 101,500 €; Renovation: 52,500 €; Total investment: 1,000,000 €; Equity: 450,100 €; Financing required: 549,900 €.
Part of the assets stay invested, the house gets ready: The equity consisted of savings, a securities portfolio and the sale of a rented apartment. Even so, part of the assets was to remain deliberately invested in order to keep financial flexibility after the move too.
Before moving in, the property was to be adapted to the requirements of a permanent residence.
Sound villa; kitchen, bathrooms and two studies planned
The villa was in very good structural condition. The planned investments therefore focused on living comfort and energy efficiency.
Planned were a new high-quality fitted kitchen, the modernisation of two bathrooms, more efficient air conditioning with intelligent control, the renewal of the windows on the south side and the fit-out of two studies with custom-made fitted furniture and capable network technology.
As all measures were defined before the purchase contract was concluded, they could be fully included in the total investment.
65 % financed, every cost planned in from the start
The financing was set at around 65 % of the purchase price. This kept enough equity as a long-term reserve, while at the same time creating a balanced financing structure.
Alongside the purchase price, all acquisition costs and all intended modernisation were included in the overall plan from the outset — covered from equity, not by the bank loan. Additional financing steps after the purchase were therefore not required.
Move to Oliva with financial independence intact: Once the work was completed, a comfortable house was created that meets the requirements both of the remaining working years and of later retirement.
The buyers were able to move their centre of life to Oliva as planned while preserving their financial independence.
Quiet setting, good services and the sea can go together
Oliva shows that quiet residential locations, good infrastructure and proximity to the sea can be combined excellently. Anyone who fully calculates the purchase price, additional costs and modernisation costs early creates a robust basis for a permanent move to Spain.
Villa in Oliva: full planning for a Mediterranean lifestyle: Oliva combines authentic Mediterranean life with a high quality of living and excellent infrastructure. An overall plan that budgets the purchase price, additional costs and all planned modernisation together already at the acquisition — 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 on the Costa de Valencia.
Similar cases by region and price band: Cases with a comparable region and price band — for context, not a promise of the same outcome.
Beachside apartment in Playa de Gandia — case report: Anonymised case report: Beachside apartment in Playa de Gandia – Sale proceeds as the equity. Mortgage financing for non-residents.
Frequently asked questions
Why is not all of the equity used?
Many buyers want to preserve their asset structure and keep financial reserves for later stages of life or unexpected expenses.
Which properties are especially in demand in Oliva?
Detached villas, detached houses and modern apartments in quiet residential settings are among the preferred properties for permanent owner-occupation.
How was the total investment of €1,000,000 for the villa in Oliva made up?
The purchase price was 846,000 €, the additional costs 101,500 € and the renovation 52,500 €. Equity was 450,100 €, the financing required 549,900 €, around 65 % of the purchase price.
A similar situation in Spain? Let's talk.
Every financing in Spain is an individual case. In a free initial consultation we will tell you honestly what is feasible and which bank fits.
Anonymised 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
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Content by Siegfried Perini — local brand representative since 2019, active in real estate since 1992, entered in the German intermediary register (§ 11a GewO) as a person directly involved in brokerage and advice. Point of contact for German-speaking buyers in Spain and Portugal. Brokerage by Olga Nikushkina, mortgage credit intermediary under § 34i German Trade Regulation (GewO); in Portugal through a locally licensed intermediary.