After the company sale: €1,175,400 for a villa in Tossa de Mar
A couple of entrepreneurs from North Rhine-Westphalia planned, after selling a family business, to move their centre of life entirely to Spain. They were looking for a villa with a sea view, a generous garden and enough room for visits from their adult children and grandchildren.
Villa in Tossa de Mar: why leave capital for other goals, and which modernisations are typical?
Many buyers want to keep their asset structure balanced and leave capital available for other long-term goals or investments. Typical modernisations are kitchens, bathrooms, air conditioning, building automation, network technology, fitted wardrobes and measures for long-term residential use. We arrange the financing and approach 30+ banks per case.
Key figures: €1,780,000 price, €1,175,400 loan
- Purchase price: 1,780,000 €
- Renovation: 206,400 €
- Financing required: 1,175,400 €
- Equity: 1,024,600 €
Anonymised case figure · not a binding statement for other projects · §34i GewO
Living where history meets the Mediterranean
Tossa de Mar is one of the most striking coastal towns on the Costa Brava. The historic old town, the medieval town walls and the sheltered coves give the town a special atmosphere. Besides holiday properties, more and more German-speaking buyers deliberately choose a permanent residence in Tossa de Mar. Detached villas in the surrounding residential areas are especially in demand.
After the company sale: a sea-view villa in Spain: The house they found was convincing for its location above the coast but required comprehensive interior modernisation before moving in.
€2,200,000 total investment, split into its items: Purchase price: 1,780,000 €; Additional costs: 213,600 €; Renovation: 206,400 €; Total investment: 2,200,000 €; Equity: 1,024,600 €; Financing required: 1,175,400 €.
Modernised before moving in, assets stay invested
Although sufficient equity from the company sale was available, a considerable part of the assets was to remain flexibly invested. At the same time, the buyers wanted to complete all modernisation measures before the move so they could use the house immediately as their main residence.
66 % of the price financed, extra costs from own funds: For high-quality villas in Tossa de Mar, the purchase price makes up only part of the actual investment. Acquisition costs and individual adaptations to living comfort and technology should be included in the overall plan early — covered from equity, not by the bank loan.
The financing corresponded to around 66 % of the purchase price. This kept a balanced asset structure and enough liquidity available for future plans.
Kitchen, baths, cooling and smart home paid from equity
The overall plan covered all intended modernisation — from equity, not by the bank loan:
complete redesign of the kitchen; modernisation of all bathrooms; replacement of the air conditioning with an energy-efficient system; smart-home control for lighting, shading and climate control; custom-made fitted wardrobes; modernisation of the home network technology; low-barrier adaptations on the ground floor for long-term use.
All work was carried out immediately after the acquisition.
Moved in with no second building phase, assets still free
Once the modernisation was complete, the villa could be occupied without a further building phase. The buyers had a permanently usable home that met their personal requirements. At the same time, a significant part of their assets remained outside the property.
Count price, costs and renovation together from day one: For high-quality villas in particular, an overall plan that does not consider the purchase price alone is worthwhile — the bank loan for the purchase price, costs and modernisation from equity. Anyone who plans modernisation, additional costs and sufficient liquidity reserves together creates a durable basis for a permanent centre of life in Spain.
Tossa de Mar: holistic planning preserves financial flexibility
Buying a villa in Tossa de Mar shows how important holistic financing planning is. If the purchase price, additional costs and all modernisation are taken into account from the start, a solid basis emerges for permanent life on the Costa Brava – with sufficient financial flexibility for the future.
Similar cases by region and price band: Cases with a comparable region and price band — for context, not a promise of the same outcome.
Penthouse in Palamós — retiring after the handover: Gradual retirement by the marina after handing over the company. Anonymised Costa Brava case — non-resident financing in Spain. §34i.
Frequently asked questions
Can low-barrier adaptations be planned in directly?
As a rule the Spanish bank does not co-finance modernisation — it belongs in the overall plan: equity or raising capital against German property.
Is Tossa de Mar suitable for permanent living?
Yes. The town offers a high quality of life, an established infrastructure, medical care, shopping and an attractive location on the Costa Brava – outside the holiday season too.
How much of the purchase price was financed for the villa in Tossa de Mar?
The financing corresponded to around 66 % of the purchase price, with 1,175,400 € financing required on a purchase price of 1,780,000 €. This kept a balanced asset structure and enough liquidity available for future plans.
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
Related pages
Practical case Mallorca: Charming finca near Santanyí
Modernisation planned in from the start
Practical case Mallorca: Family house in Alcúdia
When the sale of the previous property is part of the financing
Practical case Mallorca: Finca with guesthouse in Deià
Two generations realise their dream together
Townhouse in Sant Feliu de Guíxols — case report
Anonymised case: mortgage financing for a townhouse in Sant Feliu de Guíxols on the Costa Brava — terms, equity and how the case was structured.
Apartment in Cadaqués — dentists nearing retirement
A dentist couple from Zurich plan a gradual retirement in Cadaqués. Anonymised Costa Brava case — non-resident financing in Spain. §34i.
Detached house in Begur — architect couple relocating
An architect couple from Hamburg relocate their centre of life to Begur. Anonymised Costa Brava case — non-resident financing. §34i.
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.