Financing renovation alongside the purchase
Anonymised examples of how buyers financed the purchase price and renovation together from the outset.
Financing renovation alongside the purchase — from practice
Anyone who plans renovation in already at the purchase avoids later financing gaps. The following case reports show, in anonymised form, how purchase price, acquisition costs and planned measures were financed together in Spain and Portugal.
Frequently asked questions — Financing renovation alongside the purchase
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Are the figures shown transferable?
Cases from this theme — by region
Mallorca
Practical case Mallorca: Charming finca near Santanyí
Modernisation planned in from the start
To the case report → MallorcaPractical case Mallorca: Family house in Alcúdia
When the sale of the previous property is part of the financing
To the case report → MallorcaPractical case Mallorca: Finca with guesthouse in Deià
Two generations realise their dream together
To the case report → MallorcaPractical case Mallorca: Villa in Campos
Own labour in the renovation cleverly factored in
To the case report → MallorcaPractical case Mallorca: Villa in Pollensa
With an existing property in Germany as a solid foundation
To the case report → MallorcaPractical case Mallorca: Apartment in Porto Cristo
The first property purchase abroad with careful preparation
To the case report → MallorcaPractical case Mallorca: Detached house in Llucmajor
From holiday home to permanent residence
To the case report →Teneriffa
Practical case Tenerife: Exclusive villa in Costa Adeje
The dream of year-round life on the Canary Islands
To the case report → TeneriffaPractical case Tenerife: Modern apartment in Los Cristianos
The first residence on the Canaries after working life
To the case report → TeneriffaPractical case Tenerife: Detached house in El Médano
Home office under the Canary sun
To the case report → TeneriffaPractical case Tenerife: Villa in Puerto de la Cruz
A generational change planned early
To the case report → TeneriffaPractical case Tenerife: Apartment in Santa Cruz de Tenerife
Living in the island capital rather than a holiday resort
To the case report → TeneriffaPractical case Tenerife: Apartment in Playa de las Américas
From second home to centre of life
To the case report →Gran Canaria
Practical case Gran Canaria: Villa in Meloneras
High-quality living with a view of the Atlantic
To the case report → Gran CanariaPractical case Gran Canaria: House in Las Palmas de Gran Canaria
Family life in the island capital
To the case report → Gran CanariaPractical case Gran Canaria: Apartment in Playa del Inglés
The step from holiday guest to permanent resident
To the case report → Gran CanariaPractical case Gran Canaria: Apartment in Maspalomas
Planning retirement in the sun early
To the case report → Gran CanariaPractical case Gran Canaria: Villa in San Agustín
Deliberately keeping the home in Germany
To the case report →Kanaren
Practical case Fuerteventura: Detached house in Corralejo
More space for family and home office
To the case report → KanarenPractical case Lanzarote: House in Puerto del Carmen
Gradual emigration with well-considered financing
To the case report → KanarenPractical case Lanzarote: Villa in Costa Teguise
High-quality living with long-term asset planning
To the case report → KanarenPractical case La Palma: House in Puerto Naos
A new start after the coastal town's reopening
To the case report →Costa Blanca
Practical case Costa Blanca: Penthouse in Altea
The proceeds from a company sale as a solid basis
To the case report → Costa BlancaPractical case Costa Blanca: Detached house in Dénia
Realising the dream of a home with existing rental income
To the case report → Costa BlancaPractical case Costa Blanca: Villa in Albir
When two incomes from different countries come together
To the case report → Costa BlancaBenidorm: Financing a modern apartment with a sea view for a permanent centre of
Anyone who wants to use a home in Benidorm permanently should not focus solely on the purchase price.
To the case report → Costa BlancaAlicante: Financing a city apartment with historic flair and modern living comfo
In city-centre locations in Alicante in particular, a close look at existing properties is worthwhile.
To the case report → Costa BlancaEl Campello: Financing a detached house near the beach for a permanent centre of
A well-kept existing house in El Campello often offers a very good ratio between living quality and location.
To the case report → Costa BlancaVillajoyosa: Financing a townhouse near the old town for a permanent centre of l
Existing properties in Villajoyosa often offer an attractive combination of location, charm and living quality.
To the case report → Costa BlancaGuardamar del Segura: Financing a villa near the dunes for a permanent centre of
Buyers with an entrepreneurial background in particular do not have to invest all their equity in a property.
To the case report → Costa BlancaOrihuela Costa: Financing a modern penthouse for a permanent residence
Modern new-build or nearly new existing apartments too often cause additional investment before they fully match one's own living wishes.
To the case report → Costa BlancaTorrevieja: Financing a terraced house for a new start on the Mediterranean
For the transition into retirement in particular, balanced financing is often more sensible than the full use of existing assets.
To the case report →Costa del Sol
Marbella: Financing a villa in an established residential setting for a permanen
For high-quality properties in Marbella too, it is sensible not to consider the purchase price alone.
To the case report → Costa del SolPuerto Banús: Financing an exclusive apartment at the marina for a permanent res
Exclusive properties too often need individual adaptations before they fully match personal living ideas.
To the case report → Costa del SolNueva Andalucía: Financing a golf villa for life on the Costa del Sol
Even with exclusive villas, additional investment often arises before the property fully matches one's own ideas.
To the case report → Costa del SolEstepona: Financing a modern detached house between the old town and the coast
Modern houses too often need individual adaptations before they fully match personal requirements.
To the case report → Costa del SolBenahavís: Financing a villa with a panoramic view for a permanent centre of lif
With high-quality properties, additional investment often arises even though the property is already in very good condition.
To the case report → Costa del SolMijas: Financing an Andalusian country house for life between the coast and the
Not every property with a rural character is automatically a rustic finca.
To the case report → Costa del SolFuengirola: Financing an apartment near the beach for a permanent centre of life
In cities like Fuengirola in particular, a look at well-located existing apartments is worthwhile.
To the case report → Costa del SolBenalmádena: Financing a penthouse with a sea view for a permanent centre of lif
High-quality new-build or nearly new properties too do not always fully match personal living ideas.
To the case report → Costa del SolMálaga: Financing a city apartment in the historic centre for a permanent centre
City-centre apartments are often convincing for their location and character.
To the case report → Costa del SolNerja: Financing a villa with a sea view for a permanent centre of life
Even if a property is already in good condition, targeted modernisation before moving in is often worthwhile.
To the case report → Costa del SolCasares: Financing a detached house between the coast and nature for a permanent
Casares is especially interesting for buyers who deliberately prefer a quieter residential setting without wanting to give up good accessibility of th
To the case report → Costa del SolSotogrande: Financing a high-quality villa for a permanent centre of life
In the high-priced segment too, financing should not be aligned exclusively with the purchase price.
To the case report → Costa del SolManilva: Financing a terraced house with a sea view for a permanent centre of li
Manilva shows that attractive residential locations on the Costa del Sol do not necessarily have to be in the top price segment.
To the case report → Costa del SolTorrox: Financing a detached house for retirement on the eastern Costa del Sol
Anyone planning their retirement for the long term should think about future requirements already at the property purchase.
To the case report → Costa del SolLa Cala de Mijas: Financing a modern apartment for a permanent centre of life
La Cala de Mijas offers not only an attractive coastal location but also excellent conditions for year-round living.
To the case report →Costa de Valencia
Valencia: Financing an apartment in the Pla del Real district for a permanent ce
Valencia is one of the cities where high-quality existing apartments often offer more living quality and better locations than many new builds.
To the case report → Costa de ValenciaCastellón de la Plana: Financing a townhouse for a permanent centre of life
Cities like Castellón de la Plana often offer attractive residential locations at a price level that is barely found in other coastal regions any more
To the case report → Costa de ValenciaPeñíscola: Financing an apartment with a sea view for a permanent centre of life
Apartments in good existing complexes too often benefit from targeted modernisation before moving in.
To the case report → Costa de ValenciaVinaròs: Financing a detached house near the coast for a permanent centre of lif
Attractive homes with a balanced price-performance ratio are also found outside the well-known coastal metropolises.
To the case report → Costa de ValenciaGandia: Financing an apartment in the city centre for a permanent centre of life
Not every future centre of life in Spain has to be right on the beach.
To the case report → Costa de ValenciaPlaya de Gandia: Financing a beachside apartment for a permanent centre of life
An apartment near the beach places different requirements than a property inland.
To the case report → Costa de ValenciaGandia: Financing a detached house in a quiet residential setting for a permanen
Not every buyer wants to live right on the coast.
To the case report → Costa de ValenciaCullera: Financing a penthouse with a view of the Mediterranean for a permanent
Cullera offers an interesting alternative to the well-known metropolises on the Spanish Mediterranean coast.
To the case report → Costa de ValenciaOliva: Financing a villa in a quiet residential setting for a permanent centre o
Oliva shows that quiet residential locations, good infrastructure and proximity to the sea can be combined excellently.
To the case report → Costa de ValenciaAlcossebre: Financing a bungalow near the coast for a permanent centre of life
Anyone planning retirement in Spain should think about future living needs already at the property purchase.
To the case report → Costa de ValenciaOropesa del Mar: Financing an apartment with a generous terrace for a permanent
An apartment near the coast often offers a high quality of life but should be tuned to the requirements of year-round living.
To the case report → Costa de ValenciaBenicàssim: Financing a villa near the beach for a permanent centre of life
Benicàssim offers not only attractive beach locations but also quiet residential areas with a high quality of life.
To the case report →Costa Brava
Financing an apartment in Roses
Sea view with modernisation from the start
To the case report → Costa BravaFinancing a townhouse in Empuriabrava
Living permanently by the water with well-considered overall financing
To the case report → Costa BravaFinancing a detached house in Begur
Mediterranean living between the old town and the coast
To the case report → Costa BravaFinancing a penthouse in Palamós
Comfortable living with a view of the marina
To the case report → Costa BravaFinancing a terraced house in Platja d'Aro
Family life on the Costa Brava with long-term planning
To the case report → Costa BravaFinancing a townhouse in Sant Feliu de Guíxols
Historic charm with modern living comfort
To the case report → Costa BravaFinancing an apartment in Cadaqués
Living permanently in one of Spain's most extraordinary coastal settings
To the case report → Costa BravaFinancing a villa in Tossa de Mar
Mediterranean living with a long-term financing strategy
To the case report → Costa BravaFinancing a detached house in Lloret de Mar
Living year-round with room for family and home office
To the case report →Algarve
Madeira
Financing an apartment in Funchal
Living permanently with an Atlantic view on Madeira
To the case report → MadeiraFinancing a detached house in Caniço
Living permanently with a sea view on Madeira
To the case report → MadeiraFinancing a townhouse in Câmara de Lobos
Authentic living a short distance from Funchal
To the case report → MadeiraFinancing a villa in Ponta do Sol
Living on Madeira's sunny side with long-term planning
To the case report → MadeiraFinancing a genuine finca in Calheta
Living permanently in the rural west of Madeira
To the case report →Portugal-Festland
Financing a detached house in Braga
Family life in one of Portugal's most dynamic cities
To the case report → Portugal-FestlandFinancing an apartment in Porto
Urban living with a long-term perspective
To the case report → Portugal-FestlandFinancing a townhouse in Lisbon
Combining historic architecture and modern living
To the case report → Portugal-FestlandFinancing an apartment in Cascais
Living close to the coast with well-considered overall financing
To the case report → Portugal-FestlandFinancing a villa in Sintra
Historic setting and modern living in the countryside
To the case report → Portugal-FestlandFinancing a terraced house in Coimbra
A historic university city as a new centre of life
To the case report → Portugal-FestlandFinancing a detached house in Évora
Living in the heart of the Alentejo with long-term planning
To the case report → Portugal-FestlandFinancing an apartment in Aveiro
Modern living between canals and the Atlantic
To the case report →Information
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Every financing in Spain and Portugal 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 · Siegfried Perini, BAFA-notified for the cross-border activity of the owner Olga Nikushkina · §34i GewO · no tax or legal advice · no financing commitment; conditions depend on creditworthiness, loan-to-value and bank