Financing the stage payments
The Spanish bank pays at handover. We pay each instalment when it falls due.
See the structure and request the guide
Financing structures · Spain
The routes nobody offers you at the counter
Not because they are forbidden. Because the bank whose counter you are standing at does not do them. We work with lenders who do — whatever your passport. That access is the service you pay us for.
Information
The short answer. In Spain, for non-residents: the bank finances the purchase, it finances it at completion, and it lends a market-standard 60 to 70 per cent of the lower of price and valuation. Anything outside that grid — stage payments during construction, capital released from a paid-off property, German security for a Spanish purchase — fails at the branch. Not because of the case. Because of the grid.
We work on exactly those three deviations. Each has its own logic, its own conditions and its own breaking point. Each comes with a guide.
The three structures
Release capital and buy again
Your paid-off property in Spain is idle. Up to 50 % of its value can work.
See the structure and request the guideGerman property as the capital source
Up to 80 % out of the German property — as equity or purchase price in Spain.
See the structure and request the guide
A fourth route — and the one most non-German buyers need
You raise the equity at home. We finance on top.
Dutch, Belgian, British and Scandinavian buyers usually own something already — and their own bank will lend against it without much drama. What it will not do is finance the flat in Spain.
We do not arrange capital raising outside Spain, except in Germany (§ 34i GewO). Your bank or your broker at home releases the equity. We then arrange the Spanish mortgage that sits on top of it — for buyers of any nationality, under our BAFA notification.
And the mistake to avoid: releasing equity at home and paying cash in Spain. Once the Spanish property is paid for in full, only two of 15–20 lenders will lend against it for a non-resident, as a rule up to 50 % of the valuation (Perini Market Check, July 2026). Financing at the moment of purchase is the cheaper moment — and it does not come back.
Why these belong together
They look like three products. They are one situation: you have substance, but not in the shape the bank wants to see it. A plot with a building going up on it. A paid-off apartment nobody will lend against. A house in Germany that a Spanish bank cannot value.
The bracket is the licence. For the German leg § 34i GewO (mortgage credit intermediation, register no. D-W-132-ZUCB-95); for Spain and Portugal, BAFA notification for cross-border activity. So nobody here has to coordinate two advisers who each see half the case. The Spanish and Portuguese side is open to buyers of any nationality; the capital-raising leg is Germany only.
What this page does not say
Which lender does which structure. That is not coyness — it is the point. These channels took years to build, they are not advertised, and they only hold as long as they do not become mass business. You get the name when we set your case up together — not before, and not on a website.
All figures are orientation from our brokerage practice — not a commitment and not a guaranteed condition. Whether a case works depends on the property, the valuation and your standing: subject to credit assessment, case by case, no legal entitlement. Figures as at 14.07.2026.
Your case fits none of these?
Then it is probably interesting. Send us the key facts — we will tell you whether it holds before you file an application anywhere.
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