A selection of UK and Spanish finance transactions arranged by our team — private residential purchases, bridging, development and refinance across our two core markets.
What kinds of property finance transactions do we arrange?
Our case studies show completed transactions across Spain and the UK: non-resident mortgages, high-value private-bank lending, short-term bridging on auction and chain-break purchases, development and commercial facilities. Each sets out the client profile, the challenge, the structure and the outcome.
Loan sizes range from a few hundred thousand euros to eight figures.
Clients include US, UAE, UK, European and corporate borrowers.
Bridging cases typically completed in two to six weeks.
Figures are indicative and anonymised to protect client confidentiality.
United Kingdom
UK property & business finance
Bridging, high-value mortgages, commercial finance and portfolio refinance across the UK.
In this real client case, our sister brokerage, Clifton Private Finance, arranged £35,000 of second-charge finance secured on a British couple’s home in Rugby, Warwickshire to complete a Normandy property purchase before selling in the UK. One applicant was a self-employed designer working internationally. This is a relocation case, not evidence of acceptance of France-resident EUR income.
£1,200,000 remortgage · Reading former home · residential mortgage and bridge repaid
Clifton Private Finance reports a £1.2m buy-to-let remortgage for British expats living in Spain with euro salary income. Their six-bedroom former UK home with a detached annexe was retained as an investment, and the existing residential mortgage and bridging loan were refinanced before the bridge deadline. The supplied case identifies the location as Reading.
Over £1,000,000 development exit facility · existing development loan refinanced · orderly unit sales
Clifton PF International arranged a development exit facility of over £1 million for an experienced developer whose Essex residential scheme was approaching practical completion, refinancing a development loan nearing expiry and giving time to sell the units without a forced sale.
Reported £1.5m capital raised · £2.4m portfolio · share purchase
Clifton Private Finance’s March 2022 account reports £1.5m capital raised for a British national spending most of his time in Canada, buying shares in a company holding a Birmingham portfolio of shops, offices and retail showrooms valued at £2.4m.
£2m commercial mortgage · 15-year term · single charge on the London property
Clifton Private Finance’s January 2025 account reports a £2m owner-occupied commercial mortgage refinancing for a healthcare business operating from multiple UK sites: existing portfolio debt was consolidated into a single facility secured on the London property, leaving two offices unencumbered.
£380,000 capital raised · Oxford buy-to-let valued at about £1.29m · US dollar income
A married couple living in San Francisco, paid largely in US dollars, remortgaged their Oxford buy-to-let — valued at approximately £1.29 million — and raised £380,000 through a lender experienced in expat and foreign-currency income.
A 70% LTV Spanish mortgage was secured through a specialist partner for a UK tax-resident international professional relocating to a €1.6m primary residence in Estepona.
A Dutch entrepreneur secured a €840,000 mortgage at 70% LTV on a €1.2m Marbella home, keeping capital free for his business and investments instead of buying with cash.
A 70% LTV Spanish mortgage was secured through a specialist partner for UK-resident joint applicants — one salaried, one long-established self-employed — buying a €750k holiday home on a Murcia golf resort.
€2.2m 15-year interest-only refinance of an unencumbered €4m Andalusian estate — releasing working capital for a UK business acquisition without disposing of the asset.
UK second charge
