Bridge Finance
Time-critical bridging facilities secured against Spanish property — for acquisitions, refinance windows, development exits and asset repositioning.
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Last updated Reviewed by our Clifton International finance team.
In short
Bridging finance is short-term, asset-backed lending secured on Spanish property, typically for 3–24 months at 0.7–0.9% per month up to 65% LTV. It is used when speed matters more than cost — auctions, chain breaks, refurbishment or a purchase that must complete before a mortgage can be arranged.
At a glance
Figures reviewed:
Indicative figures for guidance only, correct as at July 2026. Rates, costs and timelines vary by lender, borrower profile, asset and jurisdiction, and are not an offer of finance. How we derive these figures.
Last reviewed . Read the full Key facts methodology, or speak to our team for a quote based on your circumstances.
At a glance
Use bridging when the deadline is the binding constraint; use a mortgage when time allows and income is easy to evidence.
| Feature | Bridging | Standard mortgage |
|---|---|---|
| Speed to funds | 2–6 weeks | 8–14 weeks |
| Pricing | 0.7–0.9% pcm | ~4–6% p.a. |
| Term | 3–24 months | 5–25 years |
| Max LTV | Up to 65% | 60–70% |
| Income testing | Light — asset and exit led | Full affordability assessment |
| Corporate / SPV borrowers | Straightforward | Case-by-case |
Swipe the table sideways to see all columns.
Indicative figures only. Actual terms depend on borrower profile, asset and lender criteria.
Popular Spain finance
Why clients choose us
Facilities structured and drawn in weeks rather than months for time-sensitive opportunities.
Bridge into new purchases or refinance an existing facility ahead of a longer-term solution.
Refinance completed development into a longer-term hold facility to release pressure on sales pace.
Use existing Spanish or UK property as security to accelerate execution.
Interest rolled, retained or serviced — structured to match your exit strategy.
Direct lender introductions with confidentiality preserved throughout.
Borrower eligibility
Typical lending criteria
Indicative only. Actual terms depend on borrower profile, asset and lender criteria.
Case studies
Real deals arranged — with the scenario, the structure and the outcome. Every transaction is different; these illustrate how we think.
€300k bridge · 12-month term · interest retained
UAE-based British citizens needed short-term funding to secure a holiday home in Javea at below market value, with the intention to refinance onto a longer-term mortgage once the purchase completed.
We introduced a Spain-based private funder who provided a 12-month bridge, structured against the estimated open-market value and with a clear refinance exit.
£1.48m · ~70% LTV · funded in 6 working days
Long-standing clients had originally used a £170k bridging loan secured against their £2.5m UK home to fund the 10% deposit on a Spanish villa, with the exit being the sale of the UK property. When the UK sale collapsed at the last minute and a replacement lender withdrew, they had just 6 working days to clear the full balance on the Spanish purchase — a regulated re-bridge, with minor credit issues and a down-valuation pushing the LTV over 70%.
Working with our specialist partners, a lender we hold a strong relationship with was approached, a fully packaged application was submitted within hours and a fast-tracked full valuation was arranged and used search indemnity insurance to remove time-cost from legals. All parties — lender, valuer, both sets of solicitors and the client — worked in lockstep to hit the deadline.
Recent transactions
Published transactions from our own case study library — select any to read the full brief.
Javea · Bridge Finance
€300k bridge · 12-month term · interest retained
€300k 12-month bridge for UAE-based British buyers to secure a Javea holiday home at below market value — exited via a Spanish mortgage refinance within term.
Spain · Bridge Finance
£1.48m · ~70% LTV · funded in 6 working days
£1.48m regulated re-bridge against a UK home delivered in 6 working days after a chain collapse — Spanish villa purchase completed on time and existing bridge repaid in full.
Benahavís · Bridge Finance
€3.62m · 13% p.a. · 18 + 6 months
€3.62m first-charge bridge arranged in weeks on a €4.5m Benahavís villa, underwritten purely on the asset and completed in time for the acquisition.
Frequently asked
For well-prepared applications, drawdown in 4–8 weeks. Faster in exceptional cases.
Sale of the asset, refinance onto a long-term facility, or a defined liquidity event with strong evidence.
Asset-backed structures are available where the exit is strong and the LTV conservative.
Interest can be serviced monthly, retained upfront or rolled to the facility end — depending on cashflow preference.
Related bridging & development finance
Dedicated landing pages for each bridging use case and development stage — with typical structures, eligibility and example transactions.
Time-critical acquisitions, auction, off-market and chain-break completions.
View pageRefinance existing Spanish debt, cancel embargoes and restructure onto cleaner terms.
View pageRelease equity from Spanish real estate to fund operating capital or growth.
View pageFast cash advance against Spanish property with a defined exit route.
View pageShort-term facilities for professional investors executing on Spanish opportunities.
View pagePartial land funding on consented and pre-consented sites, rolling into senior debt on planning grant.
View pageSenior debt for new-build residential and mixed-use schemes with staged drawdowns.
View pageRefurbishment and repositioning finance for existing Spanish buildings.
View pageFinance for schemes already under construction — completion funding and stretched senior.
View pageRelated services
Purchase finance for primary residences, second homes and holiday properties across Spain.
Learn moreSenior debt and stretched-senior facilities for residential and mixed-use schemes.
Learn moreInvestment and owner-occupier funding for offices, hospitality, retail and logistics.
Learn moreImproved terms, capital raising and exit refinance for maturing Spanish facilities.
Learn moreReady to explore your options?
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