Bridging — Costa del Sol
Short-term, asset-backed bridging facilities on prime Costa del Sol property — from Marbella's Golden Mile through Estepona and Sotogrande — for time-critical purchases, refinance and cash-out.
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Last updated Reviewed by our Clifton International finance team.
In short
Bridging on the Costa del Sol is short-term lending secured on Marbella, Estepona, Sotogrande and Málaga property, typically up to 65% of open-market value at 0.7–0.9% per month. Transactions commonly complete in three to six weeks against a clean title and a defined exit.
At a glance
Figures reviewed:
Indicative figures for guidance only, correct as at October 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 in the Costa del Sol when the deadline is the binding constraint; use a term mortgage when time allows and income is straightforward to evidence.
| Feature | Bridging finance | Standard Spanish mortgage |
|---|---|---|
| Speed to funds | 2 – 6 weeks | 8 – 14 weeks |
| Pricing | 0.7% – 0.9% per month | Circa 4% – 6% per year |
| Term | 3 – 24 months | 5 – 25 years |
| Max LTV | Up to 65% of value | 60% – 70% for non-residents |
| Income testing | Light — asset and exit led | Full affordability and debt-ratio assessment |
| Corporate / SPV borrowers | Straightforward | Case-by-case |
| Property condition | Rustic, unfinished and non-standard accepted | Must be mortgageable and registered |
| Exit | Sale, refinance or mortgage take-out | Amortised over the term |
Swipe the table sideways to see all columns.
Indicative from-rates for prepared cases. Spanish transaction costs and taxes sit outside the loan and are typically 10% – 14% of price.
Local data
Price data
Transfer tax in Spain is set by each autonomous community, not centrally — the same €1m purchase costs materially more in some regions than others. These are the figures that apply to a Costa del Sol purchase.
Official price per m² and purchase taxes for Costa del Sol, Q2 2026
Source for price per m²: Ministerio de Transportes y Movilidad Sostenible (MITMA), Valor tasado de la vivienda libre, Q2 2026 (published September 2026). Figures are the official average bank-valuation price of private housing (vivienda libre), in euros per m², for municipalities over 25,000 people or, where a town is not published, the province or region shown. Valuation prices usually sit below portal asking prices. Tax rates are the headline rates published by each autonomous community. Guidance only — not tax or legal advice; confirm the rate applying to your purchase with your Spanish lawyer. View the official MITMA data · Compare all 30 Spanish locations · Data disclaimer · How we compile these figures.
Popular Spain finance
Why clients choose us
Regular experience on Golden Mile, La Zagaleta, Sierra Blanca and Sotogrande transactions above €3m.
Facilities drawn in 3–6 weeks for auction, off-market and chain-break scenarios in Marbella and Estepona.
Bridge developer handover payments on Costa del Sol off-plan villas ahead of a long-term Spanish mortgage.
Use existing UK, Irish, Nordic or international property to raise capital and complete faster on the Costa.
Structured facilities on larger estate purchases with equestrian, polo and land components.
Release equity from an owned Costa del Sol villa for refurbishment, portfolio moves or business use.
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.
Recent transactions
Published transactions from our own case study library — select any to read the full brief.
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.
Estepona · Non-Resident Mortgage
€1.6m purchase · 70% LTV · primary residence
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.
Marbella · Dutch Buyer Mortgage
€1.2m purchase · €840,000 mortgage · 70% LTV
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.
Frequently asked
Well-prepared purchases in Marbella, Estepona and Sotogrande typically draw down in 3–6 weeks, subject to valuation and Spanish legal due diligence.
Yes — bridging is regularly used to secure land or a completed villa ahead of a long-term mortgage or resale on the Golden Mile, La Zagaleta and Sotogrande.
Yes. Cross-collateralised structures raise capital against a property in the UK, Ireland, Northern Europe or another jurisdiction to complete quickly in Spain.
Typically up to 65% of open-market value, with higher effective advances possible where an additional Spanish or international asset is offered as security.
Refinance onto a Spanish non-resident mortgage, sale of the property in an orderly window, or sale of another asset within the facility term.
Local coverage
Fuengirola, Mijas, Benalmádena, Marbella and Estepona. We also arrange bridging finance across the neighbouring areas below — one adviser, one conversation, whichever location you buy in.
Nearby covered areas
Not listed? We cover all of mainland Spain, the Balearics and the Canaries — tell us the town and we will confirm lender appetite.
Also in Costa del Sol
Many buyers bridge to complete quickly, then refinance onto one of these mortgages.
Long-term Spanish mortgages across the Costa del Sol — Marbella, Estepona, Sotogrande and Málaga, with indicative rates and LTVs.
Senior development debt across the Costa del Sol — villa schemes, apartment blocks and land-led projects with staged drawdowns.
Currency exchange
When completion is weeks away, the euro balance, fees and taxes still have to arrive on time. We can introduce you to a currency specialist alongside your bridging enquiry so the funds land for the notary without a last-minute bank rate.
Clifton introduces clients to a specialist currency partner and does not hold, convert or transfer client funds.
Explore the currency service
Related coverage
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 moreShort-term funding for acquisitions, auctions, chain-breaks and development exits.
Learn moreReady to explore your options?
Fast, discreet bridging on Marbella, Estepona and Sotogrande property. A specialist will call back within one working day with indicative terms and next steps.