Bridging — Professional Investment
Short-term acquisition, reposition and hold facilities for family offices, private investors and funds — deploying capital into Spanish real estate ahead of longer-term refinance or sale.
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Last updated Reviewed by our Clifton International finance team.
In short
Professional investors use Spanish bridging to move at cash speed on auction, distressed and off-market stock — typically up to 65% of value at 0.7–0.9% per month for 3–24 months. Funds draw in two to six weeks, then the asset is sold or refinanced onto term debt.
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
Secured bridging against Spanish property releases materially more capital at a lower cost than unsecured business borrowing, at the price of a legal charge and a defined exit.
| Feature | Secured Spanish bridging | Unsecured / business facility |
|---|---|---|
| Typical amount | €250k – €25m | Usually under €250k |
| Pricing | 0.7% – 0.9% per month | Often 1.5%+ per month equivalent |
| Security | Charge over Spanish property | Personal or corporate guarantee |
| Speed | 2 – 6 weeks | Days, but far smaller |
| Interest treatment | Rolled, retained or serviced | Monthly servicing required |
| Underwriting focus | Asset value and exit | Trading performance and covenants |
| Term | 3 – 24 months | 12 – 60 months |
Swipe the table sideways to see all columns.
Where the asset is Spanish and the need is time-critical, a secured bridge is generally the cheaper route to size.
Popular Spain finance
Why clients choose us
Move on opportunities that require certain, fast execution — off-market, distressed or portfolio purchases.
Facilities can include a capex tranche to fund refurbishment or leasing works ahead of stabilisation.
Structured across single-asset or multi-asset purchases, including block sales and portfolio disposals.
Direct introductions to specialist Spanish and international debt funds active in the professional-investor segment.
SPV, holdco, cross-border and joint-venture structures arranged with input from Spanish counsel.
Refinance to income-producing debt, sale into a stabilised market or block sale to institutional buyers.
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.
€3m · 60% LTV · 12-month bridge
Long-standing clients needed €3m quickly to complete significant development works on their London property. Existing mortgages on the London asset ruled out further UK borrowing, and they'd identified their Ibiza residence as the only remaining security. The lending pool for bridging against overseas property is very limited, and other brokers had been unable to place the case.
Through our specialist partners, two private lenders known to lend against Spanish residential assets were approached, indicative terms were obtained quickly and the case progressed with the preferred funder. The clients moved ownership of the Ibiza property into a limited company ahead of drawdown to make interest more tax-efficient, and we coordinated with their solicitor to complete on schedule.
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.
Ibiza · Bridging
€3m · 60% LTV · 12-month bridge
€3m 12-month bridge secured against an Ibiza residence to fund development works on a London property — placed with a private lender when other brokers could not.
Frequently asked
A short-term facility used by professional investors to acquire, reposition or fund an asset where mainstream long-term debt is not immediately available or appropriate.
Family offices, private investors, funds and corporate borrowers acquiring Spanish real estate as part of a broader investment strategy.
Yes. Facilities can include a capex tranche to fund refurbishment or repositioning ahead of long-term refinance or sale.
Lenders assess the exit — usually refinance onto an income-producing facility, sale into a stabilised market, or block sale to an institutional buyer.
Pricing reflects LTV, sponsor track record, asset quality and exit certainty. Larger tickets and repeat borrowers typically achieve materially better terms.
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 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?
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