Bridging — Property Purchase
Short-term facilities to acquire Spanish property quickly — for auction purchases, off-market opportunities, chain-breaks and any transaction where a term mortgage cannot complete in the required window.
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Last updated Reviewed by our Clifton International finance team.
In short
Yes. Bridging lets you complete a Spanish purchase in two to six weeks, secured on the property being bought or on another asset, typically up to 65% of value at 0.7–0.9% per month. It is then repaid by a sale or by refinancing onto a standard Spanish mortgage.
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 in Spain 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.
Popular Spain finance
Why clients choose us
Facilities drawn in weeks rather than months — critical when a vendor requires fast, certain execution.
Complete within tight auction or private-sale deadlines with a defined refinance route on the other side.
Bridge the gap between purchase and the sale of an existing asset without losing the target property.
Focus on the property, exit strategy and sponsor profile rather than complex income documentation.
Use existing Spanish or international property to increase leverage or reduce the cash requirement at completion.
Refinance onto a Spanish non-resident mortgage or realise the sale of another asset within the facility term.
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.
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
Well-prepared purchase bridges typically draw down in 3–6 weeks from heads of terms, subject to valuation and Spanish legal due diligence.
Most lenders fund up to 65% of open-market value. Where an existing Spanish or international asset can be cross-collateralised, higher effective advances are possible.
Asset-backed structures are available where the exit is strong — such as sale of another asset, refinance onto a term mortgage, or a defined liquidity event.
Refinance onto a Spanish non-resident mortgage, sale of an existing asset, business liquidity event, or unit sales from a completed development.
Yes. Bridging is well-suited to time-sensitive purchases where a mainstream mortgage cannot complete within the required window.
Related bridging & development finance
Dedicated landing pages for each bridging use case and development stage — with typical structures, eligibility and example transactions.
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View pageSenior debt for new-build residential and mixed-use schemes with staged drawdowns.
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View pageRelated services
Purchase finance for primary residences, second homes and holiday properties across Spain.
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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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