Development Finance — Land Acquisition
Funding for the purchase of consented and pre-consented development sites across Spain — structured to roll seamlessly into staged senior development finance on grant of building licence.
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Last updated Reviewed by our Clifton International finance team.
In short
Yes. Land acquisition finance funds Spanish development plots, typically at 50–60% of land value for six to twenty-four months, secured on the plot itself or on other assets. It is repaid when construction finance draws down, or from a sale of the consented land.
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.
Popular Spain finance
Why clients choose us
Facilities against sites with outline or full planning consent, and selectively where a clear planning pathway is evidenced.
Land tranches structured to redeem into a staged senior facility on planning approval, avoiding double legal costs.
US, UAE, UK and European developers welcomed — SPV and cross-border ownership structures arranged with Spanish counsel.
Stretched land funding via layered mezzanine or introductions to preferred-equity partners on select schemes.
Discreet introductions to Spanish banks, international private banks and specialist real-estate debt funds.
Indicative terms within two weeks, so vendors can be secured with confidence while due diligence completes.
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.
€4.5m · 43% LTV · 36 days to funding
A developer needed structured financing to continue the development of a residential building in a strategic location in Palma, with construction already significantly progressed and commercialisation to follow on completion.
Following a comprehensive transaction analysis covering construction progress and the asset's market value, our specialist partners structured a tailored developer loan aimed at driving project execution and its subsequent commercialisation.
Recent transactions
Published transactions from our own case study library — select any to read the full brief.
Mallorca · Development
€4.5m · 43% LTV · 36 days to funding
€4.5m developer loan at 43% LTV to complete a 6-unit residential building in a strategic Palma location. Funding delivered within 36 days.
Costa Blanca · Exit
€6m · 60% LTV · 18-month bridge
€6m 18-month development exit bridge with interest retained, allowing a Costa Blanca developer to sell 14 completed units at target values without discounting.
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.
Frequently asked
Yes — partial land acquisition facilities can be arranged through our intermediary partners against sites with outline consent or a clear planning pathway. Terms reflect planning risk, with a refinance into senior development finance on grant of full licence.
Typically 50–65% of land value on consented sites, and up to 55% where planning is still to be secured. Mezzanine or JV equity can be layered to reduce cash-in requirements.
Yes. We routinely structure combined facilities: an initial land tranche that rolls into a staged development drawdown on planning approval and building licence.
Spanish banks, international private banks and specialist real-estate debt funds. Appetite varies by region, asset class and sponsor track record — we introduce directly to those best matched to the scheme.
Indicative terms within 2 weeks; drawdown typically 8–12 weeks subject to legal due diligence, valuation and planning documentation.
Lender appetite matrix
Rustic finca / land — appetite across every buyer profile. Indicative panel appetite reviewed July 2026 — not an offer of finance.
UK buyer (non-resident)
Valuation and legal status of rustic land narrows the panel sharply.
UK buyers & rustic land guideUS buyer (non-resident)
Effectively a private-lender or cash purchase with later refinance.
Buyer guideUAE / GCC-based buyer
Rustic classification plus a non-EU profile leaves private routes only.
Buyer guideEU buyer (non-resident)
Possible where the plot is registered with a habitable dwelling.
Buyer guideSwiss / Norwegian buyer
Same rustic constraints as any non-resident buyer.
Buyer guideSpanish resident / fiscal resident
Achievable where the finca is legally registered and habitable.
Corporate / SPV purchase
Development or private-lender routes rather than a term mortgage.
Buyer guideRelated 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 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
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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?
A discreet, no-obligation conversation with an international specialist with deep expertise in the Spanish lending landscape for US, UAE, UK and European buyers.