Equity Release
Unlock capital tied up in a Spanish property without selling — for reinvestment, business, family planning or lifestyle purposes.
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Last updated Reviewed by our Clifton International finance team.
In short
Yes. Owners of unencumbered or lightly mortgaged Spanish property can typically release up to 65% of current market value while keeping full ownership and future upside. Funds can be used broadly — reinvestment, business capital, family gifting or lifestyle.
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
Releasing equity keeps the asset and its upside; selling converts the whole value but triggers costs and taxes.
| Option | Capital available | Ongoing cost | Asset retained | Time to funds |
|---|---|---|---|---|
| Equity release / refinance | Up to 65% of value | ~4–6% p.a. | Yes | 8–12 weeks |
| Bridging | Up to 65% of value | 0.7–0.9% pcm | Yes | 2–6 weeks |
| Sale of the property | 100% less costs | None | No | 3–6 months |
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
Access capital while retaining full ownership, use and future upside of the property.
No restriction on how released capital is deployed — investment, business, gifting or lifestyle.
Preserve monthly cashflow with interest-only facilities over long terms.
Release equity across a portfolio of Spanish assets in a single structured facility.
Introductions to intermediaries with access to Spanish and international lenders offering equity release-style facilities.
One international specialist managing the entire process discreetly and professionally.
Borrower eligibility
Typical lending criteria
Indicative only. Actual terms depend on borrower profile, asset and lender criteria.
Recent transactions
Published transactions from our own case study library — select any to read the full brief.
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.
Murcia · Non-Resident Mortgage
€750k purchase · 70% LTV · holiday home
A 70% LTV Spanish mortgage was secured through a specialist partner for UK-resident joint applicants — one salaried, one long-established self-employed — buying a €750k holiday home on a Murcia golf resort.
Marbella · Residential
€3.24m · 60% LTV · interest-only
€3.24m interest-only facility for a UK technology entrepreneur acquiring a €5.4m front-line beach villa in Marbella — application to offer in 4 weeks.
Frequently asked
Typically up to 65% of current market value, subject to affordability and lender criteria.
Broadly anything lawful — investment, business, family gifting, lifestyle or reinvestment.
Yes, most lenders require evidence of affordability. Asset-backed structures are available for HNW borrowers.
Debt secured against a Spanish asset can, in some cases, be efficient for succession planning. Take specialist tax advice.
Spanish inheritance tax falls due within six months of death, and the property cannot be mortgaged or sold until the heirs are registered on title. Equity release, refinancing and bridging are the routes heirs use to settle the bill without a forced sale — and the amount due varies enormously by autonomous community.
Read the Spanish inheritance tax & succession guide for non-residentsRelated services
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A discreet, no-obligation conversation with an international specialist with deep expertise in the Spanish lending landscape for US, UAE, UK and European buyers.