Real transactions facilitated through our specialist partners across Spain — from private residential acquisitions and holiday homes to development finance, bridging and refinance. Select any case to read the full brief.
In short
What Spanish property finance has Clifton International helped facilitate?
Clifton International helps international clients find mortgages, bridging, development finance and refinance through specialist partners. The case studies below cover transactions facilitated across Estepona, Marbella, Ibiza, Mallorca, Madrid, the Costa Blanca and Andalusia, ranging from roughly EUR 230,000 to over EUR 5m, at loan-to-values commonly between 40% and 70%.
Cases cover residential purchase, holiday homes, development exit, capital raise and refinance.
Clients include US, UAE, UK and European buyers, both resident and non-resident in Spain.
Bridging cases have completed in as little as six days where the legal file was ready.
Each case study sets out the challenge, the structure agreed and the outcome for the client.
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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.
Property value
€1,600,000
Loan to value
70%
Client
UK tax resident
Outcome
The specialist Spanish mortgage partner secured the required financing after the lender reviewed the client's employment, affordability, assets, documentation and proposed ownership structure.
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.
Property value
€750,000
Loan to value
70%
Clients
UK residents, joint
Outcome
The specialist Spanish mortgage partner secured the required financing, enabling the clients to proceed with the holiday-home purchase while retaining their financial and employment base in the United Kingdom.
€2.2m 15-year interest-only refinance of an unencumbered €4m Andalusian estate — releasing working capital for a UK business acquisition without disposing of the asset.
Property value
€4,000,000
Loan amount
€2,200,000
LTV
55%
Outcome
Business acquisition completed on schedule; family retained the estate.
€3.9m 20-year interest-only mortgage for a HNW UK client acquiring a €6.5m Ibiza cliffside villa — private bank comfortable with seasonal short-let income.
Purchase price
€6,500,000
Loan amount
€3,900,000
LTV
60%
Outcome
Purchase completed pre-summer; property let successfully in inaugural season.
€6m 18-month development exit bridge with interest retained, allowing a Costa Blanca developer to sell 14 completed units at target values without discounting.
Loan amount
€6,000,000
LTV
60%
Term
18 months
Outcome
Units sold at asking values; bridge repaid ahead of maturity.
€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.
Loan amount
€300,000
OMV range
€700k – €800k
Term
12 months
Outcome
Purchase completed in September 2026; clients exited via a Spanish mortgage refinance within the 12-month term.
£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.
Loan amount
£1,480,000
Security value
£2,300,000
LTV
~70%
Outcome
Funds delivered in 6 working days; Spanish villa purchase completed on time and the previous bridging facility repaid in full.
€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.
Loan amount
€3,000,000
LTV
60%
Term
12 months
Outcome
Funds released to complete the London development works; bridge to be repaid within the 12-month term via sale of the Ibiza property.
€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.
Asset value
€4,500,000
Loan amount
€3,620,000
Interest rate
13.00% p.a.
Outcome
The bridge completed within weeks of instruction, enabling the buyer to secure the villa on schedule. The facility was later refinanced to a longer-term mortgage once the acquisition settled.
€5.1m mortgage-backed credit line completed on a €10.7m prime Madrid home — repaying a €1.6m bank mortgage and releasing liquidity for professional investment.
Appraised value
€10,700,000
Existing mortgage
€1,600,000
Facility
€5,101,902
Outcome
The existing Spanish bank mortgage was repaid in full and the released liquidity was deployed into the client's professional investment strategy, with the conservative LTV preserving flexibility for a future bank refinance or sale exit.
Completed €357,798 private mortgage enabling tenants in Jávea to exercise their purchase option after Spanish banks declined — closed in under three months.
Loan principal
€357,798
Liquidity requested
€329,313
Interest rate
13.50% p.a.
Outcome
Fully negotiated, signed and completed. Final administrative steps to release the sellers' existing mortgage were handled in parallel, and the purchase option was exercised in under three months from first approach.
Successful mortgage
