€840,000 Spanish mortgage for a Dutch entrepreneur, Marbella
€1.2m purchase · €840,000 mortgage · 70% LTV
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In short
How was €840,000 Spanish mortgage for a Dutch entrepreneur, Marbella financed?
Clifton International helped arrange a Spanish non-resident mortgage for a Dutch entrepreneur buying in Marbella — €1.2m purchase, €840,000 mortgage, 70% LTV. A €840,000 Spanish mortgage at 70% LTV against a €1,200,000 Marbella residential property, with the client contributing €360,000 plus purchase costs.
- Location: Marbella, Costa del Sol. Finance type: Spanish non-resident mortgage.
- Headline terms: €1.2m purchase · €840,000 mortgage · 70% LTV.
- A successful Dutch entrepreneur had found a €1.2m home in Marbella. He could have bought outright, but wanted to keep capital working in his business and investment portfolio, so he asked for 70% LTV finance. Higher-LTV finance for non-resident buyers in Spain is harder to secure than for residents, and lenders look closely at international income structures, business ownership, cross-border assets and liabilities, tax residency, and the source of wealth and deposit funds.
- The purchase completed smoothly. Financing at 70% LTV let the client buy his Marbella home while keeping substantial capital invested elsewhere, in line with his wider wealth strategy.
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- Property value
- €1,200,000
- Mortgage amount
- €840,000
- Loan to value
- 70%
- Client contribution
- €360,000 + costs
- Client
- Dutch entrepreneur
- Location
- Marbella, Costa del Sol
Spanish mortgage in Marbella for a Dutch buyer
Marbella is one of the Costa del Sol's most sought-after markets for buyers from the Netherlands and northern Europe, and prime homes here are often bought with finance even when the buyer could pay cash.
- Challenge
- A successful Dutch entrepreneur had found a €1.2m home in Marbella. He could have bought outright, but wanted to keep capital working in his business and investment portfolio, so he asked for 70% LTV finance. Higher-LTV finance for non-resident buyers in Spain is harder to secure than for residents, and lenders look closely at international income structures, business ownership, cross-border assets and liabilities, tax residency, and the source of wealth and deposit funds.
- Solution
- Using our network of specialist Spanish lenders and international private banking contacts, we found a lender able to understand entrepreneurial income and take a pragmatic view of the client's overall wealth. We presented his business income, assets and liquidity as one complete picture so the lender could fully assess his circumstances.
- Funding structure
- A €840,000 Spanish mortgage at 70% LTV against a €1,200,000 Marbella residential property, with the client contributing €360,000 plus purchase costs.
- Outcome
- The purchase completed smoothly. Financing at 70% LTV let the client buy his Marbella home while keeping substantial capital invested elsewhere, in line with his wider wealth strategy.
Why a cash buyer chose a mortgage
The client had enough liquidity to buy outright, but tying up €1.2m in one property would have reduced the capital available for his business ventures and future investments. A mortgage kept that flexibility.
What Spanish lenders checked
For a non-resident business owner, the lender needed a clear view of how income is earned and where the deposit comes from.
- International income structures
- Business ownership arrangements
- Cross-border assets and liabilities
- Tax residency status
- Source of wealth and deposit funds
What this means for other Dutch buyers
Dutch entrepreneurs, DGAs with a BV and self-employed buyers can often secure 60–70% finance in Spain when business income, assets and liquidity are well documented. Spanish mortgage completions typically take 8–14 weeks; each case depends on the lender's own assessment.
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- 8–14 weeksTypical completion
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