Bridge Loans Secured Against Spanish Residential Property
Bespoke bridge financing from €250k to €10m or more, up to 50% of market value, arranged through our private funding network — with particular strength in the prime segment.
Monec arranges bridge loans secured by a first mortgage on residential property in Southern Spain and the Balearic Islands. Loans typically range from €250k to €10m or more, run 6 to 24 months, and reach up to 50% of the property’s market value, with pricing typically at 8–12% per annum. A bridge loan usually completes in 2–4 weeks. We are an independent advisory: we structure the mandate around your situation, then match it with the right private lender from our funding network.
When a bridge loan is the right tool
A bridge loan solves a timing problem: capital is needed now, and the permanent solution — a sale, a refinancing, completion of works — comes later. Typical situations we handle:
- Equity release — unlocking capital from an unencumbered property for business or personal liquidity.
- Refinancing — replacing an expiring or unsuitable facility before a sale or long-term refinancing.
- Pre-sale renovation — funding works that lift the sale value of a prime property before it goes to market.
- Urgent, time-sensitive liquidity — where bank timelines would kill the opportunity.
- Special situations — complex ownership structures, non-resident beneficiaries, properties banks decline.
The prime market is where our work proves most valuable, because every solution there has to be carefully tailored.
Key Terms
Indicative terms for bridge financing secured against Spanish residential property. Every mandate is structured individually and final terms depend on the specific project and funder.
Interest is typically 8–12% per annum, driven by loan-to-value, asset quality, term and structure. Monthly interest payments are preferred by most funders, though payment in kind or full bullet structures can be negotiated in certain cases.
From complete documentation to drawdown, a bridge loan typically closes in 2–4 weeks — valuation, legal review and notary scheduling set the pace.
LOAN SIZE
Ranges from 250K to 10M EUR or moreLOAN PERIOD
Usually between 6-24 monthsLOAN-TO-VALUE
Up to 50% of the property’s market value, varying by project and funderINTEREST
Typically 8-12% per annum; monthly payments preferred, payment in kind or full bullet payments negotiable in certain casesCOLLATERAL
Secured with a first mortgage on the propertyREGULATORY COMPLIANCE
All required licenses must be current and in placeBORROWER
Should be a Spanish company, though non-Spanish final beneficiaries are acceptable
How we work on a bridge mandate
Understand the situation
A focused first conversation: the property, the need, the exit. We tell you honestly whether a bridge loan fits — and if it doesn’t, we say so.
Structure the mandate
We prepare a professional financing note that presents the case the way private lenders expect to see it: collateral, structure, exit, risks.
Go to the funding network
We approach the lenders whose criteria genuinely match — family offices, private funds and specialist lenders active in Spanish residential property.
Negotiate and close
We manage terms, valuation, legal and notary through to drawdown — typically 2–4 weeks — acting solely on your side of the table.
Frequently asked questions
How much can I borrow with a bridge loan in Spain?
Typically between €250k and €10m or more, up to 50% of the property’s market value. The exact amount depends on the property, the exit strategy and the lender.
How long does a bridge loan run?
Usually between 6 and 24 months. Terms are matched to your exit — a sale, refinancing or completion of works.
What interest rates do private bridge lenders charge in Spain?
Typically 8–12% per annum, depending on loan-to-value, asset quality, term and structure. Each mandate is priced individually by the lender.
How fast can a bridge loan complete?
Typically 2–4 weeks from documentation to drawdown, depending on valuation, legal review and notary scheduling.
What security is required?
A first mortgage on the property. All required licenses must be current and in place.
Can foreigners get a bridge loan in Spain?
Yes. The borrower should be a Spanish company, but non-Spanish final beneficiaries are acceptable. We regularly structure loans for international owners of Spanish property.
What areas do you cover?
Southern Spain and the Balearic Islands, with particular depth on the Costa del Sol — Marbella, Estepona, Benahavís and the wider Málaga province.
Related services: Development Finance · Equity Release · Refinancing · For Investors