Equity Release Secured Against Spanish Residential Property

Unlock capital from a property you already own — from €250k to €10m or more, up to 50% of market value, arranged through our private funding network.

Monec arranges equity release loans — bridge financing secured by a first mortgage on a Spanish residential property you already own. Loans range from €250k to €10m or more, up to 50% of market value, priced typically at 8–12% per annum, and usually complete in 2–4 weeks. It is common for the loan to also repay existing charges at completion — outstanding IBI, other debts or a small existing mortgage — with the new lender taking first rank. The capital is yours to deploy without selling the property.

When equity release is the right tool

An equity release loan turns property value into working capital while you keep the asset. Typical situations we handle:

Business or personal liquidity — capital for a business need or an opportunity, without selling the property.
Settling debts and charges — repaying outstanding IBI, tax debts or other charges against the property — one of the most common situations we see.
Funding a new acquisition — releasing capital from one property to purchase another before an asset sells.
Pre-sale renovation — funding works that lift the sale value of a prime property before it goes to market.
Special situations — complex ownership structures, non-resident owners, 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 equity release 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, an equity release typically closes in 2–4 weeks — valuation, legal review and notary scheduling set the pace. This is a term loan with a defined exit; we do not offer reverse mortgages (hipoteca inversa).

LOAN SIZE

Ranges from 250K to 10M EUR or more

LOAN PERIOD

Usually between 6-24 months

LOAN-TO-VALUE

Up to 50% of the property’s market value, varying by project and funder

INTEREST

Typically 8-12% per annum; monthly payments preferred, payment in kind or full bullet payments negotiable in certain cases

COLLATERAL

Secured with a first mortgage on the property; existing charges can commonly be repaid at completion

REGULATORY COMPLIANCE

All required licenses must be current and in place

BORROWER

Should be a Spanish company, though non-Spanish final beneficiaries are acceptable

High-end residential villa in Southern Spain suitable for bridge lending and equity release

How we work on a mandate

Understand the situation

A focused first conversation: the property, the need, the exit. We tell you honestly whether the financing 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 — including repayment of any existing charges at completion, acting solely on your side of the table.

Frequently asked questions

How does equity release work in Spain?

A loan secured by a first mortgage on a property you own: you receive capital now and repay from a sale, refinancing or other defined exit, usually within 6–24 months.

How much capital can I release?

Up to 50% of the property’s market value, typically between €250k and €10m or more.

Does the property need to be free of charges?

No. It is common for an equity release to also repay existing loans and other charges at completion — outstanding IBI, tax debts or a small existing mortgage — with the new lender taking first rank.

Is this a reverse mortgage (hipoteca inversa)?

No. We do not offer reverse mortgages. Our equity release is a term bridge loan with a defined exit, normally repaid within 6–24 months from a sale or refinancing.

What interest rates apply?

Typically 8–12% per annum, depending on loan-to-value, asset quality, term and structure.

How fast can the money be available?

Typically 2–4 weeks from complete documentation to drawdown, depending on valuation, legal review and notary scheduling.

Can foreigners release equity from Spanish property?

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.