Real Estate Lending Opportunities in Spain for Investors and Loan Providers
A steady flow of vetted, first-mortgage lending opportunities in Spain’s prime destinations — backed by a trusted local partner and a conservative loan-to-value that does not exceed 50%.
Monec brings lenders a continuous stream of high-quality real estate lending opportunities across coastal and island Spain — from Marbella and Málaga to Cádiz, up the coast to Alicante and Valencia, and Mallorca and Ibiza. Lenders receive the full interest on the loan, typically 8–12% per annum; Monec’s remuneration is a structuring fee charged in addition, not a spread taken from your return. We do the detailed groundwork and due diligence — and while temporary defaults can occasionally occur, we have never experienced a final loss of either principal or interest.
Who we work with
We are actively seeking to form new partnerships with a diverse range of financial entities with a genuine and active interest in real estate lending:
- Specialist lending companies — established bridge and development lenders looking to deploy in Spain with a local partner.
- Hedge funds and asset managers — private credit strategies seeking secured, short-duration Spanish real estate exposure.
- Family offices — direct lending with conservative collateral cover and full transparency on each deal.
- High-net-worth individuals — participation in individually selected, first-mortgage-secured loans.
A partnership with Monec means a steady flow of vetted opportunities and profitable returns from securely backed real estate loans — built to work in both directions.
What You Lend Against
Every opportunity is presented in a professional financing note: collateral, structure, exit, risks. You decide deal by deal.
Deep knowledge of the local market and a wide network make us a reliable and effective partner. Our expertise in collateral valuation, combined with strong local relationships, becomes a cornerstone of your success.
We do the detailed groundwork and due diligence, and we share the insight that helps our partners make sound decisions — then stay on the file, monitoring each loan through to repayment.
SECURITY
First-ranking mortgage on Spanish residential propertyLOAN-TO-VALUE
Conservative ratio that does not exceed 50%RETURNS
Lenders receive the full interest, typically 8-12% per annum; Monec charges a separate structuring fee in additionGEOGRAPHY
Coastal and island Spain: Marbella and Malaga to Cadiz, Alicante and Valencia, Mallorca and IbizaDUE DILIGENCE
Monec handles groundwork, collateral valuation and legal coordination on every opportunityTRACK RECORD
Temporary defaults can occasionally occur; we have never experienced a final loss of either principal or interest
How a partnership works
Define your criteria
A first conversation on ticket size, target pricing, asset preferences and risk appetite — so we only bring you opportunities that genuinely fit.
Receive vetted opportunities
Each deal arrives as a professional financing note: collateral, valuation, structure, exit and risks — the groundwork already done.
Decide deal by deal
You commit only to the loans you choose. We coordinate structuring, legal and notary through to drawdown.
We monitor to repayment
Ongoing oversight of each loan — works progress, covenants, exit — with early, direct intervention if anything drifts.
Frequently asked questions
What returns can lenders expect?
Lenders receive the full interest on the loan, typically 8–12% per annum gross. Monec’s remuneration is a structuring fee charged in addition — not a spread taken from your return.
What is the security?
A first-ranking mortgage on Spanish residential property, at a conservative loan-to-value that does not exceed 50%.
What does Monec do in the process?
Sourcing, groundwork and due diligence, collateral valuation, structuring, legal coordination, and monitoring of each loan through to repayment.
What is the track record?
While temporary defaults can occasionally occur, we have never experienced a final loss of either principal or interest.
Where are the loans located?
Coastal and island Spain — from Marbella and Málaga to Cádiz, up the coast to Alicante and Valencia, and Mallorca and Ibiza.
Borrower services: Bridge Loans · Development Finance · Equity Release · Refinancing