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Welcome to the Kredit Spain Blog
Stay informed with the latest updates, tips, and insights on personal and business loans in Spain as well as the Equity Release market.
Using a Bridge Loan to Secure a Property Deal Before You Sell
In Spain’s competitive property market, timing is everything. The perfect opportunity can appear before you’ve sold your current property—leaving you stuck between missing the deal or rushing a sale at the wrong price. This is exactly where a bridge loan becomes a...
Second Charge Loans in Spain: Unlocking Equity Without Touching Your Mortgage
For many property owners in Spain, their home is their largest financial asset. Over time, as property values rise and mortgages are paid down, homeowners accumulate equity. But accessing that equity often raises an important concern: what happens to your existing...
How to Get Cash From Your Spanish Property Without Selling It
Owning property in Spain is a major asset — but many homeowners don’t realise that their house can also be a powerful source of liquidity. If you need capital for business, investment, debt consolidation, or personal reasons, selling your property is not your only...
Property Valuations in Spain: How Appraisals Drive Your Loan Amount
Getting finance against a Spanish property starts with one decisive figure: the valuation. Whether you’re pursuing a secured loan, equity release, refinance, or bridge facility, the appraisal sets your borrowing ceiling, influences pricing, and can make or break...
LTV, LTC & DSCR in Spain: Lending Ratios Every Borrower Must Know
Understanding how lenders size and price a loan is half the battle to getting approved on the terms you want. In Spain, three ratios do most of the heavy lifting: LTV (Loan-to-Value), LTC (Loan-to-Cost) and DSCR (Debt Service Coverage Ratio). Master these, and you’ll...
Renovate, Then Refinance: How to Boost Value and Release Equity
Turning a good property into a great one is often about timing, planning and finance. The “renovate, then refinance” strategy lets you upgrade your Spanish home, lift its market value, and then unlock part of that uplift as cash—without selling the asset. Done right,...
Notary, Land Registry & Taxes: The Real Closing Costs Borrowers Overlook
When you raise finance against a Spanish property—whether a secured loan, equity release or a bridge facility—the headline interest rate is only part of the story. Your true cost to close includes notary and registry fees, taxes, third-party services and lender...
Common Loan Application Mistakes in Spain—and How to Avoid Them
Securing finance in Spain can be straightforward if you know how lenders think, which documents matter most, and which product really fits your situation. Many applications fail not because borrowers are unqualified, but because they make avoidable mistakes: choosing...
Property Valuations in Spain: How Appraisals Drive Your Loan Amount
Using your Spanish property to access finance—whether a secured loan or bridging facility—starts with one critical milestone: the valuation (tasación). The appraisal determines how much you can borrow, which lender products you qualify for, and how fast you can...
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