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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.
How to Raise Capital in Spain as a Non-Resident Property Owner
Owning property in Spain can provide much more than a holiday home or investment asset. For many non-residents, Spanish real estate represents a significant source of untapped capital that can be leveraged to fund investments, business opportunities, property...
What Happens If You Can’t Get a Bank Loan in Spain?
Getting rejected by a Spanish bank can feel frustrating — especially when you own property, have assets, or simply need access to liquidity. But the reality is that many expats, retirees, self-employed individuals, and non-residents struggle to meet the increasingly...
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...
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