We offer you Bridging Loans against your Spanish property  by establishing a mortgage from 1 to 10 years at the most competitive market rates.                         With Interest only payments.

This allows you to release equity from your Spanish property , you can use the funds for any purpose be it debt consolidation or refurbishment of your Spanish property or simply releasing the negative equity in your property.

Equity release in Spain is not being offered by the Spanish High Street Banks .

Banking with us allows you to turn the negative equity tight up  in your Spanish property into funds which you can use according to your necessities .

We can also leverage the purchase of your Spanish Property with our mortgage package.

We are fully regulated by the Banco de España thus being able to offer the mortgage flexibility allowed within the Spanish mortgage law.

We make no distinction if the property is held in a personal name or company structure.

Although the equity release or simply capital raise against your Spanish mortgage is contemplated and fully legal within the new mortgage law , the High Street banks do not offer those options as they prefer to lend against your personal income and the property you acquire without contemplating that temporary circumstances of your income or simply your debt to income ratio may require the mortgage solutions offered by us.

Or especially to give people who do not fulfil the age requirements set by the Banks to opt for Mortgages or Life Time Equity Release.

AGF is a fully Licenced Lender with the Bank of Spain and all of its Staff meets all the required permits under the new Mortgage Law 05/2019.

AGF is no intermediary we work with our own Funds which allow as the high flexibility in every individual case and the swift
response.

We know that our customers are looking for options of Intrest only flexible payments, which are absolutely contemplated within the new mortgage law in Spain, yet the High Street Banks stick to Intrest and Capital repayment only.

Do not hesitate to call or email us for a swift assesment of your case which will be processed swiftly under the highest
confidentiality.

Check the points below as those are today’s requirements by the High Street lenders:

• The correct age.
• Have enough demonstrable income over a long period of time to service the mortgage.
• The right residential status or nationality.
• Clear of any outstanding debts for example, community charges, debts with your local taxes
  and that you have no arrears with any previous loans, mortgages or credit commitments.
• Have a perfect credit score.
• Your property is NOT classed as built on rustic land

If you don’t comply with the above, you need to speak to AGF Financiera

We will analyse your situation in order to offer Bespoke Solutions for your financial needs.

Be it to prevent defaulting on payments such as Council tax (IBI), Community fees, Tax Bills Or be it to give you the opportunity to finish your project

Renovate your property to increase its Value

Adapt your property so that it can be used to earn you money e.g. Holiday rentals

Finish a construction which ran over Budget

Turn your Finca Rustica into a small farm or recreational facility

Or simply get yourself some breathing space whilest selling your property

Those examples are actual projects we have financed over the last years.

We accompany our customers throughout the whole process with our professional advice in order to turn your project into a success.