Most people believe equity release isn't possible in Spain. It is. I help property owners access the capital in their homes — without selling.
Services
Two ways I can help you
◈
Equity Release
Access cash tied up in your Spanish property without selling. Whether mortgage-free or with significant equity, you may be able to release funds directly into your account.
Available to fiscal residents of Spain only.
Learn more →
◇
Mortgage Refinancing
Paying too much on your current mortgage? Refinancing could reduce your rate, lower monthly payments, or consolidate multiple debts into one manageable figure.
Available to fiscal residents and non-residents.
Learn more →
About
A specialist in Spanish mortgage solutions
I'm Benjamin Solar, a qualified mortgage specialist based on the Costa del Sol. I work with English and Spanish-speaking property owners across Spain, helping them access financial solutions that most banks won't tell you about — and many brokers don't even know exist.
When clients come to me, they've often been told 'no' — or didn't know what was possible. I guide them through the full process, from initial numbers to funds in account.
2+
Years Experience
80%
Max LTV
EN·ES
Bilingual Service
€0
Upfront Fee
Free Assessment
Not sure if you qualify?
Fill in your details below. I'll review your situation personally and come back within 24 hours. No obligation, no cost.
Equity Release in Spain
Yes, you can release equity from your Spanish property
This is widely believed to be impossible in Spain. It isn't. Here's exactly how it works.
What It Is
Three ways to access your property's value
Refinance to a Higher Amount
Have an existing mortgage with equity built up? We can refinance to a higher amount. The difference between old and new mortgage is paid directly to you.
New Mortgage on a Free Property
Own your property outright? You can take out a new mortgage against it and receive the funds directly. The stated purpose — typically renovation — must be consistent.
Debt Consolidation + Cash Release
Mortgage, personal loans, car finance — all consolidated into one larger mortgage. Clears existing debts and can release additional cash in the same transaction.
Real Examples
How this works in practice
Case 1 — Equity on Existing Mortgage
Property value€350,000
Existing mortgage€160,000
New mortgage (80%)€280,000
Cash released€120,000
Case 2 — Mortgage-Free Property
Existing debt€0
Client goal€100,000
New mortgage€100,000
Cash received€100,000
Case 3 — Consolidation + Cash
Total existing debts€230,000
New mortgage€270,000
All debts cleared✓
Cash released~€40,000
Eligibility
Who qualifies?
Fiscal resident of Spain
Owns property in Spain with significant equity
Total new mortgage within 80% LTV
Regular, verifiable income
Debt-to-income ratio within limits — your total monthly debt obligations must not exceed 35–40% of net income
The key number: total new mortgage cannot exceed 80% of the property's appraised value. If your numbers work within that cap, we have a case worth assessing.
Ready to find out what's possible?
Send me your property details and I'll run the numbers personally.
Mortgage Refinancing Spain
Is your mortgage working as hard as it could?
Many owners in Spain are locked into outdated terms. Refinancing can reduce your rate, consolidate debts, and free up cash.
Who It's For
Available to residents and non-residents
Fiscal Residents
The full range of options is open to you — equity release, debt consolidation, rate improvement, or a complete restructure. You can switch lenders, extend terms, or release cash.
Non-Residents
Not a fiscal resident but own property in Spain? You can still switch lenders to improve your mortgage terms — potentially reducing your rate or monthly payment significantly.
Why Refinance
Common reasons clients come to me
High Interest Rate
Locked into an unfavourable rate from years ago — we can usually find significantly better terms.
Multiple Debts
Car loans, personal loans, credit cards — consolidate into one monthly mortgage payment at a much lower rate.
Need Liquidity
Funding a project or investment? Refinancing can be a cost-effective route to accessing capital from your property.
Switching Lender
Your current bank may no longer be competitive. Switching is straightforward with the right guidance.
Find out what refinancing could mean for you
Share your situation and I'll come back with a clear picture of your options.
The Process
Simple, guided, transparent
I handle the complexity so you don't have to.
Step by Step
How the process works
01
Free Initial Assessment
You share your property details and financial situation — via the form on this site or directly by email. I run the numbers, check the LTV, and give you an honest view of viability within 24 hours. No cost, no obligation.
02
Case Preparation
If the numbers work, we move to case preparation. I guide you through the documentation required, structure the application correctly, and ensure everything is ready before submission.
03
Application & Bank Process
The application is submitted through our banking partner. Once underway, the bank assigns you a dedicated agent who works directly with you. I remain available throughout — chasing, advising, and keeping things moving.
04
Completion & Funds
Once approved, the mortgage completes at the notary. Existing debts are cleared and any cash release is deposited directly into your account. My fee of €1,800 is payable on completion — nothing upfront.
Fees
Clear, fixed pricing
€1,800–€2,500
Service Fee
Fixed fee, payable on successful completion only. No surprises.
€0
Upfront Cost
Assessment and case review is free. You only pay when your mortgage completes successfully.
Ready to get started?
The first step is a free, no-obligation assessment.
FAQ
Common questions, honest answers
Is equity release really possible in Spain?
Yes. Despite being widely believed to be unavailable, equity release is possible in Spain through specific lenders and structures. The key requirement is that you are a fiscal resident of Spain. If you meet that criterion and have sufficient equity in your property, the process can proceed.
What does 'fiscal resident' mean?
A fiscal resident is someone who files their Spanish tax return (IRPF) in Spain and typically spends more than 183 days per year in the country. This is distinct from legal residency. If you're unsure of your status, a local gestor or tax advisor can confirm quickly.
What is the maximum I can borrow?
The total mortgage cannot exceed 80% of the property's appraised value (LTV). So if your property is worth €400,000, the maximum mortgage is €320,000. From that, any existing mortgage balance is deducted — what remains is the cash you can receive.
I was told this isn't possible in Spain. Why are you different?
Most banks in Spain don't advertise this product, and many brokers aren't familiar with the specific route that makes it viable. I work through a specific collaboration with a major Spanish bank that allows these cases to be processed. The product exists — it simply isn't widely known.
How long does the process take?
Timelines vary depending on documentation and the bank's process. In general, allow 2–4 months from application to completion. I keep you informed throughout and follow up on your behalf.
What are your fees?
My fee is €1,800, payable on successful completion only. There is no upfront cost, and no charge if the application is unsuccessful. The initial assessment is always free.
Can I use the funds for anything?
The stated purpose of the mortgage needs to be consistent — typically renovation or property improvement. The funds themselves, once released, are yours. We discuss the appropriate framing for your specific case during assessment.
Does this work for non-residents?
Equity release requires fiscal residency. However, non-residents with a Spanish mortgage can still benefit — I can help you switch lenders to improve your terms and reduce monthly payments.
Still have questions?
Get in touch — I'm happy to talk through your specific situation.
Get In Touch
Let's talk about your situation
Initial assessments are always free. I'll review your case and give you an honest answer within 24 hours.
