Releasing Equity from a €4m Villa in Spain for UK Investment

Our Client

Our client, a high-net-worth individual, sought to release equity from a luxury villa in Spain, valued at approximately €4 million. The goal was to secure flexible and fast bridging finance to fund lucrative investment opportunities in the UK market. The funds needed to be unlocked quickly to allow the client to act on time-sensitive investments.

The Challenge

Despite the villa’s high value, the client faced two main challenges:

Complex Ownership Structure: The villa was held within a corporate structure, adding a layer of complexity to the lending process.

Cross-Border Financing: The client needed to leverage their Spanish property to fund investments in the UK, requiring a lender comfortable with international assets and regulations.

How We Made It Happen

To meet our client’s needs, we took a strategic and solution-focused approach:

Leveraging Our Specialist Network: We tapped into our extensive network of international lenders, identifying those with experience in cross-border finance and corporate structures. This allowed us to source a lender willing to provide the necessary bridging finance.

Tailored Financing Solution: We secured an attractive Loan-to-Value (LTV) ratio, enabling the client to release a significant portion of the villa's equity. Additionally, we negotiated a low interest rate with a flexible repayment structure to ensure the loan could be repaid comfortably once the UK investments started yielding returns.

Navigating Regulatory and Legal Frameworks: With our expertise in international finance, we navigated the regulatory and legal complexities of Spanish jurisdiction to structure a seamless loan arrangement.

The Outcome

Thanks to our specialist network and knowledge of international finance, we successfully arranged the bridging loan within four weeks. This allowed the client to release the required equity and move forward with their UK investment plans without delay. The loan was structured with no early repayment penalties, offering the client flexibility as they began to see returns on their investments.

This case highlights our ability to provide tailored, efficient, and flexible financial solutions for clients looking to leverage international assets. If you want to release equity from your international property, contact Global Bridging Finance today to see how we can help.