Commercial Finance Spain

These are types of commercial finance in Spain  used to fund the acquisition or refinance of commercial property. They can be used to fund a wide variety of property types including full commercial or mixed-use properties and even land. Spain commercial mortgage lenders tend to take an individual view to assessing applications, meaning criteria is often more flexible. This allows lenders to consider a wide variety of ‘out of the ordinary’ scenarios without issue.

Key Benefits of Commercial Finance In the Spain

There are several key benefits to taking out a commercial mortgage, including:

  • The interest paid is tax-deductible.
  • This type of lending is much more flexible than it was a few years ago due to the rise of  Spain challenger banks.
  • Using this type of mortgage to purchase commercial property could see you benefit from increases in the property value.
  • Investing in commercial property in Spain could produce higher yields than investing in residential property

Commercial Mortgage Rates for the Spain

We offer market-leading terms for almost every situation in The Spain:


  • Low Rates from 2.25% dependent on lender
  • Borrow up to 80% Loan To Value (LTV) in some cases
  • Fixed and variable rates available
  • Interest-only or capital repayment
  • 5 to 7 Years terms
  • EUR250k minimum loans up top EUR200m syndicated

Commercial Investment Mortgages Spain

  • Rates from 2.85%
  • Up to 75% LTV
  • Commercial or mixed-use properties
  • Borrow for up to 7 years
  • Interest-only or capital repayments
  • EUR250k minimum loans up top EUR200m syndicated

Spain Commercial Property Portfolio Financing and Refinancing

  • Finance existing properties simply and on a customised basis
  • Offices, retail, logistics, residential or other asset classes: financing portfolio properties is a complex matter.

So it’s good when your broker makes things simple for you.

We offer a totally transparent service, providing expert advice and giving you the information that you require to compare the latest rates and choose the right product.

What Fees Will I Have To Pay for Commercial Finance in The Spain?

We work hard to save you money on your commercial mortgage application. It’s not usually possible to avoid all fees, below are some of the common fees you can expect to pay:

Lender Arrangement Fee For The Spain

Arrangement fees are often charged as a percentage of the loan. Lender arrangement fees range from 1-2% but are usually between 1.5-2%. Although some lenders will expect some of the fee to be paid on offer, it may be possible to add the fee to the loan but all lenders have different policies and terms.

Broker Fees For Spain

Most brokers will charge broker fees for arranging. This is often upwards of 1% to 2% of the loan.

Some will also charge an upfront administration fee before working on your application. We never charge upfront fees to work with you on your application.

Valuation Fees For Spain

As with a residential mortgage valuation, a valuer will inspect the property and produce a commercial valuation report report for the lender. The fee is usually paid partway through the process. This is before the offer and the cost will vary based on the type, value and location of the commercial property in Spain.

Legal Fees For Spain

Lenders will expect you to cover both your own and their legal fees concerning the loan. The cost of legal work is higher for commercial financing in Spain than for residential. The fees charged will vary depending on the loan size, property value and complexity of the transaction. Legal fees are usually quoted on a case by case basis.

Spain Lenders Also Finance Other Countries

Are you looking to finance a property abroad? We can also arrange commercial finance for Germany, the UK, Benelux, Austria, Switzerland, Poland, the Czech Republic, Italy, Spain, Sweden or the USA?

We have an extensive network of banks, investment funds, family offieces and non banks in Spain and local specialists that we work with hand in hand.

Then talk to us about a real estate loan

Range of Options From The Spain Commercial Finance Lenders

Our advisors develop a special financing solution for each real estate project, which we can implement for you in the shortest possible time. Your contact person is responsible for the entire business process, from the project initiative to the feasibility study to the planned marketing or transfer to your inventory.

From classic fixed-rate loans to structured financing, we offer you all common loan formats based on the money and capital markets: annuity loans, interim construction financing, current account credit and additional guarantees and derivatives.

For complex transactions, we have strong consortium partners at our disposal.

We support you beyond real estate financing and are available to you with our entire commercial financing product range.

Spanish Cities We Can Help Finance

We can finance a large number of cities through our network of lenders including:





Balearic Islands

Canary Islands




Plus many more of the smaller Spanish cites


Commercial Finance Spain October 6, 2020