EQUITY RELEASE
IN SPAIN
Equity release allows obtaining liquidity from an existing real estate asset – without selling it, without changing ownership, and without altering the wealth strategy. The financial entity grants a loan secured against the property, releasing capital that can be directed toward new investments, company capex, wealth diversification, or other needs.
The conditions – LTV, interest rate, term, and amortization structure – depend on the borrower’s profile (resident or non-resident), property type, location, and the selected lender. There is no single structure: each transaction is designed based on the client’s particular situation. AVF works with private banking departments and specialist lenders to structure these transactions.
Last updated: October 2026
50+ financial institutions
WHEN EQUITY RELEASE MAKES SENSE
Reinvestment
The owner has a property with accumulated value and wants to use that capital to acquire another property, invest in a development project, or diversify into other assets – without disposing of the original property.
Company capex
A company that owns a real estate asset needs capital to fund operating or growth activities, without selling the property or modifying the ownership structure.
Wealth optimization
Releasing capital locked in a property to redistribute it within a broader wealth structure. Equity release generates a liability that can reduce the taxable base for Spain’s wealth tax.
FREQUENTLY ASKED QUESTIONS ABOUT EQUITY RELEASE
What properties are eligible?
Residential, commercial, and mixed-use properties, provided they have significant value and are unencumbered or have a low mortgage relative to value. Location and asset type influence conditions and available lenders.
Can a company apply for equity release?
Yes. It is possible for SPVs and asset holding companies. Lenders evaluate the asset, corporate structure, and shareholder solvency. Access to this type of transaction requires specialist lenders.
Does it have tax advantages?
Equity release generates a liability that can reduce the taxable base for Spain’s wealth tax. Consult your tax advisor to evaluate the implications for your specific case.
Altavista Finance structures equity release transactions on real estate assets in Spain for individuals and companies, working with private banking entities and specialist lenders. Terms depend on borrower profile, property type, and selected lender.
CONTACT US
If you have a real estate asset and want to explore options to release liquidity, we can help you understand the alternatives available for your situation.