{"id":1451,"date":"2026-06-18T11:14:23","date_gmt":"2026-06-18T09:14:23","guid":{"rendered":"https:\/\/altavistafinance.com\/?page_id=1451"},"modified":"2026-10-16T18:34:03","modified_gmt":"2026-10-16T16:34:03","slug":"empresas","status":"publish","type":"page","link":"https:\/\/altavistafinance.com\/en\/services\/mortgages\/empresas\/","title":{"rendered":"Company mortgages"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1451\" class=\"elementor elementor-1451 elementor-1450\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62429f12 e-con-full hipotecas-hero-container e-flex e-con e-parent\" data-id=\"62429f12\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-235c0ca4 e-grid hipotecas-hero-grid e-con-boxed e-con e-child\" data-id=\"235c0ca4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20582c01 hipotecas-hero-grid-imagen elementor-widget elementor-widget-image\" data-id=\"20582c01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"395\" height=\"445\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/06\/asesorar-2-mal.jpg\" class=\"attachment-large size-large wp-image-3312\" alt=\"Edificio\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/06\/asesorar-2-mal.jpg 395w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/06\/asesorar-2-mal-266x300.jpg 266w\" sizes=\"(max-width: 395px) 100vw, 395px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bd81127 hipoteca-banner-sello elementor-absolute elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"6bd81127\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"152\" height=\"156\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/home-banner-sello.svg\" class=\"attachment-large size-large wp-image-246\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53a63806 home-banner-big-title elementor-widget elementor-widget-heading\" data-id=\"53a63806\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">COMPANIES<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28780db8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"28780db8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Companies acquiring property in Spain\u2014property-holding companies, limited liability companies (SL), corporations, developers, and special purpose vehicles (SPVs)\u2014can access mortgage financing on terms that differ substantially from mortgages for individuals. Typical LTV ranges from 50% to 70%, terms are usually 15 to 25 years, and credit assessment is based on the company&#8217;s financial statements, the guarantee structure, and, in most cases, the creditworthiness of shareholders or guarantors.<\/p><p>Financing through a company can offer significant benefits in terms of tax efficiency, asset protection, and investment structure. But access to financing is more restrictive: not all institutions work with legal entities, and those that do apply different assessment criteria. Altavista Finance knows which institutions finance each type of corporate structure and on what terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-249dc053 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"249dc053\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#283843\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">GET IN TOUCH<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e8545f4 e-con-full e-flex e-con e-parent\" data-id=\"2e8545f4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80d870e elementor-widget elementor-widget-template\" data-id=\"80d870e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"755\" class=\"elementor elementor-755 elementor-736 elementor-736\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41ff723f home-entidades-container e-flex e-con-boxed e-con e-parent\" data-id=\"41ff723f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5be7f933 elementor-widget elementor-widget-image\" data-id=\"5be7f933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"181\" height=\"39\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Logo_Banco_de_Espana.svg-1.svg\" class=\"attachment-large size-large wp-image-248\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19665259 home-entidades-separador elementor-widget elementor-widget-image\" data-id=\"19665259\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Vector-4.png\" class=\"attachment-large size-large wp-image-249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43b256ec elementor-widget elementor-widget-heading\" data-id=\"43b256ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">50+ financial institutions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-771025a6 home-entidades-separador elementor-widget elementor-widget-image\" data-id=\"771025a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Vector-4.png\" class=\"attachment-large size-large wp-image-249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7429222a elementor-widget elementor-widget-image\" data-id=\"7429222a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"168\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Trustpilot-4-7-1.png\" class=\"attachment-large size-large wp-image-250\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58ede0a6 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"58ede0a6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68eb08c5 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"68eb08c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CORPORATE STRUCTURES WE WORK WITH<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a2afae2 e-con-full e-flex e-con e-child\" data-id=\"3a2afae2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6f687d06 e-con-full e-flex e-con e-child\" data-id=\"6f687d06\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-743c0e1f e-con-full e-flex e-con e-child\" data-id=\"743c0e1f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58aa08cc elementor-widget elementor-widget-heading\" data-id=\"58aa08cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Property-holding companies<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbebf47 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fbebf47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40a4d07 elementor-widget elementor-widget-text-editor\" data-id=\"40a4d07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Companies whose primary purpose is to hold and manage real estate assets. This is the most common structure for buyers acquiring multiple properties or seeking to optimise the taxation of rental income.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3543846 e-con-full e-flex e-con e-child\" data-id=\"3543846\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c9ea9fc e-con-full e-flex e-con e-child\" data-id=\"c9ea9fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61c1428 elementor-widget elementor-widget-heading\" data-id=\"61c1428\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Limited liability companies (SL) and corporations<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f820b93 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f820b93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-613322f elementor-widget elementor-widget-text-editor\" data-id=\"613322f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Operating companies that acquire property for their own use, such as corporate premises, or as an investment within their business activity.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c22c99 e-con-full e-flex e-con e-child\" data-id=\"2c22c99\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4b37cfd e-con-full e-flex e-con e-child\" data-id=\"4b37cfd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfa927c elementor-widget elementor-widget-heading\" data-id=\"cfa927c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Developer SPVs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-777c6c4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"777c6c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d13efa8 elementor-widget elementor-widget-text-editor\" data-id=\"d13efa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Special purpose vehicles created by developers to finance real estate development projects. Each SPV is linked to a specific project.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56c6c15 e-con-full e-flex e-con e-child\" data-id=\"56c6c15\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a6b32ee e-con-full e-flex e-con e-child\" data-id=\"a6b32ee\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc4aab2 elementor-widget elementor-widget-heading\" data-id=\"fc4aab2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Corporate holding companies<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e008a6b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e008a6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91bab7d elementor-widget elementor-widget-text-editor\" data-id=\"91bab7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Business groups that structure real estate acquisitions through a parent company or a dedicated subsidiary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f51b923 e-con-full e-flex e-con e-child\" data-id=\"f51b923\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-771f005 e-con-full e-flex e-con e-child\" data-id=\"771f005\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d95e02 elementor-widget elementor-widget-heading\" data-id=\"9d95e02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">International structures<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1fa9aa elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f1fa9aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a8ea29 elementor-widget elementor-widget-text-editor\" data-id=\"4a8ea29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Foreign companies or structures with parent companies in other jurisdictions that acquire property in Spain.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e86b7a0 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"e86b7a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e61f257 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"4e61f257\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WHEN IT MAKES SENSE TO BUY THROUGH A COMPANY<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2799229c e-grid e-con-full e-con e-child\" data-id=\"2799229c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f3ff171 e-con-full e-flex e-con e-child\" data-id=\"f3ff171\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-bb8908f e-con-full e-flex e-con e-child\" data-id=\"bb8908f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55f610a headding-underline elementor-widget elementor-widget-heading\" data-id=\"55f610a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tax efficiency<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-541cb89 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"541cb89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6484460 elementor-widget elementor-widget-text-editor\" data-id=\"6484460\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Income generated by the property is taxed differently depending on whether it is received by an individual or through a company. Depending on the income level, corporate structure, and autonomous community, corporate taxation may be more efficient.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a1ddb3f e-con-full e-flex e-con e-child\" data-id=\"a1ddb3f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-327e733 e-con-full e-flex e-con e-child\" data-id=\"327e733\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76202a5 headding-underline elementor-widget elementor-widget-heading\" data-id=\"76202a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Asset protection<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a480986 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a480986\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b3d23e elementor-widget elementor-widget-text-editor\" data-id=\"1b3d23e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Corporate ownership separates the real estate asset from the investor&#8217;s personal assets.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a09441 e-con-full e-flex e-con e-child\" data-id=\"7a09441\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9002bd8 e-con-full e-flex e-con e-child\" data-id=\"9002bd8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c166e6 headding-underline elementor-widget elementor-widget-heading\" data-id=\"2c166e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Multi-investor structures<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d86e08 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5d86e08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c00c96 elementor-widget elementor-widget-text-editor\" data-id=\"3c00c96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When several investors participate in an acquisition, a corporate structure is the natural way to organise ownership.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b152ece e-con-full e-flex e-con e-child\" data-id=\"b152ece\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e7810cb e-con-full e-flex e-con e-child\" data-id=\"e7810cb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2d3ca7 headding-underline elementor-widget elementor-widget-heading\" data-id=\"a2d3ca7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">International holding companies<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19a836b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"19a836b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf2cdf5 elementor-widget elementor-widget-text-editor\" data-id=\"bf2cdf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For family or corporate groups operating across several jurisdictions, purchasing through an entity allows the asset to be integrated into a broader wealth structure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-224ce3d elementor-widget elementor-widget-text-editor\" data-id=\"224ce3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AVF does not provide tax or legal advice. We work with specialist tax advisers and lawyers who can guide you on the optimal structure for your case.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1263efd1 e-con-full e-flex e-con e-parent\" data-id=\"1263efd1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:3814,&quot;url&quot;:&quot;https:\\\/\\\/altavistafinance.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/18Baber-House120865-CMYK-1-1.webp&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e238ac0 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"2e238ac0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fcf438f elementor-widget-mobile__width-initial proceso-heading elementor-widget elementor-widget-heading\" data-id=\"6fcf438f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">KEY CONSIDERATIONS IN CORPORATE FINANCING<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e483662 e-grid e-con-full e-con e-child\" data-id=\"2e483662\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6a590d65 e-con-full e-flex e-con e-child\" data-id=\"6a590d65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10e0a5 elementor-widget elementor-widget-heading\" data-id=\"10e0a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">01<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-263b879b afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"263b879b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Differences in credit assessment<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46368dd9 elementor-widget elementor-widget-text-editor\" data-id=\"46368dd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Financial institutions do not assess a company in the same way as an individual. The analysis focuses on the company&#8217;s financial statements (balance sheet, income statement, and cash flow), shareholder structure, company credit history, and, in most cases, the personal creditworthiness of shareholders or directors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6eada170 e-con-full e-flex e-con e-child\" data-id=\"6eada170\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50985776 elementor-widget elementor-widget-heading\" data-id=\"50985776\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">02<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3280b2f2 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"3280b2f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">LTV and terms<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e75bdf elementor-widget elementor-widget-text-editor\" data-id=\"76e75bdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Typical LTV for corporate financing ranges from 50% to 70%, lower than for mortgages to individuals. Interest rates are usually slightly higher, and terms generally range from 15 to 25 years.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7eb0b9b0 e-con-full e-flex e-con e-child\" data-id=\"7eb0b9b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bedd6eb elementor-widget elementor-widget-heading\" data-id=\"7bedd6eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">03<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dc900c7 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"5dc900c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Guarantees<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-711a08f3 elementor-widget elementor-widget-text-editor\" data-id=\"711a08f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Most institutions require personal guarantees from shareholders or directors, in addition to the mortgage security over the property.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f865807 e-con-full e-flex e-con e-child\" data-id=\"7f865807\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-796af360 elementor-widget elementor-widget-heading\" data-id=\"796af360\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">04<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21be0d09 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"21be0d09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Documentation<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70abdb65 elementor-widget elementor-widget-text-editor\" data-id=\"70abdb65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The documentation required for a corporate mortgage is considerably more extensive than for a personal mortgage. It includes incorporation deeds, powers of attorney, audited financial statements, company tax returns, beneficial ownership certificates, and personal documentation for shareholders and guarantors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-705c656d servicios-funciona-container e-flex e-con-boxed e-con e-parent\" data-id=\"705c656d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7be45d0c e-con-full e-flex e-con e-child\" data-id=\"7be45d0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28ac1620 elementor-widget-mobile__width-initial elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"28ac1620\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REAL TRANSACTIONS WITH COMPANIES<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-618fb490 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"618fb490\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/case-studies\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#283843\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VIEW REAL CASES<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70b251ae e-con-full e-flex e-con e-child\" data-id=\"70b251ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b1c84e7 elementor-widget elementor-widget-image\" data-id=\"7b1c84e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"707\" height=\"512\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/servicios-funciona.webp\" class=\"attachment-large size-large wp-image-3815\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/servicios-funciona.webp 707w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/servicios-funciona-300x217.webp 300w\" sizes=\"(max-width: 707px) 100vw, 707px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d6d38a6 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"6d6d38a6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b69a032 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"5b69a032\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FREQUENTLY ASKED QUESTIONS ABOUT CORPORATE MORTGAGES<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15dd4fb8 acordeon-faqs-content elementor-widget elementor-widget-n-accordion\" data-id=\"15dd4fb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3660\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-3660\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can a newly incorporated company obtain a mortgage in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3660\" class=\"elementor-element elementor-element-1030afc5 e-con-full e-flex e-con e-child\" data-id=\"1030afc5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3660\" class=\"elementor-element elementor-element-1d589500 e-con-full e-flex e-con e-child\" data-id=\"1d589500\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32e61fa elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"32e61fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It is possible, but significantly more difficult. Most institutions prefer companies with at least two to three years of operating history. AVF knows which institutions are more flexible with newly incorporated companies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3661\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3661\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the typical LTV for a corporate mortgage in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3661\" class=\"elementor-element elementor-element-51a0bc32 e-con-full e-flex e-con e-child\" data-id=\"51a0bc32\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3661\" class=\"elementor-element elementor-element-6e8edd7a e-con-full e-flex e-con e-child\" data-id=\"6e8edd7a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8204aa9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8204aa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Typical LTV ranges from 50% to 70% of the appraised value. This is lower than the usual LTV for individuals, which ranges from 60% to 80%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3662\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3662\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What documentation does a company need to apply for a mortgage? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3662\" class=\"elementor-element elementor-element-a5d564 e-con-full e-flex e-con e-child\" data-id=\"a5d564\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3662\" class=\"elementor-element elementor-element-1e72f692 e-con-full e-flex e-con e-child\" data-id=\"1e72f692\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-305e5dd0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"305e5dd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Documentation includes incorporation deeds and powers of attorney, financial statements for the last two to three financial years, company tax returns, beneficial ownership certificates, and full personal documentation for shareholders and guarantors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3663\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3663\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can a foreign company buy property and obtain a mortgage in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3663\" class=\"elementor-element elementor-element-45fd5439 e-con-full e-flex e-con e-child\" data-id=\"45fd5439\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3663\" class=\"elementor-element elementor-element-7302c1c7 e-con-full e-flex e-con e-child\" data-id=\"7302c1c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-549f1bba elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"549f1bba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. The process is more complex: it requires obtaining a Spanish tax identification number (NIF), apostilling or legalising corporate documents, and presenting financial statements in recognised formats. Not all institutions work with foreign companies. AVF knows which ones do.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3664\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3664\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do banks require personal guarantees from shareholders? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3664\" class=\"elementor-element elementor-element-13ec6ed e-con-full e-flex e-con e-child\" data-id=\"13ec6ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3664\" class=\"elementor-element elementor-element-b2dd3a2 e-con-full e-flex e-con e-child\" data-id=\"b2dd3a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f518f95 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f518f95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In the vast majority of cases, yes. Institutions require the principal shareholders or directors to personally guarantee the transaction.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3665\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3665\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What are the tax implications of buying through a company? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3665\" class=\"elementor-element elementor-element-3b22c2f e-con-full e-flex e-con e-child\" data-id=\"3b22c2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3665\" class=\"elementor-element elementor-element-5c00edf e-con-full e-flex e-con e-child\" data-id=\"5c00edf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ef4a2bb elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3ef4a2bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tax treatment varies significantly depending on the type of company, the autonomous community, the use of the property, and the income structure. AVF does not provide tax advice. We work with specialist tax advisers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3666\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3666\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How long does the mortgage process take for a company? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3666\" class=\"elementor-element elementor-element-336b954 e-con-full e-flex e-con e-child\" data-id=\"336b954\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3666\" class=\"elementor-element elementor-element-24cd2f57 e-con-full e-flex e-con e-child\" data-id=\"24cd2f57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51cdce47 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"51cdce47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Generally between 12 and 20 weeks, slightly longer than for individuals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3667\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3667\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What types of property can a company finance? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3667\" class=\"elementor-element elementor-element-a42c1e0 e-con-full e-flex e-con e-child\" data-id=\"a42c1e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3667\" class=\"elementor-element elementor-element-52b863a e-con-full e-flex e-con e-child\" data-id=\"52b863a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a466db3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a466db3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In addition to residential property, companies can finance commercial property, retail units, industrial warehouses, entire buildings, land, and development projects.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can a newly incorporated company obtain a mortgage in Spain?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is possible, but significantly more difficult. 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This is lower than the usual LTV for individuals, which ranges from 60% to 80%.\"}},{\"@type\":\"Question\",\"name\":\"What documentation does a company need to apply for a mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Documentation includes incorporation deeds and powers of attorney, financial statements for the last two to three financial years, company tax returns, beneficial ownership certificates, and full personal documentation for shareholders and guarantors.\"}},{\"@type\":\"Question\",\"name\":\"Can a foreign company buy property and obtain a mortgage in Spain?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The process is more complex: it requires obtaining a Spanish tax identification number (NIF), apostilling or legalising corporate documents, and presenting financial statements in recognised formats. Not all institutions work with foreign companies. AVF knows which ones do.\"}},{\"@type\":\"Question\",\"name\":\"Do banks require personal guarantees from shareholders?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In the vast majority of cases, yes. Institutions require the principal shareholders or directors to personally guarantee the transaction.\"}},{\"@type\":\"Question\",\"name\":\"What are the tax implications of buying through a company?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tax treatment varies significantly depending on the type of company, the autonomous community, the use of the property, and the income structure. AVF does not provide tax advice. We work with specialist tax advisers.\"}},{\"@type\":\"Question\",\"name\":\"How long does the mortgage process take for a company?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generally between 12 and 20 weeks, slightly longer than for individuals.\"}},{\"@type\":\"Question\",\"name\":\"What types of property can a company finance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In addition to residential property, companies can finance commercial property, retail units, industrial warehouses, entire buildings, land, and development projects.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4855e50b e-con-full contacta-nosotros-letter-light e-flex e-con e-parent\" data-id=\"4855e50b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-950a56c elementor-widget elementor-widget-template\" data-id=\"950a56c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"774\" class=\"elementor elementor-774 elementor-757 elementor-757\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a41b0 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"a41b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41819a8b elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"41819a8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONTACT US<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-655aa3aa e-con-full e-flex e-con e-child\" data-id=\"655aa3aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43288274 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"43288274\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you are considering a real estate transaction in Spain and want to understand which options make sense to explore, we would be happy to talk.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb3072e elementor-align-center elementor-tablet-align-left elementor-widget elementor-widget-button\" data-id=\"1bb3072e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#D0C9B9\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>COMPANIES Companies acquiring property in Spain\u2014property-holding companies, limited liability companies (SL), corporations, developers, and special purpose vehicles (SPVs)\u2014can access mortgage financing on terms that differ substantially from mortgages for individuals. Typical LTV ranges from 50% to 70%, terms are usually 15 to 25 years, and credit assessment is based on the company&#8217;s financial statements, the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":3463,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1451","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Company Mortgages in Spain | Altavista Finance<\/title>\n<meta name=\"description\" content=\"Corporate mortgages in Spain for property-holding companies, SLs, corporations, developers, and SPVs. 50\u201370% LTV and tailored financing.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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