Apply for a loan secured by a mortgage
*You must own a property to secure the loan
We offer financing with full transparency and without ever charging anything up front.
Leave us your contact details and we’ll study your case free of charge and on a personalised basis. We are a serious, professional team.
What is a loan secured by a mortgage?
It’s private financing in which a property acts as collateral. It allows businesses, developers, self-employed professionals and individuals to obtain liquidity with more agility and flexibility than traditional banks, because the decision is based mainly on the value of the asset and the viability of the transaction.
Prestamo Capital is the brand of Ondara Capital, S.L., a real estate lender registered with the Bank of Spain. We finance transactions throughout Spain secured by homes, commercial premises, industrial units, offices, plots and other properties free of charges or with reduced charges.
Who we finance:
- Businesses and SMEs: working capital, debt refinancing, payments to suppliers or to the tax authorities, investment and growth.
- Developers: land purchase, construction financing or financing of its final phase, and bridge loans until the units are sold or the mortgage is subrogated.
- Self-employed: liquidity for your business, purchase or renovation of premises, machinery or debt consolidation.
- Individuals: renovations, debt consolidation, accepting inheritances or other personal needs.
Features of our mortgage-backed loans
- Amount: from €15,000. For development transactions and bridge loans, up to €10,000,000.
- Financing: up to 45% of the appraised value of the property provided as collateral.
- Term: from 1 to 5 years, extendable to 10 or 20 years depending on the type of transaction.
- Collateral: a property owned by you or by a third party (partner, relative or group company).
- Formalisation: always before a notary, with registration in the Land Registry.
- No up-front costs: the study of your transaction is free and with no obligation.
In addition to the principal, the loan accrues interest and some formalisation costs, which we set out for you in writing before signing, so you know the total cost from the outset.
Requirements to apply for financing
The main requirement is to have a property in Spain to serve as collateral, free of charges or with reduced charges. From there, we analyse each profile according to its situation:
- Businesses and developers: we assess the collateral, the viability of the project and the planned repayment route (sale, refinancing, subrogation or business cash flows).
- Self-employed: we take into account the business activity and its performance, not just the income tax return.
- Individuals: be of legal age and resident in Spain. Being listed on files such as ASNEF or RAI does not prevent us from studying your case.
Advantages over bank financing
- Speed: commercial transactions (businesses, developers and self-employed professionals for their business) can be formalised within a few days of receiving the documentation. For loans to individuals, the legal timeframes are respected, usually about two weeks.
- Flexibility: we adapt the amount, term, grace period and repayment method to the real calendar of your business or development.
- Financing where the bank won’t go: urgent transactions, ongoing projects, cash-flow pressures or profiles that banks reject due to internal policy.
- Large amounts: capacity to finance transactions for businesses, developers and high-net-worth individuals.
- Legal certainty: entity registered with the Bank of Spain, signing before a notary and registration in the Land Registry.
- Direct dealings: an advisor supports you throughout the process, from the first study to signing.
How to apply for your loan secured by a mortgage?
- Send us your application using the form on this page, call us on 932 20 22 63 or message us on WhatsApp at 611 677 119.
- We study the collateral and the transaction free of charge and give you a first indicative answer.
- You receive an answer within 24 working hours of us having the necessary documentation.
- Valuation and signing before a notary, with all the conditions set out in writing.
- Payment of the funds into the account you indicate.
Whether you’re a business, developer, self-employed professional or individual, we support you throughout the process with complete transparency and without charging anything up front.
