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Self-Build and Construction Mortgages

Looking for financial help to build your dream property? A Spanish self-build mortgage could be your answer!

Looking for a self-build mortgage? We can help!

If you’re looking to build your dream home in Spain, Fluent Finance Abroad can help you consider all of the options available to help you achieve your dream.

Although securing a self-build or construction mortgage (hipoteca autopromotor) is considerably more complex than a residential mortgage, Fluent Finance Abroad can offer you professional guidance and advice to help you navigate the rules and regulations involved in securing a construction mortgage.

Construction mortgages are available to both Spanish residents and non-residents alike and are available on both fixed and variable terms. However all applicants have to provide the bank with considerable details regarding the build, demonstrating that relevant licences have been granted , the architects plans have been approved and that quotes and costs for the build are available.

In the vast majority of cases banks will only offer a mortgage for the build if you own the plot of land outright, although in more rare cases others will offer a mortgage on the land and a separate mortgage for the construction. And unlike a traditional residential mortgage, you won’t receive the loan as a lump sum at the start of the build, as the payments are released at various stages during the construction process.

Designing and building your own home is both exciting and rewarding, and with expert mortgage advice from Fluent Finance Abroad we can help you to secure the right financing for your dream home.

Contact us now - our expertise is unbeatable!

Call us now to find out more about Spanish Self-Build and construction mortgages. Speak with a Fluent Finance Abroad Spanish Mortgage expert on 0034 952 85 36 47, or we can discuss your requirements via Zoom or Teams.

If you prefer email contact us on info@fluentfinanceabroad.com, or fill out our online enquiry form and one of our friendly team will contact you.

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    "DATA PROTECTION: In compliance with GDPR (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016 and LO 3/2018 of December 5 on the Protection of Personal Data and Guarantee of Digital Rights, We inform you that the data provided by you will be processed by FLUENT FINANCE ABROAD SL with CIF B93504918 and address at AVENIDA MARQUÉS DEL DUERO Nº 76, PUERTA 3C, SAN PEDRO ALCANTARA, 29670 (MALAGA) in order to attend to your information request. The legal basis for the processing of your data is the consent given for the sending of information. The data provided will be kept as long as the contractual relationship is maintained or during the years necessary to comply with legal obligations. The data will not be transferred to third parties except in cases where there is a legal obligation. You can exercise your rights of access, rectification, limitation of treatment, portability, opposition to the treatment and deletion of your data by writing to the postal address mentioned above or electronic info@fluentfinanceabroad.com, attaching a copy of the DNI in both cases, as well as the right to file a claim with the Control Authority (aepd.es).

    "Clear and concise communication between clients and lenders is critical to this business"

    Marc Elliott de Lama

    Marc Elliott is the British expat and brains behind Fluent Finance Abroad, the Spanish mortgage brokers based in San Pedro de Alcántara, Marbella.

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      "DATA PROTECTION: In compliance with GDPR (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016 and LO 3/2018 of December 5 on the Protection of Personal Data and Guarantee of Digital Rights, We inform you that the data provided by you will be processed by FLUENT FINANCE ABROAD SL with CIF B93504918 and address at AVENIDA MARQUÉS DEL DUERO Nº 76, PUERTA 3C, SAN PEDRO ALCANTARA, 29670 (MALAGA) in order to attend to your information request. The legal basis for the processing of your data is the consent given for the sending of information. The data provided will be kept as long as the contractual relationship is maintained or during the years necessary to comply with legal obligations. The data will not be transferred to third parties except in cases where there is a legal obligation. You can exercise your rights of access, rectification, limitation of treatment, portability, opposition to the treatment and deletion of your data by writing to the postal address mentioned above or electronic info@fluentfinanceabroad.com, attaching a copy of the DNI in both cases, as well as the right to file a claim with the Control Authority (aepd.es).

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        "DATA PROTECTION: In compliance with GDPR (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016 and LO 3/2018 of December 5 on the Protection of Personal Data and Guarantee of Digital Rights, We inform you that the data provided by you will be processed by FLUENT FINANCE ABROAD SL with CIF B93504918 and address at AVENIDA MARQUÉS DEL DUERO Nº 76, PUERTA 3C, SAN PEDRO ALCANTARA, 29670 (MALAGA) in order to attend to your information request. The legal basis for the processing of your data is the consent given for the sending of information. The data provided will be kept as long as the contractual relationship is maintained or during the years necessary to comply with legal obligations. The data will not be transferred to third parties except in cases where there is a legal obligation. You can exercise your rights of access, rectification, limitation of treatment, portability, opposition to the treatment and deletion of your data by writing to the postal address mentioned above or electronic info@fluentfinanceabroad.com, attaching a copy of the DNI in both cases, as well as the right to file a claim with the Control Authority (aepd.es).