Mortgage-backed loan
Turn your home value into cash, without selling it.
If you are a homeowner, you can obtain liquidity by putting up your home as collateral: for the project, investment or unexpected cost you need, without selling or moving. Bank or private capital, whichever fits best. Residents and non-residents, a reply in 24 hours.
Common use
Liquidity for any purpose
Collateral
The home you own
First review
Value, charges and purpose
Feasibility dossier
Before committing money, we get the operation in order.
Your home value
Current charges
Amount you need
Purpose
Dormant value
You have assets, but not cash.
How it is unlocked
Your home can give you liquidity without losing it.
You have value built up in your home but cannot use it without selling, and selling does not always make sense. A loan secured against the property turns part of that value into liquidity while you keep it: we compare banks and private capital and tell you how much, on what security and over what term.
01
Your home: real value, existing charges and the financeable percentage.
02
Your goal: amount needed, purpose and repayment term.
Common situations
When you need liquidity and do not want to sell.
Not all liquidity needs are the same. Identify yours before talking to us.
01
Fund a project or an investment
Liquidity for a business, an opportunity or a major purchase, using your home value.
02
Face an unexpected event or a large payment
Cover an unexpected expense, taxes or a one-off debt without selling your assets cheaply.
03
Liquidity the bank does not provide in time
When you need the money quickly or your profile does not fit the bank, private capital is an option.
04
Without selling or moving
You keep the property; you only use part of its value as collateral.
The Primeteka process
First clarity about your home. Then liquidity.
The goal is to confirm quickly whether the operation has potential: how much can be obtained with your home, with what collateral and over what term.
01
Tell us your case
Your home, any charges on it and how much liquidity you need. 5 minutes.
02
Pre-assessment in 24h
We tell you if there is a real option and with what indicative conditions.
03
Valuation and offer
We appraise the property and give you a conditional offer, with no fine print.
04
Signing and liquidity
We support you all the way to signing before a notary. You receive the money.
Indicative conditions
What we look at before saying yes.
The final figures depend on the home valuation, existing charges, the purpose and the risk analysis. This table is indicative.
Purpose
Open: project, investment, unexpected cost, one-off debt or general liquidity.
Collateral
The home you own or another available property.
Amount
Indicative, up to 70% of the home value (LTV), less existing charges.
Profile
Residents and non-residents with verifiable documentation and repayment capacity.
Term
Fixed or variable rate, depending on your profile and the institution.
Notice
Service subject to review, valuation, risk approval and legal check.
Documentation
What speeds up the review.
- ID card, NIE or passport of the applicant or parties involved.
- Land Registry extract and property tax (IBI) receipt of the home used as collateral.
- Approximate valuation of the home and detail of any outstanding charges.
- Amount needed, purpose and proof of income or repayment capacity.
Pre-assessment
Tell us what you need.
With the details of your home, the amount and the purpose, we can give you a first feasibility estimate within 24 hours. No obligation.
Phone: +34 677 51 91 76
Email: info@primeteka.com
Hours: Mon-Fri 9:00-18:00
Frequently asked questions
Common doubts about the mortgage-backed loan.
What is a mortgage-backed loan and how does it work?
It is a loan in which your home acts as collateral. It lets you obtain liquidity using part of the property value without selling it; you repay it over the agreed term. Because it relies on the collateral, it usually gives access to larger amounts than a personal loan.
How much can I obtain?
Indicatively, up to 70% of the home value (LTV), minus any existing charges. The final amount is confirmed after the appraisal and the study of your case.
What can I use the money for?
The purpose is open: a project, an investment, an unexpected cost, taxes or clearing a debt. We just need to understand the operation to structure it well.
Which banks offer this loan?
Several banks offer it, as does private capital, with very different conditions. As an independent broker we compare the options and propose the one that best fits your case, including the non-resident profile.
Can I apply as a non-resident?
Yes. Primeteka specialises in non-residents on the Costa del Sol; we finance against the collateral of your property in Spain, with verifiable documentation.
Do I have to sell my home?
No. You use part of its value as collateral; the property remains yours.
How long does it take?
The pre-assessment takes 24 hours. Once we have the complete documentation, signing takes around 5 weeks on average.
What do I need for the deal to go ahead?
Three things: real, verifiable value in your property, a reasonable loan-to-value once existing charges are deducted, and a clear repayment path, either an affordable monthly payment or a defined exit. If those three pieces fit, the deal has legs.
Your home has value. Turn it into cash without selling.
No obligation. We tell you what documentation we need and whether the operation has potential.