Service

Real Estate Investments
Spain

Exclusive access to high-yield real estate in Mallorca, on the Costa Blanca and in Madrid, structured, secured and with a clear exit strategy.

Investing with a
Network Advantage

The most compelling real estate investments do not arise on the open market. They emerge where exclusive networks converge with legal expertise and tax-efficient structuring.

VADUZ Advisory connects high-net-worth individuals with a specialised network in Spain that provides access to non-performing mortgages and foreclosures, significantly below market value.

The result: prime Spanish real estate acquired on terms that remain inaccessible through conventional channels. Secured through proven Liechtenstein structures.

Exclusive Network

Direct access to non-performing mortgages from Spanish banks. No public tender, no competitive bidding.

Below Market Value

Acquisition of mortgage loans at a fraction of the property value. Returns through strategic realisation.

Structured & Secured

Integration into Liechtenstein foundation structures for optimal asset protection and tax efficiency.

Relevant to your situation? Schedule a complimentary initial consultation

The Process

From Mortgage Acquisition
to Ownership

01
Identification

Property Selection

  • Analysis of the Spanish market in Mallorca, Benidorm and Madrid
  • Identification of properties with non-performing mortgages
  • Assessment of location, condition and return potential
  • Personalised advice on your investment strategy
02
Acquisition

Mortgage Purchase

  • Strategic offer to the bank for the acquisition of the mortgage
  • Purchase price significantly below the actual property value
  • Notarial execution of the deed of assignment
  • Registration in the Land Registry: you become the creditor
03
Award

Foreclosure Auction

  • Guidance through the auction proceedings to final award
  • Acquisition of the property at the value of the outstanding debt
  • Registration as the new owner in the Land Registry
  • Alternative: capital gain from the price differential if awarded to a third party
04
Realisation

Exit Strategy

  • Direct resale with profit realisation
  • Value-enhancing renovation under professional project management
  • Rental income as a recurring revenue stream
  • Transparent documentation of all steps and costs
05
Structure

Liechtenstein Protection

  • Hold the property through a family foundation in Liechtenstein
  • Protection against personal liability risks
  • Tax-efficient structuring of the investment
  • Long-term wealth preservation across generations
06
Support

Comprehensive Advisory

  • Dedicated point of contact throughout the entire process
  • Legal and tax advisory in Spain
  • Property appraisal by qualified surveyors on site
  • Regular status reports on progress and costs
Our Network

Three Jurisdictions.
One Investment Approach.

Spain

Access to the most attractive real estate markets: Mallorca, Costa Blanca and Madrid. Acquisition of non-performing mortgages directly from Spanish banks through a specialised local network.

Liechtenstein

Structuring and protection of the investment through proven foundation structures. Asset protection, tax optimisation and control through registered protectors.

3
Locations in Spain
10+
Years of Market Experience
9
Steps to Ownership
100%
Legal Guidance
Frequently Asked Questions

What Investors Want to Know

Spanish banks sell non-performing mortgage claims (Non-Performing Loans) to investors, often significantly below the market value of the underlying property. The buyer acquires the claim, not the property itself. As the new creditor, they can then initiate foreclosure proceedings. At auction, statutory minimum bids apply: 70% of the appraised value for primary residences, 50% for other properties.
Yes. The trading of mortgage claims is a regulated market in Spain, currently being further professionalised through the implementation of EU Directive 2021/2167. Banks regularly sell non-performing loans as part of their balance sheet restructuring. The acquisition is executed via notarial deeds of assignment (escritura de cesion de credito) and recorded in the Land Registry.
The acquisition of the mortgage claim itself is completed within a few weeks. The subsequent foreclosure (ejecucion hipotecaria) accounts for the majority of the timeline, as it proceeds through the Spanish courts. According to CGPJ statistics, the average duration exceeds three years. Depending on the individual case, the process may be shorter or longer. We provide transparent information on realistic timeframes during the initial consultation.
As with any investment, there are risks. For primary residences, the debtor has a statutory right to loan rehabilitation (Art. 693.3 LEC), which can prevent the foreclosure. Properties may have defects, encumbrances or illegal occupants. Auction proceedings can experience significant delays. We mitigate these risks through thorough due diligence, on-site appraisals by qualified surveyors and legal guidance from specialised attorneys in Spain.
The foundation structure shields the property from personal liability risks and enables multi-generational wealth planning without inheritance disputes. Since 2023, Liechtenstein is no longer on Spain's list of non-cooperative jurisdictions. Important: taxes apply in Spain regardless of the holding structure, including the non-resident income tax (IRNR) and the local property tax (IBI). A comprehensive tax assessment of both jurisdictions is part of our advisory during the initial consultation.
Next Step

Your Access to Spanish Real Estate

Discover in a confidential initial consultation how you can invest in high-yield real estate through our network, structured, secured and below market value.

Schedule a Consultation

30 minutes. No obligation. Discreet.