Investment opportunities with high returns
Discover and invest in unique, high-return opportunities tailored to your requirements. A law firm and property investment specialists who support you from start to finish.
A legal and investment team
We are a firm of professionals specialised in managing property investment opportunities in Spain. We focus on identifying, acquiring and generating returns from mortgage loans secured by real estate.
Thanks to our links with funds and financial institutions, we access exclusive opportunities before they reach the market, ahead of public auctions. Every deal is backed by a rigorous analysis that maximises returns and ensures security from start to finish.
What is an NPL?
Non-Performing Loan. The bank sells a loan secured against a property; you buy it at a reduced price and become the creditor. You are not buying the debt: you buy the full credit right, secured and recognised by the courts. A high-return product with less competition.
The bank sells
A lender sells a loan (NPL) secured against a property at a reduced price.
You become the creditor
You acquire the full credit right, secured and recognised by the courts.
You earn a return
Our law firm manages the recovery of the full amount owed to you.
An NPL example in figures
Manuel takes out a €200,000 mortgage to buy a €300,000 flat in Málaga.
Manuel stops paying. The bank starts legal proceedings and the unpaid €200,000 loan becomes an NPL.
The bank sells that NPL at a discount: for €100,000.
The investor buys the NPL for €100,000 and becomes the creditor. He is now owed €200,000.
How does the investor make a return?
Our law firm handles the whole legal procedure and the recovery of the full €200,000 loan.
A third party buys the property at auction. The investor recovers the €200,000 he is owed. He invested €100,000 → +€100,000 profit.
The investor keeps the €300,000 flat for just €100,000, if the auction attracts no bidders or if he decides to bid.
Home in Huelva city
A loan secured by a home at an advanced stage of the proceedings. As it is not the debtor’s main residence, the debtor cannot halt the enforcement by paying off the arrears, which makes the deal more secure.
- Property type
- Residential
- Location
- Huelva city
- Proceedings
- Mortgage enforcement
- Status
- Auction being prepared
- Collateral
- Second home · no redemption right
Return scenarios
Investor’s net return after the 20% success fee. Estimated figures; every case is confirmed before investing.
NPL loans and auction-bid assignments
Search by area, asset type, stage of the proceedings and amounts. Approximate amounts; full case data for verified investors.
Approximate amounts (two significant figures) and stage by group. Exact case data is for verified investors.
Safe transaction: official channels and payment details →
Buy below market value
Comparison between the accepted offer and the retail price in recent deals. Anonymised information: only the town and province are shown.
Indicative sample of real, anonymised deals. Amounts and discounts vary from case to case.
We are with you from start to finish
Profile and goals
We analyse your profile, capital and return goals.
Selection
From 4,000+ opportunities we pick the one that suits you best.
Legal review
Legal due diligence and property valuation.
Acquisition
You acquire the loan and become the creditor.
Recovery
We manage the legal proceedings and your return.
Legal proceedings and recovery managed by our law firm.
Frequently asked questions
Is it safe to invest in an NPL?
The loan is secured and recognised by the courts, and our law firm manages the whole procedure. Every deal goes through a rigorous analysis.
Do I buy the debt or the property?
You buy the full credit right, not the debtor’s debt. Depending on the outcome, you recover the loan or you can keep the property.
What return can I expect?
It depends on each deal. In the example case, a €100,000 investment recovers €200,000 of the loan.
Who manages the legal proceedings?
Our law firm handles the whole loan recovery process, from start to finish.
Let’s talk about your investment
Free, no-obligation advice, the same day.