Financing to build your own house
Finance the construction of your home in Spain with a streamlined, secure process guided by experts. With private capital and specialized lenders, your project can begin sooner than you think.
Resolución rápida
Access financing to start your project in 7–15 days, much faster than traditional banks.
Technical and financial support
We guide you through the entire process: land valuation, project study, licenses, certifications and construction phases.
Tailor-made solution
Every self-build project is unique. We tailor the financing to your project, construction pace, and certifications.
Flexible, secure financing tailored to self-builders in Spain
Construir una vivienda propia puede parecer complejo.
Con Palma Finance accedes a financiación privada especializada, pensada para avanzar sin bloqueos administrativos.
We offer self-build mortgages tailored to your project, with loan-free tranches based on certifications and with advice at all stages of construction.
Financing solution
Structured financing based on the value of the land + future value of the work.
Wealth growth
Ideal for those who wish to turn their project into a high-value home in Spain.
Red de prestamistas
Private experts who understand the real needs of self-builders, with fast processes and minimal requirements.
Smart financing solutions for self-builders
We work with property owners in Spain, the UK, Switzerland, the USA, Latin America, and the Middle East.
Each project receives a customized solution.
Private mortgage for self-builder
Financing based on the land value and the future value of the property.
Ideal if the bank has rejected your application.
Refinancing and capital increase
If you have started construction and need more financing, we can restructure or extend the loan.
Bridge loans to begin construction
Fast financing to start construction while waiting for licenses or technical certifications.
Self-promotion for luxury homes
Specialists in villas, estates and exclusive projects in the Balearic Islands, Costa del Sol and premium areas.
Self-build mortgage with unencumbered land
If you own the land, you can access immediate liquidity to start construction.
Financing for investment and new construction
For projects intended for rental, resale or creation of real estate assets.
Fast, safe and designed for self-builders
Forget endless processes.
Our private self-build mortgages offer:
Approval in 7–15 days
Fewer requirements and less bureaucracy
Release of sections according to certifications
Financing based on the value of the land and the project
Sign at the notary's office in weeks, not months
Build your house without complications, even if the bank has told you no
Miles de autopromotores comienzan cada año su proyecto en España.
Con Palma Finance, tu experiencia es clara, flexible y sin bloqueos.
Financing solution
Financing structured according to the value of the land and the project, released in stages.
Technical support
Ideal for those who need support with licenses, certifications and construction phases.
Network of experts
Private lenders who understand the real needs of self-builders.
Preguntas frecuentes sobre hipotecas para autopromotores
We answer the most common questions about mortgages for self-builders in Spain.
To apply for a self-build mortgage, you must meet some basic requirements: own the land, submit an approved architectural project, have a building permit, and provide a detailed construction budget. In addition, your financial capacity and the project's viability will be assessed.
In a traditional self-build mortgage, lenders typically finance between 50% and 70% of the total project cost. Private lenders can offer more flexible structures, financing based on the current land value and the future value of the construction.
Financing is disbursed in installments, which are released as construction progresses.
Loan disbursements are made based on technical certifications. Each time the architect or engineer certifies progress (foundation, structure, walls, installations, etc.), the lender releases the next loan installment.
This system ensures that financing keeps pace with the actual construction progress and prevents delays due to lack of funds.
Yes, it's possible through bridging financing. This type of loan allows you to begin preparing the project or resolve preliminary issues while you obtain the final permit.
Once you have the permit and the approved project, the financing can be converted into a self-build mortgage with installments.
The basic documentation includes:
Land title
Architectural project approved
Building permit
Budget broken down by phases
Energy certification (upon completion of the work)
Personal and financial documentation
The more complete the file, the faster the financing will be approved.
Yes, prefabricated and modular homes can be financed with a self-build mortgage, provided they have a technical project, municipal permit, and have been anchored to the land.
Private lenders often accept this type of construction because its final value can be certified just like a traditional home.
