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Purchasing Non Performing Loans
Purchase of Non-Performing Loans in Spain (NPL)
At LPB Solicitors, we offer a unique opportunity for foreign investors and non-residents to enter the Spanish property market through the purchase of mortgage-backed real estate credits. These are often undervalued assets, acquired through banks, investment funds, or distressed portfolios, with strong capital growth and exceptional rental return potential.
Our legal team of English-speaking lawyers, real estate legal consultants, and tax experts provides full legal guidance throughout the acquisition, from due diligence to the eventual execution or recovery of the secured property title. These are off-market opportunities, not available through traditional estate agents, real estate portals, or public sales.
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What Sets Us Apart
Access to Real Estate Credits
Exclusive deals not listed by traditional property agents.
Legal Advice for Investors
We manage the full purchase process from debt to ownership.
English-Speaking Real Estate Lawyers
We guide foreign investors with secure legal strategies.
Why Buying Secured Real Estate Debt Is a Profitable Strategy
High-Yield Entry to Real Estate Investment
Purchasing mortgage-backed property credits allows investors to acquire distressed assets at a discount—often well below market value. Upon enforcement or negotiation, these credits can become high-margin real estate holdings. This strategy is ideal for foreign investors looking to buy property, start a property business, or grow long-term wealth in Spain.
Explore real estate investment strategies beyond buying property directly
Direct Access to Off-Market Credit Portfolios
Through partnerships with Spanish and international banks, hedge funds, and asset servicers, LPB Solicitors connects investors with exclusive debt portfolios. These assets are not available on property for sale platforms, and represent secure, high-return investments backed by real estate collateral.
Speak with our legal consultants to review available mortgage credit portfolios
LPB SOLICITORS - Alicante
Our Legal Services for Buying Real Estate Credits in Spain
Legal Due Diligence on Credit Portfolios
We analyze the underlying loan agreements, asset valuations, borrower solvency, and legal enforcement status.
Structuring the Purchase Vehicle
We advise on whether to purchase individually, through an SL company, or via international structures for optimal tax efficiency.
Foreclosure and Execution Proceedings
We manage the legal process to convert the credit into physical ownership through foreclosure or negotiation.
Representation Before Banks and Funds
We handle negotiations with institutional sellers and conduct full legal checks on each credit asset.
Registration and Tax Settlement
We manage the proper registration of the property title and settlement of related taxes once ownership is transferred.
Post-Acquisition Property Management
We assist with rental agreements, insurance, renovations, and tenant compliance once the property is secured.
Access to High-Risk/High-Reward Portfolios
We give qualified investors access to unreleased NPL portfolios with strong upside, filtered and validated by our legal team.
Ongoing Legal and Tax Advisory
We provide continuous legal advice for long-term management, liquidation, or reinvestment strategies.
Unlock secure property acquisition through strategic debt investments in Spain
Start Building Your Portfolio Through Secured Real Estate Debt
LPB Solicitors is your trusted legal partner for investing in mortgage-backed property credits in Spain. Whether you’re seeking access to off-market real estate, planning to buy a house, or looking to launch or scale your real estate investment business, our legal team handles everything—securely, discreetly, and profitably.
Frequently Asked Questions
Non-Performing Loans Investment in Spain
1. What are Non-Performing Loans or mortgage-backed property credits (NPLs) in Spain?
Mortgage-backed credits, or Non-Performing Loans (NPLs), are debts tied to real estate that have fallen into default. These assets offer investors the chance to acquire undervalued property at a discount, with the potential for strong capital appreciation or rental income upon foreclosure or settlement.
2. Can foreigners invest in NPLs in Spain?
Yes. Foreign investors and non-residents can legally purchase real estate credit portfolios in Spain. At LPB Solicitors, our English-speaking real estate lawyers manage the entire process—from due diligence to ownership registration—ensuring compliance and secure, high-yield investments.
3. What are the risks involved in buying NPLs?
The main risks involve unclear legal status, contested ownership, or borrower disputes. That’s why legal due diligence is essential. We verify all documentation, the solvency of borrowers, the value of the property, and any pending litigation to protect your investment.
4. What is the process of converting a mortgage credit into property ownership?
This typically involves negotiation, foreclosure, or debt settlement. LPB Solicitors manages the legal process, including court procedures or voluntary transfer agreements (dación en pago), to help you take full ownership of the underlying property securely.
5. Why should I choose LPB Solicitors for real estate credit investments?
We offer exclusive access to off-market portfolios, direct from banks, funds, and asset servicers. Our legal consultants and tax advisors handle everything: legal review, purchase structure, registration, and ongoing property management—ensuring your investment is both secure and profitable.
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