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Discounted bank debt,
off the market.

InvertirDeuda is the platform to find and analyse discounted bank debt in Spain: judicial auctions, NPLs and bank-adjudicated properties that funds manage without listing them. Real fund data, free to explore.

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Immediate accessFree to exploreFund data, not invented
Search asset, province or phase
+37,000 assets today
Apartment in foreclosure
Murcia city
Auction date set
52%
discount
NPL portfolio, 47 mortgages
Andalusia
On sale
Ground floor commercial REO
Alicante
Adjudicated to bank
Illustrative example. Create your account to see real debt and discountSee the network
real data, not Rightmove
+37,000Assets in the catalogue today
+450,000Target assets: the market in Spain
13 typesFlat, warehouse, garage, land...
€0To explore the network

Three steps, no fine print.

  1. Create your free account

    Just your email. Browse the network, filter by type and province, and access the judicial phase of each asset. 10 full asset records a month for free; no limit with Pro.

  2. Explore and filter the network

    Search by type, province and judicial phase. Every asset brings the real data the fund provides.

  3. Analyse with real data

    Judicial phase, nominal debt and auction value for each asset the fund provides. You decide if it fits your strategy.

What you see on Rightmove is only the tip.

A large part of bank inventory never reaches the listing sites: portfolios, judicial auctions and NPLs that funds manage off-market. Today we bring together more than 37,000 assets with the data the fund provides: debt, mortgage burden and auction value.

01
Traditional sale

What you see on Rightmove or Zoopla. Market price, maximum competition.

Private seller
who sells
02
Bank REO asset

The bank has already repossessed the property and sells it directly to clean its balance sheet.

Bank or servicer
who sells
03
Judicial auction

The court sets a value below the debt. Margin for those who know the process.

Court
who sells
04
Assignment of bid

Before the court awards the property, the bid is assigned to a third party. Early access.

Winning bidder
who sells
05
Non-performing loan (NPL)

The bank sells the unpaid loan with its mortgage guarantee. You buy the debt, not yet the property.

Fund or bank
who sells
all this, in one networkExplore the network free

Real fund data, unretouched.

Each asset shows what the fund provides directly. If a data point doesn't exist, it appears as no data, never invented.

InvertirDeuda dashboard on the free plan: 37,808 assets, 33,465 geolocated, 33,268 with a facade photo and 13 asset types.
The real dashboard, on a free-plan account. Captured on 8 October 2026.
Judicial phase
Auction date set

Where the asset is in the process, from payment demand to adjudication.

Nominal debt
EUR 138,500

What the bank originally lent. The starting point to calculate the real discount.

Auction value
EUR 68,000

The price set by the court, below the nominal. Direct data from the fund, unedited.

If the fund does not provide a figure, the network marks it as "No data". We never invent numbers.

See real assets
The system was never complicated.
It was opaque.
We've opened it up.

Frequently asked questions about discounted debt

InvertirDeuda is not crowdlending or an investment platform: you do not invest through us or pool money with others. We provide the information and data on each asset, and you act on your own, how and when you want.

Yes, creating an InvertirDeuda account is free and needs no card. With your email you access the network and can explore assets and their judicial phase.

InvertirDeuda's assets come from bank portfolios, judicial auctions and off-market transactions: the same sources the big funds use, without the opacity.

For every asset you always see the type, location and judicial phase. Nominal debt, auction value and address are in the full asset record: 10 full records a month for free, and no limit with Pro.

Yes, investing in discounted debt carries risk of loss and nothing is guaranteed. That is why InvertirDeuda puts the data on the table: so you can decide with knowledge.

No prior experience is needed. The network translates every operation into clear data and jargon-free guides, so you start exploring and learn as you go.

Understand discounted debt before you invest

Clear guides on NPLs, judicial auctions, foreclosure assignments and mortgage-backed debt. What you need to know to decide with confidence.

See all guides

Assets by province

See the map

Start exploring
the network today.

Create your account and browse the assets that funds do not publish on Rightmove. Free to start.

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What we see every week, also on and .