Judicial phase
Auction date set
Where the asset is in the process, from payment demand to adjudication.
Discounted bank debt,
off the market.
Assets funds manage without listing them: judicial auctions, NPLs and bank-adjudicated properties. Real fund data, free to explore.
Create free accountfree, no card
Immediate accessFree to exploreFund data, not invented
Apartment in foreclosure
Murcia city
Auction date set52%
discount
NPL portfolio, 47 mortgages
Andalusia
On saleGround floor commercial REO
Alicante
Adjudicated to bankCreate your account to see debt and discountSee the network
+450,000Target assets in Spain
13 typesFlat, warehouse, garage, land...
All SpainPortfolio coverage
€0To explore the network
Three steps, no fine print.
Create your free account
Just your email. Browse the network, filter by type and province, and access the judicial phase of each asset. Full financials unlock with the Pro plan.
Explore and filter the network
Search by type, province and judicial phase. Every asset brings the real data the fund provides.
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.
90% of inventory never reaches any listing site. These are bank portfolios, judicial auctions and NPLs managed off-market by funds. We have direct access and publish their real data: debt, mortgage burden and auction value.
01
Traditional sale
What you see on Rightmove or Zoopla. Market price, maximum competition.
0 to 5%
typical discount
02
Bank REO asset
The bank has already repossessed the property and sells it directly to clean its balance sheet.
15 to 30%
typical discount
03
Judicial auction
The court sets a value below the debt. Margin for those who know the process.
25 to 45%
typical discount
04
Assignment of bid
Before the court awards the property, the bid is assigned to a third party. Early access.
35 to 55%
typical discount
05
Non-performing loan (NPL)
The bank sells the unpaid loan with its mortgage guarantee. The deepest discount in the market.
50 to 70%
typical discount
all this, in one networkExplore the network free
What you see for each asset
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.
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 assetsThe system was never complicated.
It was opaque.
We've opened it up.
The InvertirDeuda team
What you should know.
Is this crowdlending or an investment platform?
No. You do not invest through us or pool money with others. We provide the information and data; you act on your own, how and when you want.
Is it really free to create an account?
Yes, no cost and no card. With your email you access the network and can explore assets and their judicial phase.
Where do the assets come from?
From bank portfolios, judicial auctions and off-market transactions. The same sources the big funds use, without the opacity.
What data can I see for each asset?
Type, location and judicial phase always. Nominal debt, auction value and address unlock depending on your plan.
Is there a risk of losing money?
Yes, investing carries risk of loss and nothing is guaranteed. That is why we put the data on the table: so you can decide with knowledge.
Do I need prior experience?
No. The network translates every operation into clear data and jargon-free guides. 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.
- Investing in discounted property in Spain: the complete guideThe routes to invest in discounted property in Spain: judicial auction, bank-owned flats, foreclosed homes and discounted debt (NPL). Real discounts and risks.
- How to buy discounted debt in SpainA complete guide to investing in discounted debt in Spain: what it is, how it works, the types (NPLs, auctions, assignments) and how to access deals before the market does.
- How to buy a flat at a judicial auction: step-by-step guide (2026)How to buy a flat at a judicial auction in Spain step by step: the BOE auction portal, the deposit, the bid, the award and the charges you must review beforehand.
- Costs, taxes and charges when buying at a judicial auctionWhat you really pay when buying a flat at auction: transfer tax or VAT, registry and notary fees, and the charges you inherit. With a worked example to estimate the real cost.
- Bank-owned flats: what they are, where to find them and how to investWhat bank-owned flats are, why they sell at a discount, where to find them and how they compare with buying at auction or via NPL. Pros, cons and real risks.
- Buying a foreclosed home in Spain: guide and risks (2026)What it means for a home to be under attachment, how it differs from a bank-owned flat or an auction, how to buy it and what risks it carries: charges, occupancy and timelines.
- What is an NPL (non-performing loan) and how to invest in oneAn NPL is an unpaid loan that the bank sells at a discount. Learn what it is, why banks sell them and how a private investor can buy discounted debt.
- How to invest in judicial property auctionsA practical guide to investing in judicial auctions in Spain: what they are, how the BOE auction portal works, what deposits are required, the risks involved and how to find the best opportunities.
- What is a remate assignment (cesión de remate) and how it worksAn explanation of cesión de remate in Spanish judicial auctions: what it is, who can use it, how the legal process works and why it is a route to discounted property without bidding directly.
- Buying discounted mortgage debtHow buying discounted mortgage debt works in Spain: what an unpaid mortgage loan is, how the collateral is valued, how mortgage enforcement works and what potential return it can offer.
- Buying debt portfolios: how the funds investWhat a debt portfolio is, how banks sell them to funds, how NPL lots are valued and how a private investor can access individual discounted deals derived from those portfolios.
- Returns and risks of investing in discounted debtThe potential return of investing in discounted debt and the risks you take on: court timelines, collateral value, occupancy and how to analyse a deal before committing.
Immediate and free access
Start exploring
the network today.
Create your account and browse the assets that funds do not publish on Rightmove. Free to start.