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Guides to investing in discounted debt
Everything you need to know about NPLs, judicial auctions, foreclosure assignments and mortgage debt. Written without jargon.
- 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.