Property investment
Net-yield analysis and financing structure for residential and commercial assets.
What is included
Net yield
Asset financing
Purchase structure
Who it is for: For anyone considering buying property to let, or who already owns one and wants to know whether it truly pays.
What is worth knowing
01
Gross and net yield
Gross divides annual rent by the purchase price. Net also deducts costs (taxes, community fees, insurance, maintenance) and empty periods. Net is the one that matters.
Products Agustín can arrange for you
Second-home mortgage
Fixed, variable or mixed, also for non-residents.
Commercial property mortgage
Buy the premises for your business.
Equity release
Liquidity secured on a property you already own.
Home insurance for rented properties
Includes illegal occupation cover depending on the plan.
Non-resident account
To collect rent and pay the property bills.
Interest rates, discounts, fees and promotions change often: Agustín gives you the current terms, at the meeting.
How we work
Listen
An unhurried conversation about your situation, goals and timing. Most things are decided here.
Analyse
I review what you already have, what it costs and what is missing, and compare it with the market.
Propose
I present the options with pros and cons, in writing and without unnecessary jargon.
Support
I support you through the process and review progress with you when your circumstances change.
What to bring to the meeting
- ID/NIE
- Recent payslips or tax return
- Property details (if you have one)
Watch out for
A good yield on paper can vanish with a few months without a tenant or an unexpected repair.
Work out whether the rent covers the mortgage payment and costs with a reasonable margin.
Do not assume property prices only go up: they can fall or take time to sell.
Frequently asked questions
There is no universal figure: it depends on the area, the vacancy risk and your financing costs. What helps is comparing net yield with other alternatives.
General, indicative information on regulations and products in Spain. Terms and rules change and every case is different: they are confirmed at the meeting. It is not personalised advice or an offer.
Related services
Mortgages and housing
Feasibility study, offer comparison and support through to signing, for residents and non-residents.
Talk about thisPersonal loans
Funding for renovations, a vehicle or debt consolidation, with a payment you can actually afford.
Talk about thisWealth planning
A complete view of what you own and what you want to achieve, with a staged plan.
Talk about thisShall we look at your own case?
A 30-minute meeting, no commitment. You arrive with a summary and leave with clear next steps.
General information only. It is not personalised advice or a contractual offer.