Costs & Construction Mortgages: The Complete Guide to Building Your Spanish Villa

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If you’ve ever wondered what it really costs to build in Spain, or how to get a construction mortgage as an international buyer, this is for you.

Discover the truth about construction costs, how Spanish banks finance new builds, and what it takes to turn your dream into a real, legally approved villa – all explained clearly in English by trusted experts from Eco Vida Homes and Habeno.

Learn exactly what it takes to build a villa in Spain, without the stress, confusion, or hidden costs.

What You’ll Learn in This Free Webinar

1. How Construction Mortgages Work in Spain
Understand how a construction mortgage differs from a standard home loan and how stage payments are released against the architect’s certificates of value. We’ll explain how this system protects your investment and keeps your project running smoothly.

2. How to Qualify – What the Banks Really Look For
Learn what Spanish and international lenders actually evaluate when approving your loan: from recognised income sources (including overseas or rental income) to the financial standing required from your contractor. We’ll clarify what you need in place to secure financing with confidence.

3. How Much You Can Borrow and What You’ll Need in Cash
Get a clear picture of how much of your build the bank will fund, how owning your land affects the figures, and what level of cash contribution is typically expected. This section helps you plan your finances realistically from the outset.

4. Construction Mortgages for Modern Timber, Modular, and Off-Site Homes
If you’re exploring modern construction methods, we’ll show you how these projects are viewed by lenders, and how to present your case effectively to ensure your dream build, whether timber frame, modular, or off-site, qualifies for finance.

5. The Application Process, Timelines, and What Comes Next
Follow the full journey from initial application through to approval – including how long it usually takes, when human decision-making overrides computer algorithms, and what happens once your villa is complete. We’ll also cover refinancing options after construction and how to secure the best long-term mortgage terms.

Your Questions, Answered Live

Bring your personal scenario — John Wolfendale (Founder and CEO of Eco Vida Homes) and Mónica de la Plata (Head of Partners at Habeno) will be answering questions live, so you can get tailored advice from people who’ve been through it all before.

SEND YOUR QUESTIONS TO HELLO@ECOVIDAHOMES.COM BEFORE 9 AM ON THE 27TH TO GET THEM ANSWERED.

WEBINAR DETAILS

Date: Thursday, 11th December
Time: 15:00 CET (Central European Time)
Duration: 60 minutes + live Q&A
Cost: Free to attend
Format: Live online webinar (link sent after registration)

Presented in Partnership By:

 

• • Expertise: Building eco-friendly villas for Mediterranean living in Spain
    • Expertise: Specialised Construction Mortgage & Financing Solutions.

Gain insider knowledge from seasoned experts John Wolfendale and Mónica de la Plata.

“Building a villa in Spain is easy. The tricky part is finding good people. After decades in the industry, we’ve assembled the best team to bring your vision to life.”

— John Wolfendale, Founder, Eco Vida Homes