The luxury real estate market in Mallorca continues to attract high-net-worth individuals from around the world — not just for its Mediterranean lifestyle, but also for its exceptional investment potential.
When purchasing a luxury property in Spain, expert guidance is essential to navigate the legal, financial, and tax differences compared to other countries. Lionsgate Capital is the leading mortgage broker for high-net-worth and ultra-high-net-worth individuals with a team of finance experts in the heart of Palma de Mallorca. The firm advises international buyers on how smart financing can reduce Spain’s wealth tax, benefit from some of the lowest interest rates in Europe, and enhance overall investment returns.
With premium access to all of the Spanish banks and top-tier private banks in other jurisdictions, Lionsgate Capital serves as a single point of contact, negotiating optimal terms and providing end-to-end support throughout the buying process. Their deep understanding of both local and international markets ensures a seamless and strategic approach to property financing.
A step by step guide to mortgages in Mallorca
The process of securing a mortgage in Mallorca is likely to be quite different to in your home country. We explain how it works here.
For those looking to acquire a high-end property in Spain, obtaining reliable information and having the right trusted partner makes all the difference between a good deal and an exceptional investment.
Buying property in Spain can differ from countries like the U.S., the UK, or Germany. Interest rates remain comparatively low, and early mortgage repayment penalties are capped by regulation — offering greater flexibility than in many other markets. Additionally, in the Balearic Islands, a wealth tax applies to luxury properties (and the laws are constantly changing), whether owned by residents or non-residents. Financing part or all of a property purchase can be a strategic way to mitigate this tax.
Even buyers with ample liquidity often choose to finance to preserve capital for other high-yield opportunities. As Lionsgate Capital puts it:
“Financing isn’t a necessity — it’s a smart financial strategy.”
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