Finance Personalised
We specialise in offering financing strategies designed to meet the specific needs for international clients, high net worth individuals, family offices, and investors.
Miraya Service Offer:
Residential Mortgages
End-to-end brokerage for primary residences, holiday homes, and investment properties. We secure competitive retail or private bank solutions, including non-resident financing.
Equity Release
Unlock liquidity from existing properties to fund investments, personal projects, or portfolio rebalancing. We manage valuations, lender requirements, and tax implications to optimise available capital.
Refinancing
Restructure or optimise existing debt to secure better terms, reduce costs, or align financing with evolving investment or lifestyle goals.
Bridging Loans & Short-Term Finance
Flexible, rapid solutions for time-sensitive transactions such as auctions or sale gaps. Typically interest-only for 6–24 months, with the option to refinance into a long-term mortgage.
Complex Structures & Bespoke Lending
Tailored facilities for clients with non-standard profiles or unique assets. We collaborate with legal and tax advisers to integrate financing within broader wealth strategies.
Construction & Development Finance
Structured funding for renovations, new builds, and large-scale developments. Phased drawdowns and bridge-to-development solutions ensure liquidity across project milestones.
Why Choose Miraya
Our clients value our ability to combine global lender access, analytical rigour, and a human approach to execution.
1
Work with Trusted Advisors
Miraya combines private-office expertise with deep understanding of international real estate finance. Each engagement is led by senior professionals who prioritise integrity, transparency, and lasting client relationships.
2
Access a Curated Lender Network
Our relationships span private banks, family offices and specialist lenders across Spain, the UK, and major European centres. We identify and negotiate with the right partners to ensure seamless, cross-border financing execution.
3
Structure with Precision
We specialise in complex and multi-jurisdictional financing, from refinancing and equity release to tailored investment structures. Every solution integrates financial, legal and tax perspectives to ensure clarity and consistency throughout.
4
Expertise in Prime Real Estate Finance
We advise on financing for prime residential, investment and development assets across leading European markets. Our approach blends local insight, lender access and analytical rigour to deliver optimal outcomes for each transaction.
5
Discreet, Bespoke Service
We operate with the discretion and standards of a private advisory house. Each client receives a highly personalised experience, combining technical excellence with refined service and complete confidentiality.
Miraya Experts
As a trusted partner, Miraya complements your expertise and elevates your service through bespoke, high-value financing solutions.
Ángel Hernández
Director Europe
Santi Miarnau
Manager Europe
Let’s Start the Conversation
Complete our Private Wealth Assessment or contact our advisory team to explore tailored financing options.