Kirior Invest · Property investment

Invest in property with clear numbers and with people who know how to build.

Bank-owned homes to renovate, new builds reviewed by development experts, and full management of your renovation, whether to add value or to rent out.

Join the list Calculate my debt ratio

Bank-owned property
New builds reviewed
Renovation management

Marina y Flor revisando una vivienda en obra

The opportunities we look for

Two ways to invest, examined in detail

Bank-owned

Homes that need renovating

Properties from banks that aren't ready to move into. That's exactly why there's less competition and room to create value.

We give you the estimated renovation cost before you make an offer
We check condition, charges and land registry status
We calculate the post-renovation value with local market data

New build

Developments reviewed from the inside

We spent over 10 years working inside property developers. We don't read brochures: we analyse projects.

Realistic completion dates
Contract clauses and bank guarantees for your deposits
The developer's financial strength and track record

Our fees depend on the type of transaction. We explain them clearly before we start.

Renovation management

We buy well. We renovate with a purpose.

A renovation to sell is not the same as one to rent out. We define the strategy with you and manage the works from start to finish.

To add value

Buy, renovate and sell. We invest where buyers pay more: layout, kitchen, bathrooms and light.

To rent out

Long-term or room by room. Durable materials, easy maintenance and a home that rents quickly.

Visit and assessmentWe view the property with you and tell you what's worth changing.
Plan and budgetBefore you buy, so the renovation fits your numbers.
Coordinated worksTrusted tradespeople, deadlines and quality control.
Ready to sell or rentProgress updates with photos and handover ready for its new use.

Free tool

Calculate your debt-to-income ratio

Before you start searching, it helps to know how far you can go. Banks usually check that your total debt repayments don't exceed 30–40% of your net income.

Your debt-to-income ratio

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0 %30 %40 %60 %+

Mortgage needed –
Estimated monthly payment –
Loan-to-value –
Purchase taxes and costs (approx. 10–12%) –

Indicative calculation only. This is not a mortgage offer: each bank applies its own criteria.

Want the real figures? Through Kirior Finance we connect you with independent mortgage brokers, at no cost from us.

Opportunities list

Tell us what you're looking for and we'll let you know when it comes up.

We only contact you when a deal's numbers add up. Our main area is the Valencia region, and we also work in Murcia, Tarragona and Lleida.

Join the opportunities list

We will call you to understand your profile and let you know about deals that fit.