Invest in Discounted Debts

Discounted Debts are mortgage loans where borrowers stopped paying. Banks sell these loans—together with their real‑estate collateral—on the secondary market at a discount.

A servicing company selects and acquires non-performing loans on the secondary market, focusing on debt recovery and restructuring. Investment returns are generated after the sale of the real estate that backs the debt, which may take place on the open market, at auction, or through an out-of-court settlement with the borrower.

For banks, the strategic, regulatory, and financial benefits of selling non-performing loans (NPLs) often outweigh the potential gains from holding them. For investors, this creates an opportunity to achieve higher returns from products backed by real estate collateral.

All Discounted Debts are backed by Spanish bank–quality mortgages as collateral. These loans have been assessed and issued by banks in line with established EU credit policies.

You’re entitled to proceeds from the sale of the property, typically generating double-digit returns within 24 months.

Majority of the offered debts are secondary residences. Indemo proprietary investment platform features a map and street view, visual notifications, independent property valuations by well known valuation agencies, and a range of other tools for enhanced transparency and user engagement.

All Discounted Debts we offer originate from Spain, an EU and Eurozone member state with a stable and predictable legal and political environment. With a developed housing market, Spain presents a particularly strong case for collateral-backed investment strategies.