NPL · Mortgage debt
Non-performing loans bought at a steep discount: you take the creditor position and reach the property below market.
Invest in Santander
Discounted real estate in Santander: non-performing loans (NPL), bank-owned assets (REO) and auctions, each one selected and audited.
In Santander we gather investment opportunities below market value. Every asset goes through legal due diligence and a sourced valuation before you see it.
Santander in figures
There are currently 41 assets listed in Santander in the Arkos catalogue. 35 of them are listed masked: they appear in search without price or address and their page asks for access. Published prices run from €69,000 to €277,000, with a median of €91,350. The median price per built square metre is €1,259/m². The most common opportunity is REO · bank-owned (93% of the inventory) and the most common property type is homes.
By opportunity type
- REO · bank-owned38 assets
- NPL · mortgage debt2 assets
- Auction bid assignments1 asset
By property type
- Homes18 assets
- Retail premises5 assets
- Land and plots4 assets
- Flats3 assets
- Houses and villas2 assets
- Offices2 assets
- Industrial units1 asset
Count of the public catalogue, updated on October 1, 2026.
What you can buy in Santander
REO · Bank-owned
Assets already owned by the bank. Immediate title by deed, with no pending court process.
Auctions
Public-auction assets and bid assignments, with short timelines and a keen entry price.
Opportunities in Santander
41 listings available
REOPrime
Home · 101 m² · 2 beds · 2 baths
Built 2008
- 1,436 €/m²
- +14% vs. area
- 7 %
- Gross yield
Estimated value €217,000
−33 %
€145,000
REO with possessionPrime
Home · 58 m² · 2 beds · 1 bath
Built 1920 · Vacío
- 1,190 €/m²
- −5% vs. area
- 11.8 %
- Gross yield
Estimated value €82,000
−16 %
€69,000
REOPrimeSold
Flat · 88 m² · 2 beds · 2 baths
Built 2008
- 3,148 €/m²
- 4.5 %
- Gross yield
Estimated value €426,000
−35 %
€277,000
REOPrime
Flat · 85 m² · 2 beds · 1 bath
Built 1968
- 1,327 €/m²
- +5% vs. area
- 8.5 %
- Gross yield
Estimated value €212,000
−47 %
€113,000
Photos with Arkos Prime
REO without possessionPrimeSold
House · 382 m² · 5 beds · 2 baths
Built 1958 · Sin Posesión
- 2,611 €/m²
Estimated value €1,230,000
Price on request
Photos with Arkos Prime
REOPrime
Retail unit · 253 m² · 1 bath
- 530 €/m²
- −58% vs. area
Estimated value (area) €319,000
Price on request
Photos with Arkos Prime
REOPrime
Photos with Arkos Prime
REOPrime
Retail unit · 59 m² · 1 bath
- 966 €/m²
- −23% vs. area
Estimated value €61,100
Price on request
NPLPrime
Home · 75 m² · 2 beds · 1 bath
Built 1983
- 50 %
- Debt / value
Estimated property value €143,000
−76 %
€34,900
Photos with Arkos Prime
REOPrime
Property · 3 m²
Built 1984
- 1,259 €/m²
- Area average
Estimated value €12,000
Price on request
Photos with Arkos Prime
REOPrime
Home · 73 m² · 3 beds · 2 baths
- 1,233 €/m²
Estimated value €90,300
Price on request
Photos with Arkos Prime
REOPrime
Towns near Santander
Other towns in the province of Cantabria with their own inventory, each with its own page.