As an independent mortgage broker in Barcelona, I can help you at different stages of a mortgage transaction, i.e, from initial advice to analysing your case and full support throughout the entire process up to signing.

Further up on this page you can see in detail all the services I offer, including:

– Mortgage search and management for different profiles
– Subrogation or improvement of an existing mortgage
-Negotiation and review of operations related to the purchase of a property
– Valuation and coordination of the process with lenders and professionals

Each case is unique, so the first thing I do is analyse your situation and see whether I can assist you before we start working together.

Although I am based in Barcelona, I work with mortgage operations across all of Spain.

Thanks to the way I work and my relationships with different banks, I can support transactions anywhere in the country, both in person and remotely.

The only exception is Ceuta and Melilla, where I currently do not handle operations.

Many clients contact me from other cities or even from abroad, especially when they need someone to analyse their case, negotiate with banks and support them throughout the entire mortgage process.

Yes.

All mortgage brokers who act as intermediaries in real estate credit transactions must be registered in the Bank of Spain’s Register of Real Estate Credit Intermediaries, as established by Law 5/2019 of 15 March, which regulates real estate credit agreements.

My registration number as a real estate credit intermediary is D184.

This registration guarantees that I comply with the legal requirements to carry out all real estate activities and to provide mortgage advice with the guarantees established by the regulations.

It depends on the type of assistance you will require.

If you want an initial consultation to analyse your mortgage transaction, the service starts from €181.50.

For full support throughout the entire mortgage process, fees can go up to €5,100 for individuals and €5,600 for companies respectively.

There are other services related to mortgage transactions —such as deposit contract review, negotiation with banks and subrogation or improvement of terms— which cost depends on the type of service and the work required in each case.

Therefore, the first thing i do is to analyse your situation and see how I can assist you, so I can clearly explain which service is most suitable and it’s cost before we begin.

Once we decide to work together on your mortgage transaction, a collaboration agreement is signed. At this point, an upfront payment of €300 is required, which starts the process and analysis of your case.

The remaining amount, up to the agreed fees, is paid on the day of completion of the transaction, via bank transfer.

In this way, you know from the start what the cost of the service will be and when each payment is made.

Not all banks pay commission when a mortgage is formalised. Some lenders do, but others don’t.

When i analyse different mortgage offers, I clearly state which lenders pay a commission and which don’t, so that you have all the information on the table.

In any given case, the decision is not based on the commission but on which mortgage best fits the situation. The interest rate, terms, linked products or the flexibility each bank offers. That’s why we always review several options and decide together which one makes the most sense for your case.

To start working together, a collaboration agreement is signed and an upfront payment of €300 is made. This amount corresponds to the initial analysis of your case and the commencing of the work, thus it is non-refundable.

If during the process you decide not to continue with the transaction (whether it is a purchase, a mortgage improvement or any other mortgage-related process), that will be the only cost you will have incurred.

Only in the case that we reach a binding offer signed by the bank, will the next payment be 1,800, which is also non-refundable, as the main negotiation work with the lenders will already have been carried out.