Question 1

What does NICHÈ do that a traditional mortgage broker would not?

Accepted Answer

A traditional mortgage broker starts when you already have a property in mind and needs to close the financing. Their incentive is to formalize the loan. At NICHÈ we come in earlier. We analyze your real financing capacity even before you decide which property to consider. We cross the real estate operation with the financial structure, because the two decisions affect each other. And we work without pressure to close. If the operation does not make sense on the proposed terms, we say so. We do not represent any banking institution. We represent your criteria, not their product.

Question 2

What are NICHÈ fees for structuring the financing?

Accepted Answer

We work with a fee model agreed before starting, not on bank commission. This changes the incentive of the conversation. We do not earn more for placing you with one institution or another, nor for signing a longer term. The specific structure depends on the type of operation: whether it is a standalone mortgage, integrated with a purchase we are advising on, or part of broader financial support. In the first meeting, we review your case and present the cost before moving forward. You will always know what you pay, why you pay it, and what it includes.

Question 3

Is a fixed or variable rate mortgage more convenient in the current context?

Accepted Answer

It depends. There is no universal answer and you should be wary of anyone who gives one. The choice between fixed and variable depends on your expected amortization period, your risk tolerance, your ability to absorb payment increases, reasonable expectations about the evolution of rates and, above all, how much weight the installment carries in your economy. A fixed mortgage gives you predictability in exchange for usually paying a bit more at the start. A variable one may end up cheaper, but exposes you to Euribor movements. In the prior analysis we cross these variables with your specific profile, not with a generic recommendation.

Question 4

What do I get by going to NICHÈ instead of directly to the bank?

Accepted Answer

The bank offers you its product. Only its product. At NICHÈ we negotiate with the majority of market institutions from an independent position, which in practice means we compare real offers, not the ones that appear in simulators. And we do so with a prior analysis of your profile that is already closed before we sit down with the bank. That changes the negotiation. Additionally, if your operation also includes a property purchase, we integrate the two decisions so they support each other. A bank does not do that. Nor does it have an incentive to do so.

Question 5

What is the difference between a mortgage broker and an online comparator?

Accepted Answer

An online comparator shows you standard offers published by institutions, calculated from the data you enter. It does not negotiate. It does not analyze your real profile. It does not cross your operation with the financial structure. And often, the conditions it shows are not the ones that ultimately apply to you when you sign. A broker, properly set up, conducts a prior analysis of your capacity, negotiates conditions with institutions based on your specific profile, and accompanies you through to signing. The difference is not the technology. It is the criteria applied to your case.

Question 6

How long does the process of structuring a mortgage with NICHÈ take?

Accepted Answer

The prior capacity analysis and strategy design are usually completed in one or two weeks, depending on how quickly the documentation is gathered. The negotiation phase with institutions typically takes between two and four weeks. Formalization, once an offer is accepted, follows the legal timelines for signing the FEIN and the deed, which can add a few more weeks. In total, a well-run process is usually between six and ten weeks. It does not make sense to rush it if that compromises the analysis.

Question 7

Do I need to have chosen a property to request the service?

Accepted Answer

No. In fact, we recommend the opposite. The financing capacity study is the first thing it makes sense to close, even before starting to search for a property. It allows you to focus the search on what you can really pay for, without wasting time on operations that do not hold up. It also avoids a far too common situation: falling in love with a property that the bank later does not finance under the conditions you expected. Structuring the financing first and choosing the asset later is an order that protects the operation.

Question 8

Do you work with all banking institutions?

Accepted Answer

We work with the vast majority of relevant institutions in the Spanish market: commercial banks, neobanks, specialized financers, and regional savings institutions. Not with all, because some do not fit the quality criteria we apply. The list of institutions we negotiate with is not static: we review it based on the conditions each one offers and the type of operations we see. What matters is not how many institutions are on the list, but which ones fit your specific profile. That is defined in the prior analysis.

Question 9

What documentation do I need to start?

Accepted Answer

For the prior capacity analysis we need the basics: ID or NIE, the last three payslips or equivalent if you are self-employed, the latest tax return, an updated employment history, bank statements from the last six months, information about current debts (loans, cards, ongoing financings) and rent receipts if you are a tenant. If the operation is with a partner or co-owners, the same for each person. In later phases we will request additional documentation specific to each institution. We will ask for it as it is needed, not all at once.

Question 10

Can I use your service if I already have an offer from a bank?

Accepted Answer

Yes. In fact, it is a common situation. Having an offer on the table gives you a reference point, but it does not guarantee that it is the best you could obtain. What we do is review the offer in detail (rate, term, ties, fees, relevant clauses), compare it with what the market offers for your specific profile, and negotiate against it. Often the result is improving the initial proposal. Other times the offer is good and we confirm it. In both cases you sign with criteria, not with doubts about whether you could have gotten something better.

Mortgages

Most mortgage mistakes do not happen at signing.

How we structure the financing

We listen

We analyze

We design the strategy

We present it

We lead the process

We formalize

Want to know your real financing capacity before searching for a property?

Frequently asked questions about mortgages

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Guides to decide with criteria

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