Question 1

What is NICHÈ?

Accepted Answer

NICHÈ is a real estate and financial firm based in Vigo. We work with a specific client profile: individuals, families and investors making an important patrimonial decision who need judgement, analysis and real support. We don't sell urgency or volume. We direct operations when we believe we can add real value. We combine real estate intermediation, financial structuring, mortgage brokerage and insurance mediation under one team and one working method.

Question 2

Why do you call yourselves a firm and not an agency?

Accepted Answer

Because real estate agency usually means a model based on listing and earning commission. We work differently. We analyse each operation before accepting it, we say no when it doesn't fit and we direct a complete process that almost always crosses real estate with finance. Firm describes better what we do: a multidisciplinary team that signs its name on every operation in the portfolio.

Question 3

Who is behind NICHÈ?

Accepted Answer

A multidisciplinary team of professionals from real estate, finance and legal backgrounds, with previous experience in banking, wealth management and intermediation. The internal structure combines real estate and financial profiles working together from day one. That coexistence is the basis of the NICHÈ method: no real estate decision is understood without its financial scenario, and vice versa.

Question 4

Where is Maison NICHÈ?

Accepted Answer

Maison NICHÈ is located at Rúa Nicaragua 21 Bajo, 36203 Vigo (Pontevedra, Spain). It's our physical workspace and meeting place. We host clients there, hold initial conversations and develop operations that require in-person meetings. It's not a standard office: it's designed for unhurried conversations, not quick transit.

Question 5

In which areas do you operate?

Accepted Answer

Our main working area is Vigo and its metropolitan region. We also operate in Galicia and Madrid through a network of partner professionals and referrals. We don't open a physical Madrid office by strategy: we work on specific operations with direct supervision from Vigo and local support when needed. If your operation is outside these areas, we evaluate it before accepting.

Question 6

Do you work with international clients?

Accepted Answer

Yes. We serve clients based outside Spain who want to buy, sell or invest in Galicia or Madrid. We work in Spanish and English, manage documents remotely and coordinate visits and procedures so the process is viable even if you're not in the country. If there are tax or legal specifics due to your residence, we analyse them before starting.

Question 7

What is the NICHÈ client profile?

Accepted Answer

We work with people making an important decision who prefer to make it with judgement rather than haste. Families buying or selling a primary residence, professionals entering a new life stage, investors structuring patrimony, owners who want to sell well and buyers who want to make well-founded decisions. We don't segment by price, we segment by the quality of the decision behind the operation.

Question 8

How do I know if NICHÈ is for me?

Accepted Answer

If you're looking for someone who says yes to everything, NICHÈ is not for you. If you're looking for someone who analyses your operation with honesty, tells you what they see and directs the process with you (even if the conclusion is not to proceed), we are a good fit. The first conversation is for exactly that: to evaluate together if it makes sense to move forward.

Question 9

Do you accept all operations?

Accepted Answer

No. We accept the operations where we believe we can add real value. When the asset is poorly positioned, the price is unrealistic or the financial scenario doesn't add up, we say so before signing anything. Saying no in time is part of the service. That's what allows us to dedicate full time to the operations we do accept.

Question 10

How do I start a conversation with NICHÈ?

Accepted Answer

The first step is an initial conversation, in person at Maison NICHÈ or remote if you're not in Vigo. You can reach us through the web form, email or phone. Before the meeting we request minimal information about the asset or financial situation so we arrive prepared. That first meeting commits to nothing except an honest conversation from both sides.

Question 11

What happens in the first meeting?

Accepted Answer

We listen. We ask you to walk us through the operation, the context and what you expect to achieve. Then we analyse together what makes sense, what doesn't, what pieces are missing and what the next logical step would be. If we decide to move forward, we deliver a clear proposal with fees, calendar and responsibilities. If we don't, you still leave with something: an ordered reading of your operation.

Question 12

What does the NICHÈ Method consist of?

Accepted Answer

The NICHÈ Method is a five-phase working system: analysis, design, execution, closing and follow-up. We follow that sequence on every operation, with identified responsibilities and clear deliverables. The difference isn't in the steps, it's in the order. We analyse before accepting, design before executing and close before letting go. The method exists so no process depends on the mood of whoever is directing it.

Question 13

Why do the real estate and financial departments work together from the start?

Accepted Answer

Because almost no real estate decision is purely real estate. Buying involves financing, taxation and insurance. Selling involves capital gains, taxes, cancellations and reinvestment. Investing involves structure, return and exposure. If you separate the two conversations, you close having decided without knowing. If you cross them from day one, you decide with judgement. That's why our team works in parallel, not in handoffs.

Question 14

Do I have to hire both departments?

Accepted Answer

No. You can hire only real estate intermediation, only mortgage brokerage, or any service separately. What we always do, at no extra cost, is review the operation from the other side. If you come to sell, we tell you how it affects your taxation. If you come for a mortgage, we tell you whether the property you've chosen makes sense. That cross-check is free and part of the service.

Question 15

What does the principle of withdrawal mean?

Accepted Answer

It means we reserve the right not to accept an operation when, after analysing it, we believe it doesn't fit. And to recommend not moving forward if, mid-process, data appears that changes the picture. We don't charge upfront for accepting, we charge for directing well. The principle of withdrawal is what allows us to keep our judgement: if we can't say no, we can't honestly say yes.

Question 16

What happens if you recommend not doing the operation?

Accepted Answer

We explain it with data and put it in writing if needed. The final decision is always yours. If you decide to proceed despite our recommendation, we can keep accompanying you or step back, depending on the case. And if you decide not to proceed, we hand you the reading of the analysis so you can use it in the future. Telling you not to proceed isn't losing a client, it's earning credibility for next time.

Question 17

How long does an operation with NICHÈ take?

Accepted Answer

It depends on the type of operation and intermediate decisions. A standard purchase usually closes between 8 and 16 weeks from engagement to signing. A financial operation runs 4 to 8 weeks. A sale can range from 6 weeks to several months depending on the asset and market. We deliver a realistic calendar at the start and update it when something changes. We don't promise fast closings, we promise clean ones.

Question 18

Do you work with urgent operations?

Accepted Answer

Yes, when the urgency is the client's and not the process's. If you have a real deadline (a signing date, a tax decision, a chained operation), we adapt. If the urgency is an impulse, we try to lower it before accepting. Operations accelerated without cause usually close badly. Those with a real deadline close on a tight but orderly schedule.

Question 19

What if my situation is atypical or complex?

Accepted Answer

Atypical situations are our territory. Estates being settled, divorces, holding companies, self-employed with irregular income, non-resident taxpayers, properties with liens or open procedures. What matters is bringing all the information to the table from the start. The more complex the scenario, the more necessary it is to have someone directing the whole operation.

Question 20

Can NICHÈ help me sell my property in Vigo?

Accepted Answer

Yes. Vigo is our primary market and we work with deep knowledge of each area: Coia, Bouzas, Teis, Navia, the city centre and surrounding parishes. Before accepting an operation we analyse the asset, the market context and your situation. We only work with properties where we can add real value, with a clear plan and a well-grounded price. If it fits, we commit. If it doesn't, we say so.

Question 21

How does the sales process with NICHÈ work?

Accepted Answer

We work in five phases: analysis of asset and market, design of pricing and go-to-market plan, document and material preparation, demand management and negotiation, closing and signing. At each phase you know what's being done, who's directing it and what the next decision is. The process is orderly by design, not by chance. And it closes when it's closed, not when there's a rush.

Question 22

How do you determine the selling price of a property?

Accepted Answer

We combine three readings: comparative analysis of recent real transactions in the same area and typology, the asset's specific variables (orientation, condition, layout, efficiency, liens) and a reading of the current market moment. We don't use automated estimators or aspirational prices. We deliver a reasoned range, not a single number. The decision on listing price is yours. The reasoning is ours.

Question 23

Why is the listing price so important?

Accepted Answer

Because most of an operation's value is decided there, not in negotiation. A well-positioned price attracts real demand, serious offers and short timelines. A poorly positioned price burns the asset, scares off good buyers and forces later reductions that lower final value. Listing price is the strategy. Negotiation is just the consequence.

Question 24

How much negotiation room does a well-priced property have?

Accepted Answer

When a property goes to market with a well-grounded price, the negotiation margin shrinks significantly. On operations we've analysed correctly, offers usually move within a range close to listing price because buyers understand it's well planned. When the price launches high without basis, the margin widens, offers drop and negotiation becomes a concession. Listing price protects not just value: it protects the conversation.

Question 25

How long does it take to sell a property in Vigo?

Accepted Answer

It depends on the type of property, the area and the listing price. A well-positioned property in an area with real demand can receive serious offers in the first weeks. A poorly priced property can spend months on the market without movement. What matters most isn't the property, it's the positioning. That's why we dedicate time to prior analysis: so when it hits the market, it does so on the best terms from day one.

Question 26

Is it better to list on portals or work with direct buyers?

Accepted Answer

It's not an exclusive choice, it's a question of strategy. In some operations, a discreet launch to qualified buyers protects the asset's value better. In others, the reach of portals accelerates the process. The decision depends on property type, price, target buyer profile and your priorities as owner. We define it with you in the design phase, not improvising on the fly.

Question 27

What are the costs of selling a property?

Accepted Answer

Typical costs include: the energy efficiency certificate (mandatory to list), municipal plusvalía (land value increase tax paid by the seller), personal income tax on capital gain (difference between purchase and sale value), registry cancellation of mortgage if there's outstanding debt, and intermediation fees. Each cost has its logic and calculation. We deliver a clear breakdown before moving forward so you know exactly what to expect.

Question 28

What if my property has been on the market for a long time without selling?

Accepted Answer

First we need to understand why. In most cases, the cause is the original positioning: price, materials, presentation or demand management. We review the asset and history, identify what needs to change and deliver a new plan. Sometimes a price correction is enough, other times the entire launch must be redesigned. What we don't do is keep pushing an operation that was poorly positioned from the start.

Question 29

How do I know if it's the right time to sell my property?

Accepted Answer

It depends on two things: your personal situation (what you need or will do with the capital) and the market moment (rates, demand, comparable supply). If one of the two readings says no, it's worth waiting or adjusting strategy. If both say yes, you need to execute well. We analyse it in the first conversation, without pressure to become a client.

Question 30

What are NICHÈ's fees for selling a property?

Accepted Answer

Fees are determined by asset value, operation complexity and scope of engagement. We work with success-based fees customary in the sector, adjusted to the reality of each operation. We deliver a detailed proposal before signing anything, with closed fees and no surprises. If the operation doesn't close, there's no charge: the only payment is at signing.

Question 31

What makes NICHÈ different from other agencies in Vigo?

Accepted Answer

Three things. One: we work by judgement, not by volume. Each operation goes through prior analysis and we only accept what we can direct well. Two: we cross every real estate decision with its financial reading. Selling isn't just finding a buyer, it's making a good decision about patrimony. Three: we direct the whole operation, from start to finish, with identified responsibilities. We don't pass you from one agent to another. There's a team and a method, and we answer for it.

Question 32

Can NICHÈ help me buy a property in Vigo?

Accepted Answer

Yes. We work the buying side from two distinct positions: as a real estate personal shopper (active search, analysis and negotiation on your behalf) or as technical support if you already have the property identified. In both cases we cross it with the financial and tax reading so the decision is complete. Buying well in Vigo isn't finding a flat, it's making a good decision about an asset that will influence your life for years.

Question 33

What is the buying process with NICHÈ?

Accepted Answer

We start with the briefing: what you're looking for, what budget you have, what financing you need and what timeline you've set. Then we open the search (our own portfolio, open portfolio and off-market). We analyse candidates, organise structured visits and negotiate offers. When there's an agreement, we direct deposit, financing if applicable, and signing. At every step you know what's being decided and why.

Question 34

What taxes apply when buying a property in Galicia?

Accepted Answer

On second-hand homes, the buyer pays Property Transfer Tax (ITP), which in Galicia is around 10 percent with reductions based on personal situation. On new builds, instead of ITP you pay VAT at 10 percent and Stamp Duty (AJD) around 1.5 percent. Add notary, registry and processing fees. We deliver a personalised breakdown before moving forward so you know the real total cost.

Question 35

Does NICHÈ help negotiate the price with the personal shopper service?

Accepted Answer

Yes. Negotiation is one of the core pieces of the service. We arrive with comparative analysis, asset reading and technical argumentation. We don't just negotiate price: we also work on terms, cost allocation, furniture, outstanding liens and any point that can tip the balance. Good negotiation often recovers many times the cost of the service.

Question 36

How long does a complete buying process take?

Accepted Answer

Between 8 and 16 weeks is the typical range, from engagement to notary signing. Search can take weeks or months depending on the profile; deposit is usually signed within days of agreement; the notary phase can range from 4 to 8 weeks if there's financing. We deliver a tentative calendar at the start and update it as real deadlines appear.

Question 37

Can I buy a property if I need a mortgage?

Accepted Answer

Yes, and it's actually one of the scenarios where coming to NICHÈ makes most sense. If you need financing, we work it in parallel with search and negotiation: prior validation with several lenders, capacity analysis and realistic simulation. Buying without knowing what financing you have is buying blindfolded. Buying knowing what you'd sign is buying with judgement.

Question 38

What if I can't find what I'm looking for among listed properties?

Accepted Answer

That's the usual scenario. Most well-positioned operations don't close on public listings. We activate our own portfolio, contacts with other professionals and proactive sourcing (including properties that aren't yet for sale but could be). That work is invisible and we do it: you only receive candidates worth serious analysis.

Question 39

Can I buy a property in Vigo from outside Spain?

Accepted Answer

Yes. We manage purchases for non-resident clients with remote coordination: recorded visits, documented technical analysis, notarial proceedings via power of attorney and prior tax review. The important thing is to clearly resolve two points: how you finance and how you handle taxation as non-resident. We work on it before opening the search to avoid surprises.

Question 40

How is NICHÈ different from searching on Idealista or Fotocasa?

Accepted Answer

Portals are a supply showcase. Our job isn't to show you that showcase, it's to analyse what exists (listed and unlisted), filter by your situation and direct the entire process to signing. Searching portals yourself makes sense if you only want to explore. When you already have a decision on the table, the conversation changes: you stop needing listings, you start needing judgement.

Question 41

What kind of properties can I buy with NICHÈ?

Accepted Answer

Primary residence, second home, new build, property for renovation, rental investment or patrimonial product. Typology doesn't limit us. What we do evaluate before accepting the engagement is whether the operation makes sense for you and fits what we do well. If we can't add value, we say so. If it fits, we open the process.

Question 42

What does NICHÈ do that a traditional mortgage broker wouldn't?

Accepted Answer

A traditional broker usually accompanies you to apply for a mortgage. We work earlier: we analyse whether it makes sense to take on debt in your situation, what structure suits you (term, system, amount), what impact it has on your taxation and liquidity, and which lenders fit your profile. A mortgage isn't a product, it's a piece within your patrimonial decision. That's why we treat it as such.

Question 43

What are NICHÈ's fees for structuring financing?

Accepted Answer

Fees depend on the financed amount and case complexity. We deliver a closed proposal before signing anything, with everything itemised: analysis, management, lender negotiation and follow-up to notary signing. We don't charge upfront for accepting the engagement. If the operation doesn't close, there's no charge. Payment is tied to results.

Question 44

Is fixed or variable rate better in the current context?

Accepted Answer

There's no universal answer. It depends on your time horizon, risk tolerance, capacity to absorb rate increases and global financial plan. A fixed-rate mortgage gives you certainty; a variable usually starts cheaper but exposes you to Euribor evolution. Mixed combines both over time. We decide it with you based on your situation, not the moment's trend.

Question 45

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

Accepted Answer

The bank offers you its product. We analyse several and negotiate with all. A bank doesn't compete with itself. We can put several to compete for your operation. That usually translates into better terms (rate, linked products, fees) and a more balanced conversation. The savings on terms usually cover the fee several times over.

Question 46

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

Accepted Answer

An online comparator shows you standard offers, without knowing your real situation. A mortgage broker negotiates your specific case with the specific lender, presents your well-built file and resolves objections that come up. What decides the final offer isn't the showcase, it's the conversation with the bank. And that conversation needs judgement, not a search engine.

Question 47

How long does it take to structure a mortgage with NICHÈ?

Accepted Answer

Between 4 and 8 weeks on standard scenarios, from first analysis to notary signing. The timeline depends on your documentation, the property, the bank and notary availability. We deliver a realistic calendar at the start. If something shifts due to an incident, we communicate immediately. We don't promise timelines we don't control, we manage them honestly.

Question 48

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

Accepted Answer

No. In fact, the ideal is to come earlier. If we work with you without a fixed property, we can give you prior validation that supports your negotiation when the right asset appears. Knowing what financing you have before making an offer changes your position at the table entirely.

Question 49

Do you work with all banks?

Accepted Answer

We work with the main Spanish lenders, generalist banks, specialist banks and private banking depending on the operation profile. Our independence from lenders is what lets us recommend objectively. We have no exclusives that force us to push one bank over another.

Question 50

What documents do I need to start?

Accepted Answer

The minimum for a first analysis: ID, last three payslips or equivalent, latest tax return, employment history, last six months of bank statements, detail of outstanding debts and, if you pay rent, recent receipts. If you're self-employed or run a company, we expand the documentation. We deliver a complete checklist from first contact so there are no unnecessary trips.

Question 51

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

Accepted Answer

Yes. We review the offer on the table, question it point by point, negotiate with that same lender and open two or three others in parallel. In many cases we improve the original offer just by putting real alternatives on the table. In others, the initial offer is already reasonable and we validate it and accompany you to signing.

Question 52

What if I can't get the mortgage?

Accepted Answer

Two scenarios. One: the operation isn't viable right now. We tell you early, explain what would need to change for it to be (income, savings, taxation, term) and hand you a roadmap. Two: the operation is viable but requires positioning adjustments. We redesign it. We don't push for the impossible: it saves you time and saves us time too.

Question 53

Does the service include clause review?

Accepted Answer

Yes. We review the binding offer, the FIPER content and the deed draft before signing. We identify sensitive clauses, linked products worth questioning and terms negotiable even in the final stretch. Arriving at notary without having reviewed the document means giving away negotiation margin.

Question 54

Do you work with self-employed or variable income profiles?

Accepted Answer

Yes. A significant portion of our clients are self-employed, entrepreneurs or professionals with non-linear income. The file requires more work (model 100, 130, 303, 390, income justification, related companies) and the bank conversation is different. That's precisely where the method adds most value: translating your situation well into the bank's language.

Question 55

What percentage of financing can I get?

Accepted Answer

The market standard is 80 percent of appraisal or purchase value (whichever is lower). On certain profiles and lenders you can reach 90 or 100 percent, though it usually involves stricter terms. We define it at the start based on your real profile, not the commercial headline. Knowing your ceiling before making an offer prevents signing deposits you couldn't sustain.

Question 56

Can I combine this service with others from NICHÈ?

Accepted Answer

Yes, it's the usual scenario. Most of our clients hire financing together with real estate intermediation (buying or selling) or with insurance mediation. Working the pieces in parallel saves time and produces more coherent decisions. If you only need financing, we also do it as a standalone service.

Question 57

Does NICHÈ work with investors?

Accepted Answer

Yes. A relevant part of our portfolio are investment operations: property purchases for residential rental, buy-to-renovate-and-resell, acquisitions of patrimonial product and portfolio operations. We work with private investors, holding companies and family offices.

Question 58

How does the investment service differ from the standard one?

Accepted Answer

The investment service incorporates yield analysis, scenario simulation, vehicle taxation (individual or company), financial structure and exit plan. We don't just look for a pretty asset: we look for an asset that meets specific return and exposure goals. The conversation is different because the decision is too.

Question 59

Do you do yield analysis?

Accepted Answer

Yes. We deliver analysis with three readings: gross yield on total price, net yield on invested capital (after costs, taxes and financing) and scenario-adjusted yield (including vacancy, maintenance and appreciation). It's the minimum information for a serious investment decision. What isn't analysed gets confused with good luck.

Question 60

Do you work with properties outside the open market?

Accepted Answer

Yes. An important part of the product we direct isn't listed on portals. We work on our own portfolio, agreements with other professionals and proactive outreach to owners. For investment it's especially valuable because most well-positioned product closes before hitting the market.

Question 61

Do you handle new build for investment?

Accepted Answer

Yes. We direct new build operations for both primary residence and investment. The analysis differs from second-hand: we evaluate delivery timeline, reservation contract terms, real specifications, market comparable at delivery time and chained financing. If the operation fits, we direct it to signing.

Question 62

What kind of investment operations do you accept?

Accepted Answer

Operations where we can add real value: serious analysis, negotiation, financial structure and process direction. We don't work with large low-ticket portfolios in parallel or with high-risk speculative product. We do work with individual operations or small portfolios where prior analysis and process direction make the difference.

Question 63

Do you work with international investors?

Accepted Answer

Yes. We serve non-resident investors on operations in Galicia and Madrid. We cover remote analysis, document management, coordination with local tax advisory, notarial proceedings via power of attorney and, where appropriate, subsequent rental management. The operation is designed taking your tax residence into account from the start.

Question 64

Do you also manage the rental after the purchase?

Accepted Answer

Not directly. Ongoing rental management is coordinated with specialist partners we work with regularly. What we do is ensure the asset is bought with a coherent operating plan, help you prepare the first market launch (price, terms, tenant profile) and supervise the first lease. From there, daily operations are handled by a specialist manager.

Frequently asked questions

About NICHÈ

The method

Selling with NICHÈ

Buying with NICHÈ

Mortgages

Real estate investment

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