Mortgages

A mortgage broker analyses your financial profile, designs a financing strategy and negotiates with multiple banking institutions on your behalf to secure the best possible conditions. Unlike a bank, they have no proprietary product to sell: their job is to find the mortgage that best fits your situation.

Fees depend on the complexity of the transaction. We detail them transparently before starting the service, with no fine print or hidden costs. We only charge if the mortgage is formalised.

There is no universal answer. It depends on your risk tolerance, your time horizon, the amount financed and market conditions at the time. At NICHÈ we analyse your specific case and recommend the structure that makes most sense for you, not the one that is easiest to sell.

In most cases, yes. A broker has access to offers from multiple lenders, negotiation volume and knowledge of each bank's internal margins. This allows negotiating conditions that an individual would find difficult to achieve on their own.

A comparison tool shows standard published offers. A broker negotiates personalised conditions with each lender based on your profile. Additionally, a broker accompanies you through the entire process: analysis, documentation, negotiation and signing.

It depends on the complexity of the case and the speed of the lenders, but typically between 4 and 8 weeks from when we begin the analysis to signing before the notary.

No. In fact, we recommend starting the financial analysis before searching for a property. Knowing your real financing capacity allows you to search with judgement and negotiate from a stronger position.

We have agreements with the vast majority of Spanish market lenders. We are not tied to any, which allows us to always recommend the one that best suits each client.

For the initial analysis we need: recent payslips or tax return, employment history, recent bank statements and details of existing debts. We guide you through every step.

Yes. In fact, it is a frequent situation. We can evaluate that offer, compare it with others on the market and negotiate improvements. We often achieve better conditions starting from an existing offer.

If after analysis we conclude that the transaction is not viable under current conditions, we communicate this clearly and explain what you would need to change. We do not charge if the mortgage is not formalised.

Yes. We review all conditions of the mortgage contract: early repayment clauses, fees, tied products, insurance and any condition that could affect you.

Yes. In fact, these profiles are where a broker adds most value. We know which lenders are most receptive to non-standard profiles and how to present the file to maximise options.

It depends on the type of transaction and your profile. For a primary residence, typically up to 80% of the appraisal value is financed. In some cases, with solvent profiles, it is possible to reach 90% or more. We analyse it case by case.

Yes. In fact, coordination between the real estate and financial departments is one of our main advantages. When the purchase and financing are managed in an integrated way, decisions are better and timelines tighter.