Pricing
No "fee on request", no surprises at completion.
Every cost is listed below. Questions? Start here.
Mortgage brokerage
Success-based: you pay only if the bank approves.
1% of the amount borrowed
minimum €3,900 · you pay only if we get the mortgage
What you pay, in practice
1% of the amount borrowed, with a minimum of €3,900.
Fee exempt from VAT (sector exemption in Spain).
Due diligence
Before you sign and pay the deposit, we check the property is safe to buy. In Spain the notary does not run all the checks: here is what we check →
Legal, planning, land-registry, debt and physical condition checks on the property.
1% of the value
of the property · minimum €2,500
e.g. €250k → €2,500 · €400k → €4,000 · €600k → €6,000 · above €1M: bespoke quote
Together with the mortgage it costs 15% less — e.g. on €400,000: €4,000 → €3,400.
Due diligence is an independent service: it is paid on activation, regardless of the mortgage outcome.
Changing property? If the due diligence rules the property out, from the second one onwards every check is at 50% (standard properties, within 6 months).
Other services
Paperwork, tax, and managing the mortgage over time.
NIE €500 + bank account €200, bundled together €600.
Details →Modelo 210, rentals and deadlines handled. Three packages: Base €390, Rental Plus €790, Investor/HNWI from €1,500. First year included with a mortgage or due diligence.
Details →Renegociación €1,500 · Subrogación 1% (min €3,900). You pay only on completion.
Details →For those with property or significant assets in Spain: audit, wealth tax, ownership structure.
Details →Together
Take the mortgage and the due diligence together and the discount is automatic.
It is more efficient for us to run, and we pass that back to you.
Example on a €400,000 purchase: mortgage (€3,900) + due diligence (€4,000 → €3,400 with the mortgage) = €7,300 in total instead of €7,900.
What you get
Not just arranging the mortgage: the whole journey, under one advisor.
You pay us too, not only the bank: we work for your best rate, not for whoever pays the broker most.
With you we speak English; with banks, notaries and public offices we deal in Spanish. At the moments that matter you are not translating and not risking a misunderstanding.
Legal, planning and debt checks before you sign — optional, discounted when combined with the mortgage.
Mortgage, NIE, bank account, tax and post-purchase from a single contact: no chasing five professionals.
The price list is on this site, the fee is VAT-exempt, no "fee on request" and no surprises at completion.
Success-based fee: if the bank does not approve, you do not pay the mortgage fee.
Pricing FAQ
Brokers who live ONLY off the bank commission have an incentive to push you towards the bank that pays the broker most, not the one with the best offer for you. By paying a fee too, you "buy" our independence: we work for your best rate. That is transparency, not a rip-off.
The mortgage fee is paid ONLY on a positive decision from the bank (success-based): settled before completion. Any out-of-pocket costs (for example the valuation the bank requires) are yours, and we tell you about them beforehand, with no surprises. Due diligence is paid 50% at the start and 50% on delivery of the report.
You do not pay the mortgage fee (success-based). You only cover the out-of-pocket costs already incurred (for example the bank valuation, if you authorised it) — stated beforehand, never a surprise.
"Free" brokers are paid only by the bank: their incentive is the bank, not you. They often act as pure paper-pushers — forwarding the application without building it around your profile to maximise the chance of approval and find the better deal. Almost none of them run due diligence on the property, which is where the expensive surprises live. With us you pay a clear fee and in exchange you get independence from the bank, an application built specifically for you, the property checked before you sign, and one advisor from first contact to completion. You know exactly what you are paying for and why.
The mortgage fee is VAT-exempt under the sector exemption in Spain. For the other services the taxable amount is itemised in the quote.
Yes: they are à la carte, you activate them only if you need them and pay for them separately, with a discount if you take them alongside the mortgage. Unlike the mortgage fee (success-based), these are paid on activation, regardless of how the mortgage turns out.
No. If the report shows serious issues and you decide not to proceed, the due diligence has done its job. From the second check onwards we apply a 50% discount on due diligence for the same client, within 6 months, on standard properties of comparable documentary complexity — whether you are comparing several houses in parallel or looking for another one after a rejection.
Yes: non-resident tax (Modelo 210, rentals and deadlines) is an annual subscription, from €390/year, cancellable whenever you want. The first year is included if you take a mortgage or due diligence with us. The other services (mortgage, DD, NIE) are one-off.
Answer a few guided questions: 90 seconds. You will get indicative costs for your case within 24 working hours.
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Assistente Realdream
Mutuo, casa e burocrazia in Spagna
AI assistant: it can make mistakes. For decisions, check with the team.
