Terms and Conditions

1. Identification of the service provider

The website realdream.finance is owned by:

Realdream Finance is the trading name of Roberta Navigli Severini, self-employed in Spain. The credit intermediation service is provided under her registration as Intermediario de Crédito Inmobiliario (ICI) in the Banco de España register under number E773 (registered 15/07/2026).

NIF: Y4686291-D

2. Subject matter and scope

These Terms and Conditions govern users’ access to and use of the website realdream.finance, as well as requests for information and services through the contact forms on the site.

The actual delivery of the services offered by Realdream Finance (mortgage intermediation, property due diligence, non-resident tax management, NIE and bank account, refinance, wealth tax planning) is subject to signing a specific service contract, separate from these Terms, which will set out in detail the parties’ obligations, the applicable fees, delivery times and guarantees.

3. Services offered

Realdream Finance offers, including through qualified partners, the following services for persons who are not tax resident in Spain and intend to buy or manage property there:

• Mortgage credit intermediation for non-residents, under Ley 5/2019 reguladora de los contratos de crédito inmobiliario. Provided as a credit intermediary entered in the Banco de España register (no. E773).
• Pre-purchase property due diligence carried out through partner lawyers qualified in Spain.
• Tax management for non-residents (Modelo 210, IRNR, wealth tax, Modelo 720, capital gains) carried out through partner gestoría and accountants.
• Ancillary services: obtaining the NIE, opening a bank account in Spain, coordination with the notary.
• Refinance / Subrogación / Renegociación of existing mortgages in Spain.
• Wealth tax planning for individuals with significant assets in Spain.

4. Use of the site

Access to the site is free and open. Users undertake to use it in accordance with the law, these Terms, public order and accepted standards of behaviour, and not to carry out unlawful activities, activities harmful to third-party rights, or activities liable to damage the site itself or third parties.

It is prohibited to use the site to:

• Distribute unlawful, defamatory or obscene content, or content harmful to the dignity of others
• Attempt unauthorised access to systems or databases
• Send unsolicited communications or spam
• Distribute viruses, malware or malicious code
• Collect other users’ data without authorisation

5. Contact requests and lead qualification

Completing the contact forms on the site (pre-qualification form, review request, specific service request) constitutes a request for preliminary information and creates no contractual obligation for either the user or Realdream Finance.

On receiving a request, Realdream Finance will contact the user typically within 24 working hours, by email or telephone depending on the type of request; where useful, a free introductory call may be offered. Users may withdraw their request at any time by writing to info[at]realdream.finance.

The delivery of any service is subject to signing a specific service contract.

6. Pricing and payment terms

The prices shown on the site are indicative prices published for information purposes. The final price for each service is communicated to the user at personalised quotation stage and formalised in the specific service contract.

Pricing for mortgage and refinance intermediation follows a success-based model: the client fee is due only if the transaction closes successfully. One-off services (NIE, due diligence) and annual subscriptions (tax, advisory) involve specific payments governed by their respective contracts.

7. Limitation of liability

The content of the site is provided for information purposes. Realdream Finance makes every reasonable effort to keep it accurate and up to date, but does not guarantee it is entirely free of errors or omissions, and accepts no liability for:

• Decisions taken by the user on the basis of the site’s informational content alone
• Legislative changes occurring after the content was published
• Force majeure, technical system failures, temporary unavailability of the site
• The content of third-party websites the site links to

Contractual liability for the actual delivery of services is governed by the respective service contracts, including any professional guarantees covered by the professional indemnity policies of the qualified partners (lawyers, gestoría, accountants) involved in performing them.

8. Intellectual property

All content on the site (text, graphics, logo, images, code) is protected by intellectual and industrial property rights owned by Realdream Finance or licensed to it. Unauthorised reproduction, modification, distribution or use is prohibited.

10. Processing of personal data

The processing of personal data is governed by our Privacy Policy, which forms an integral part of these Terms.

11. Cookies

The use of cookies on the site is governed by the Cookie Policy, which forms an integral part of these Terms.

12. Changes to the Terms

Realdream Finance reserves the right to amend these Terms at any time, giving notice through the site. Amendments take effect on publication. Continued use of the site after publication constitutes tacit acceptance of the changes.

13. Governing law and jurisdiction

These Terms are governed by Spanish law, in particular:

• Ley 5/2019, de 15 de marzo, reguladora de los contratos de crédito inmobiliario
• Ley 34/2002, de servicios de la sociedad de la información y de comercio electrónico (LSSI-CE)
• Reglamento (UE) 2016/679 (GDPR) and Ley Orgánica 3/2018 (LOPDGDD)
• Real Decreto Legislativo 1/2007 (Texto Refundido de la Ley General para la Defensa de los Consumidores y Usuarios) for Spanish consumers

For any dispute arising from the use of the site or the delivery of the services, the competent courts are those of Barcelona, Spain, without prejudice to any mandatory consumer-protection rules that may provide otherwise.

For consumers not resident in Spain, the right to bring proceedings in the courts of their country of residence remains unaffected where mandatory EU rules so provide.

14. Out-of-court dispute resolution

The European Online Dispute Resolution (ODR) platform ceased operating on 20 July 2025, following the repeal of Regulation (EU) 524/2013 by Regulation (EU) 2024/3228. For financial services, the out-of-court route remains the one described in section 9 (Complaints procedure): first our Customer Service, then the Servicio de Reclamaciones del Banco de España.

15. Contact

For any question relating to these Terms, write to us at info[at]realdream.finance.