No result, no invoice.
Our fee is 1 % of the loan actually arranged, payable only if the financing goes through. No IVA. No upfront payment. No handling charge if it does not work out.
The calculation in one sentence
If the financing completes, you pay 1 % of the loan amount actually arranged — not of the purchase price. If the loan ends up smaller than planned, the fee is smaller too. If no financing materialises, you pay nothing.
| Loan arranged | Fee (1 %) | Payable |
|---|---|---|
| €200,000 | €2,000 | on completion |
| €350,000 | €3,500 | on completion |
| €600,000 | €6,000 | on completion |
Illustration of how the fee is calculated. Not a credit condition and not a statement about interest rates.
Because otherwise we would owe our loyalty to the bank, not to you
In the Spanish and Portuguese non-resident market, a broker paid solely by the lenders effectively works for whichever bank pays best — and sends you there, rather than to the lender where your case actually fits.
Our fee comes from you. That settles the question of loyalty — and it lets us tell you when a property or a constellation does not hold, without honesty costing us money.
- Success-based: no approval, no invoice. We carry part of the risk of rejection.
- No hidden mark-up: the fee is not built into the rate and not added to the loan.
- Agreed in advance: the amount is fixed before the first application is submitted.