Paso 01
Reply within 24 h
Tell us the case
Price, savings, income, debts and timing. Within a day we say if it is viable and which banks fit. If it does not work today, we explain what would get you closer.
Method
How we work: from your first call to completion
You know what happens next and who answers. The same person owns the file through to the notary. Written quote before we open the case. If you need agency or lawyers, the group joins without changing your contact.
Reply in 24 h
Whether the case fits and which banks make sense
Written quote
You see it before we open the file
20+ banks
Documented offers to compare, not the desk quote
Process
Five steps with real timelines
At each stage you know the next move. If something stalls at the bank or the valuation, we say so. You are not left blind.
Paperwork
What we ask for and when
We do not ask for everything on day one. First we see if the case fits. Then the quote. Then the bank file.
01
Review (24 h)
Facts, not folders
- Indicative property price and available savings
- Net household income and monthly debts
- Preferred term and whether a reservation is already signed
02
After the quote
Bank file
- ID or NIE, and employment history where relevant
- Payslips or tax returns / self-employed forms
- Statements and proof of savings
- Land registry extract or reservation / deposit contract
03
By profile
Only if needed
- Non-resident: home-country documents (translation / apostille)
- Self-employed or company: tax returns, quarterly forms or accounts
- Investor: rental income and portfolio position
Why this method
Fewer round trips more control of the file
A mortgage rarely stands alone. Property price, paperwork and bank have to move together. Here the thread does not get lost.
One contact
The same person owns your case from the first call to the notary. You know who to email and who answers.
Comparison with numbers
We put your case in front of 20+ lenders. Rate, product ties and fees are reviewed together, not in the dark.
Group when needed
Sky Real Estate, Sky Law and Sky Top Capital share the same campus. Purchase, contracts and investment stay aligned without you running messages.
Price before we work
The service cost is fixed in writing before we open the file. Same policy in Madrid, Zaragoza, Valencia and Palma.
Sky Solutions Group
Joined-up service under one roof
Sky Financial Services negotiates the credit. When the deal needs purchase, legal or investment input, the group joins without starting from scratch with another provider.
Mortgage credit
Sky Financial Services
Intermediary BE D286. We negotiate your mortgage or finance with 20+ banks.
Agency
Sky Real Estate
Buy, sell and let from the same campus. Property price and timing stay aligned with the finance.
Law firm
Sky Law
Contracts, NIE, powers of attorney and legal review when the file needs it — especially for non-residents and complex deals.
Investment
Sky Top Capital
If you buy to let or scale a portfolio, the group connects investment judgment with the debt structure.
Fees
From €4000, in writing before we start
We charge for review, file work, negotiation and support through completion. The amount depends on complexity and you see a fixed written quote before we start. Valuation, notary and land registry are separate under the law and the offer.
From
€4000
Fixed quote before we open the file
Fee details
Fees from · same policy in all 4 offices
By complexity
A simple payroll case is not priced like a self-employed, high-LTV or non-resident file. The quote shows that before we start.
Same in four cities
Madrid, Zaragoza, Valencia and Palma. No different city rates.
What is not included
Valuation, notary and land registry are paid by the client or the bank under the law. They sit outside our fee.
What you get
Paper you can show
The important parts are written down: quote, offers and roadmap. You decide with data, not verbal promises.
01
Fee quote
Amount, scope and payment terms before we open the file.
02
Documented bank offers
Comparable conditions (including the ESIS when the bank issues it) so you decide with numbers.
03
Case roadmap
Milestones: review, documents, valuation, approval and signing. You know where you are.
Regulation
D286
Bank of Spain
Intermediary BE D286
SKY REAL ESTATE & FINANCIAL SERVICES, S.L. is listed in the Bank of Spain register of real-estate credit intermediaries. We operate under Law 5/2019 for consumer deals. Complaints and customer service details are published on the site.
FAQ
Process questions
Timelines, paperwork, fees and what happens if a bank says no.
Within 24 h we say if the case fits. To completion it usually runs from a few weeks to a couple of months, depending on the bank, paperwork, valuation and property. We set real milestones at each stage.
Next step
Tell us the case. In 24 h we say if it fits.
If it fits, you see the written quote and decide. If it does not, we say so straight.