Mortgage broker · ICI D-286

Mortgage broker for your purchaseFree review in 24 hours

Mortgage broker and credit intermediary (ICI D-286, Banco de España). We compare 20+ lenders remotely across Spain: purchase mortgages (including 100% financing if your profile allows), refinancing or debt consolidation. Free initial assessment; we explain any additional costs before moving forward.

Get my free assessmentMortgage calculator
+200 M€In real estate transactions
+2 600Clients trust us
+1 500Loans approved in 2026

We negotiate with 20+ lenders

Santander
BBVA
CaixaBank
Sabadell
Bankinter
Abanca
Unicaja
Kutxabank
Ibercaja
ING
BNP Paribas
Cajamar

Benefits of financing with Sky Real Estate

We are not a bank. We work for you: we compare, negotiate and guide you through to signing.

Speed

Streamlined management

No unnecessary paperwork or bureaucracy slowing your transaction down.

Request assessment
Negotiation

Real market terms

We negotiate across the market to beat the bank's initial offer.

Request assessment
Bespoke

Tailored advice

Self-employed, young buyer or low savings: a strategy tailored to your profile.

Request assessment
Clarity

Full transparency

Every stage explained before signing. No confusing fine print.

Request assessment
Comparison

20+ lenders

We compare real options to maximise financing or lower monthly payments.

Request assessment
Accreditation

ICI D-286

Intermediary registered with Banco de España. Regulated transparency.

Request assessment

Process

How our mortgage brokerworks

Four steps, one goal: the best mortgage for your profile, across Spain.

Official register

ICI D-286, Banco de España

Sky Real Estate is a mortgage broker and credit intermediary registered with Banco de España under number D-286. The assessment is conducted remotely across Spain; if you prefer an in-person meeting, we have offices in Madrid, Valencia, Zaragoza and Mallorca.

  • Banco de España registered. Supervised under the MCD (Directive 2014/17/EU).
  • Sky Law, our in-house law firm recognised at the European Legal Awards (Real Estate Law), supports transactions whenever required.
  • Offices in Madrid, Valencia, Zaragoza and Mallorca, alongside remote mortgage assessments for the rest of Spain.

Guarantee

We don't work for the banks. We work for you.

We compare more than 20 lenders and negotiate on your behalf. Before you decide, we explain each option with real numbers, not fine print.

Request free assessment

Reseñas

Are you a Sky Real Estate client?

When we have comments for this service sent by email, WhatsApp or other official channels, we will publish them here. If you already bought, sold or completed a process with us, you can leave yours.

Leave your review

Resources

FAQs and guides for this service

Published Sky Real Estate content linked to this service to answer questions before you get in touch.

Articles and guides

Go to the blog

Frequently asked questions about mortgages

Direct answers. If you need figures tailored to your case, request a free assessment.

What is a mortgage broker and what is an ICI?
'Mortgage broker' is the common term used when searching. In Spain, the official designation is credit intermediary (ICI). Sky Real Estate is registered with Banco de España under code D-286: we compare and negotiate mortgages on your behalf; we are not a bank.
Do you work only in Madrid or across Spain?
Mortgage assessments are conducted remotely across Spain. We also have offices in Madrid, Valencia, Zaragoza and Mallorca if you prefer an in-person consultation in those locations.
What does the free mortgage assessment include?
A review of your profile, borrowing capacity, transaction type and market conditions. We design a realistic strategy: 100% mortgage if your profile permits, or improved terms if you already have a mortgage.
Can I qualify for a 100% mortgage?
It depends on your profile, income, employment stability and the property. We prepare your file to maximise options and present it to lenders with the highest probability of approval. It is not an automatic guarantee.
When will I receive a response after submitting the form?
You will usually receive an initial assessment and next steps within 24 working hours. Final approval depends on each bank and paperwork.
Does the service cost anything?
The initial assessment is free and without obligation. Before taking any further steps, we clearly explain the applicable terms in your case. We do not claim 'zero cost' in all scenarios: it depends on the transaction and what we agree in writing.
Do you work with self-employed clients or salaried employees?
With both profiles. For self-employed clients, we review income, track record and tax returns; for salaried staff, stability and repayment capacity. Every case is evaluated individually, without generic templates.
Can I improve my existing mortgage?
Yes. We analyse your current monthly payment, interest rate, fees and remaining term, comparing remortgaging or restructuring options with other lenders to see if switching makes sense (for example, from variable to fixed).
What documents do I usually need to get started?
For an initial review, your ID, recent payslips or tax returns (if self-employed), and basic property or transaction details are sufficient. We will only request further documentation if we proceed.
How does this differ from going directly to my bank?
We don't work for a single lender. As a mortgage broker, we compare terms across banks and negotiate on your behalf. You receive a clear explanation of each option before deciding.
What is the ICI D-286 registration and why does it matter?
It is the Banco de España register for credit intermediaries. Sky Real Estate operates under this accreditation, which ensures compliance with regulations and transparency in mortgage intermediation.
Do you help with debt consolidation?
Yes, when it suits your profile. We evaluate whether combining loans, credit cards or other debts into a single monthly payment improves your situation, and whether a mortgage is the right option.

Your mortgage assessment. Free and without obligation.

Tell us about your situation and we will respond in under 24 hours with a tailored analysis: feasibility, market conditions and next steps.

  • Free assessment, no obligation
  • Response in under 24 hours
  • ICI D-286, Banco de España
  • Madrid, Valencia, Zaragoza, Mallorca and remotely for the rest of Spain

No obligation. Typical response within 24 working hours.