Yo ya había tirado la toalla con lo del 100 %. En el banco me decían que imposible. Aquí en un par de semanas me enseñaron dos caminos con números claros. Al final cerramos y estoy en casa.
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.
+200 M€In real estate transactions
+2 600Clients trust us
+1 500Loans approved in 2026
We negotiate with 20+ lenders
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.
Negotiation
Real market terms
We negotiate across the market to beat the bank's initial offer.
Bespoke
Tailored advice
Self-employed, young buyer or low savings: a strategy tailored to your profile.
Clarity
Full transparency
Every stage explained before signing. No confusing fine print.
Comparison
20+ lenders
We compare real options to maximise financing or lower monthly payments.
Accreditation
ICI D-286
Intermediary registered with Banco de España. Regulated transparency.
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 assessmentReseñas
What clients who financed with us say
Reviews from clients who requested a mortgage assessment with Sky Real Estate (ICI D-286).
Llevaba la misma hipoteca desde 2019 y pagaba de más, pero no sabía cuánto. Me explicaron la letra pequeña sin prisas y bajamos cuota. Mi mujer alucinó.
Lo que más agradezco es que no me vendían humo. Si algo no cuadraba, me lo decían. Eso en mi experiencia no es habitual.
Resources
FAQs and guides for this service
Published Sky Real Estate content linked to this service to answer questions before you get in touch.
Frequently asked questions
Articles and guides
- What is Real Estate and How Does It Work?Real estate, or the property market, is an exciting and dynamic sector that encompasses the purchase, sale, letting and management of properties. In this
- Cuánto puedes pedir de hipoteca según tu sueldo: capacidad de endeudamientoCómo estiman los bancos la capacidad de endeudamiento y qué variables importan además del sueldo. Orientación, no cifra mágica.
- Hipoteca al 100% sin avalista: requisitos realesQué suelen exigir las entidades para financiar cerca del 100% sin avalista y por qué no es una oferta universal.
- Pasar de hipoteca variable a fija en 2026: ¿compensa?Qué valorar al novar o subrogar de variable a fija en 2026: tipo, comisiones, plazo restante y perfil de riesgo.
- Hipoteca para autónomos: qué piden los bancos y cómo mejorar opcionesDocumentación y estabilidad de ingresos que suelen revisar las entidades con autónomos, y cómo preparar el expediente.
- Reunificar deudas con la hipoteca: ventajas, riesgos y cuándo tiene sentidoCómo funciona la reunificación vía hipoteca, qué riesgos asumes y en qué perfiles puede tener sentido estudiarla.
Frequently asked questions about mortgages
Direct answers. If you need figures tailored to your case, request a free assessment.
'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.
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