Intermediador Financiero La Casa Grup SL works from Paseo de la Zona Franca in Barcelona. We put borrowers and financial institutions together, and we are paid for doing it.
That sentence is the whole of this page. An intermediary sits between two parties and receives money from at least one of them, and which one it is changes whose interests are being served when a product is recommended. Nobody in this trade volunteers the answer, and almost nobody is asked.
None of the three is improper and all three exist in Spain. What matters is that you know which one applies before a product is recommended to you, not after you have signed.
| Arrangement | How it works | What it implies for you |
|---|---|---|
| Paid by the lender | The financial institution pays a commission when a case completes. | The intermediary earns from placing business. Ask which institutions they work with and whether that list is the whole market or a panel. |
| Paid by you | An arrangement fee agreed with the borrower, disclosed in advance and in writing. | Clearer alignment, but the fee is a real cost and belongs in your comparison alongside the interest. |
| Paid by both | A commission from the institution and a fee from the client. | Legitimate where both are disclosed. It is the arrangement most often left unstated, which is why the question matters. |
Run these on us and on every other firm you speak to. They take minutes and they are the difference between choosing a firm and being chosen by one.
Assembling the file and putting it to the institutions we work with, in a form that gets a decision rather than a request for more paper.
Setting competing offers side by side in comparable terms — total cost, not headline rate — so a decision is made on the same basis each time.
Keeping the valuation, the documentation and the notary appointment moving in the right order, which is most of what delays a completion.
Where relevant, in the auxiliary capacity in which this company operates. Insurance sold alongside credit is a separate decision and should be priced as one.
Sometimes, and sometimes less. An intermediary costs whatever the fee and commission amount to; going direct costs your time and limits you to one institution's view of your file. The honest comparison is the total cost of credit either way, and you are entitled to see both figures before deciding.
No, and nobody can. The decision belongs to the financial institution and rests on its own criteria and its own assessment of your circumstances. Any firm promising approval is either describing something it cannot deliver or preparing to charge you for the promise.
Any fee must be agreed and disclosed in writing in advance, and you should understand exactly what it buys and what happens to it if the application does not complete. Be extremely cautious with any request for money paid to a personal account or framed as unlocking a decision.
No firm does, and any firm claiming to is overstating. Ask which institutions we work with, compare that against what another intermediary offers, and treat the answer as information rather than as an insult.
A regulated mortgage process includes a period in which you are meant to reflect rather than sign, together with a visit to a notary before completion at which the terms are explained to you. That step exists for your benefit — use it, ask questions there, and do not treat it as a formality to be got through.
Tell us what you are financing, roughly what you earn and what you already owe. We will tell you honestly whether a case is likely to be placed before anybody spends time assembling one — including telling you when going directly to your own bank is the better route.
These are the only channels this company uses. Nobody acting for us will ask you to transfer money to a personal account.