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Feasibility assessment
We analyse your case and tell you whether the transaction can work, which lenders may consider it and what is missing. No cost and no commitment.
Free feasibility assessment · 2 minutes
Will they approve it? You will know today, not in three weeks.
We analyse your case and complete a feasibility assessment before you sign a purchase deposit agreement.
- ✓Registered with the Bank of Spain
- ⌖Service throughout Spain
- ITSupport in Spanish, English and Italian
Indicative estimate. Taxes vary by autonomous community, and reduced rates based on age, main residence, large family status or protected housing can lower the amount considerably. We give you the figure for your case in the assessment.
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Transparent pricing
The assessment is free. We only charge if you sign.
We assess your case at no cost. If you decide to proceed, you receive the fee in writing before we start working.
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On success
Fees only on success
Once the assessment is complete, we tell you exactly what your case costs according to its complexity. The amount is fixed before we start and does not change. We only charge when you accept the bank's binding offer (the FEIN, the document containing the firm offer) and the transaction proceeds.
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No %
No percentage of the loan
The usual market practice is to charge between 1% and 5% of the loan. We do not. Our fee depends on the work involved in your application, not on how much you borrow.
✓A free assessment, fees only on success and a price that does not depend on the amount borrowed.
Check my case→How we reach a yes
To tell you yes, we need to see your documents.
What you tell us by phone is enough for an initial view: your income, savings and intended purchase show us the direction of the case. It is free and we do it during the same call.
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Initial view · during the call
Two payslips and a conversation. We tell you whether the transaction has a path forward and which lenders might consider it. No document submission and no commitment.
02
Full assessment · with documents
Payslips, tax return, employment history and any open loans. These show what a conversation cannot: a consumer loan, a long period of sick leave or an old missed payment. This turns an estimate into an answer. The sooner we have them, the sooner you know where you stand.
Sending us documents does not generate a CIRBE enquiry and does not commit you to anything. It simply lets us stop estimating and start deciding.
Check my case→Three services
Every transaction is different. Its financing is too.
We assess the complete structure and present the application to the lenders that best match your profile.
Mortgage to buy a home
We assess your case, prepare the application, negotiate with lenders and support you through to signing before a notary.
Termination of co ownership
For divorce, inheritance or separating co owners. One person keeps the property and refinances the relevant share.
Switching your mortgage
We improve the terms of your current mortgage without requiring you to sell the property.
Non resident buyers
Buying in Spain as a non resident is possible.
It can be done, and it happens every month. The only real difference is the percentage: banks finance between 60% and 70% of the value for a non resident, so the buyer contributes more. Once you know that from the start, the rest of the process is exactly the same.
- 01Financing of 60% to 70% of the property value
- 02A Spanish NIE to identify you in the transaction, which you can request on economic grounds without being resident
- 03An application adapted to income and documents from your country of residence
Real reviews
In the words of people who have already walked the path.
Experiences published by Senda Hipotecas clients. You can read every review and the complete profile on Trustpilot.
Latest experiences05
★★★★★“
Maravillosa experiencia
Mi experiencia con Marc no puede ser mejor. Gracias a su intermediación conseguí una hipoteca que de otra manera no hubiera sido posible conseguir. Además, la comunicación con él ha sido super fluida en todo momento a lo largo de toda la gestión.
★★★★★“
Resolutivo en momentos difíciles
En la hipoteca, tuvimos momentos complicados. Pero en todo momento supo gestionar bien.
★★★★★“
Me encontraron la financiación que…
Me encontraron la financiación que necesitaba, muy profesionales y claros. Volveria a buscar hipoteca con ellos.
★★★★★“
Rápidos y eficaces
La verdad es que mi experiencia ha sido muy buena Me ayudaron bastante con toda la negociación con el banco y sobre todo, con la documentación. Cada vez que hacía falta algo me decían exactamente qué necesitaban, cómo prepararlo y qué opciones tenía, y eso me ahorró tiempo y vueltas innecesarias. También valoro mucho que siempre respondían rápido. En un proceso así hay momentos en los que aparecen dudas o el banco pide alguna cosa de repente, y ellos estuvieron pendientes y me fueron guiando hasta el final. No fue simplemente mandar documentos y esperar. Me explicaron las distintas alternativas, me aconsejaron durante el proceso y finalmente conseguimos sacar adelante la hipoteca.. En mi caso quedé realmente contento con el servicio y los volvería a contactar sin problema
★★★★★“
Grandes profesionales
Grandes profesionales, muy recomendable. Te explican todo de manera sencilla y transparente y te acompañan en todo el proceso.
Who helps me
Behind your application is a team, not a call centre.
Senda belongs to Pedro and Marc, and every application passes through their hands. Our team keeps it moving: contacting you, organising your documents, coordinating the valuation and supporting you through to the notary. What you will not find is a call centre, a different case manager each time or the need to repeat your story.
Pedro Méndez Ruiz
Feasibility, application strategy and lender negotiation. He decides how your transaction is presented and to which banks.
SendaMarc Noguer Casals
Document analysis, case tracking and support through to signing. Cases that a local bank cannot resolve end up on his desk.
Senda- 01
We call you
Our team reviews what you have told us and calls you. No call centre and no need to repeat your story.
- 02
We prepare the application
We organise your income, savings, property and employment information into a clear case.
- 03
We present your case
We present your transaction to the banks that best match your profile. We have no exclusivity agreement with any lender.
- 04
We review the documents
We check proposals, conditions and documents so you understand every option before deciding.
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We support you through to the notary
We coordinate the next steps and remain with you through to signing before a notary.
Before we call
Frequently asked questions
01Is the initial assessment free?+
Yes. The feasibility assessment is free and carries no commitment.
02How much do you charge?+
The feasibility assessment is free and carries no commitment. Once it is complete, we tell you two things: whether your transaction can proceed, and the fee for your specific case, which depends on its complexity. The amount is fixed before we start working and does not change. We only charge if the transaction proceeds and you accept the bank's binding offer (the FEIN, the document containing the firm offer). If you decide not to continue after the assessment, you pay nothing. We do not charge a percentage of the loan. The usual market practice is between 1% and 5%, which can become excessive on a large mortgage. Our fee depends on the work involved in your application, not on how much you borrow.
03Do you work throughout Spain?+
Yes. Our office is in Barcelona and we work throughout Spain. Most of the process can be completed remotely.
04Do you have exclusivity with any bank?+
No. You are our client. We search across banks for the best conditions for your profile and needs.
05Will you keep calling me?+
We contact you until we manage to speak, because we cannot help before we have spoken. Once we have spoken, if you decide not to continue with us, our team considers the case closed.
06What if my case looks difficult?+
A low result is not a rejection. We explain what is limiting the case, which variables can change and the most useful next step.