One Finance
One Finance is a privately held Spanish mortgage advisory firm based in Granollers, Barcelona, that intermediates up to 100% mortgage financing, business financing, and mortgage subrogation for individual and small-business borrowers via relationships with Banco de España-supervised banks.
- Company typePrivate
- Founded2008
- HeadquartersGranollers, Spain
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What One Finance does
One Finance is a privately held, independent mortgage advisory firm headquartered in Granollers, Barcelona province, Spain, operating under the legal name ONE FINANCE. The company specializes in intermediating mortgage financing between individual and business borrowers and the main banking entities supervised by Banco de España. Its core service proposition is securing up to 100% mortgage financing (covering the full property value with little or no down payment) through a four-step process: a free initial phone-based viability study, an in-person documentation meeting, bank-side negotiation, and accompaniment through signing. In addition to individual mortgage origination (Financiación Particulares), the firm offers a business financing vertical (Financiación Empresas) covering asset acquisition, liquidity, working capital, and customer financing, plus a dedicated mortgage subrogation service (Subrogación Hipotecaria) that targets up to a 30% reduction in monthly payments by transferring existing mortgages to better-priced lenders.
Operationally, One Finance runs a traditional, relationship-driven advisory practice with no proprietary technology platform; its sole digital tool is a website-embedded mortgage calculator for pre-sales estimation. The firm employs 1-10 staff and is led by founder Sara Yudego, who is the named point of contact across all customer testimonials. Go-to-market is consultative and sales-led: prospects enter via phone, website contact form, or organic social channels (Instagram, Facebook, LinkedIn, YouTube) where the firm publishes educational content under the #OneTips series, and are then converted through in-person advisory at the Granollers office. Revenue is generated via commissions from banking partners on successfully placed mortgages; no pricing, fee, or transaction volume data is publicly disclosed, and no external funding rounds have been reported.
One Finance firmographics
Firmographics- Name
- One Finance
- Legal name
- ONE FINANCE
- Website
- https://onefinance.es
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- One Finance is a privately held Spanish mortgage advisory firm based in Granollers, Barcelona, that intermediates up to 100% mortgage financing, business financing, and mortgage subrogation for individual and small-business borrowers via relationships with Banco de España-supervised banks.
- Ownership category
- akta.pro rank
One Finance industry classification
Industry- Product category
- Mortgage Advisory Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)
- akta.pro secondary industry
- Debt Advisory & Financing Advisory (FSAEAGAD)
Keywords
Where One Finance is headquartered
LocationHeadquarters
- HQ city
- Granollers
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
One Finance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Mortgage Advisory Services: The company appears to generate revenue through commission arrangements with banking partners. They provide mortgage advisory services to individuals and businesses, facilitating 100% financing solutions. The service model includes free initial financial analysis and viability assessment.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
One Finance product offering
Product offeringCore offering
One Finance is a Spanish mortgage advisory and brokerage firm that helps individuals and businesses secure mortgage financing—up to 100% of property value—from multiple Spanish banking entities. Its core services include mortgage financing for individuals (Financiación Particulares), business financing (Financiación Empresas), and mortgage subrogation to switch existing mortgages to better terms (Subrogación Hipotecaria), supported by end-to-end advisory covering financial feasibility, documentation, bank negotiation, property verification, and closing accompaniment.
Product overview
One Finance operates as a mortgage financing advisory firm offering three core services: Financiación Particulares (individual mortgage financing), Financiación Empresas (business financing), and Subrogación Hipotecaria (mortgage transfer). The company specializes in securing up to 100% mortgage financing for clients. These core services are supported by ancillary modules including mortgage advisory, property analysis (verifying registry status, habitability, and energy certificates), administrative processing, and a mortgage calculator tool. The company acts as an intermediary between clients and banking institutions, negotiating favorable terms on behalf of borrowers.
Differentiator
Problem solved
Functional benefit
Products and services
- Financiación Particulares (Individual Mortgage Financing)
Quantifiable outcome
- Up to 30% reduction in monthly mortgage payments through subrogation services
- +1 more outcomes
Companies that use One Finance
Customer profileNamed customers7 records
Segments2 records
Ideal customer profiles2 records
One Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
One Finance partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Principal Banking Entities (Banco de España supervised)coreOne Finance works with the main banking entities supervised by Banco de España (Spain's central bank). They analyze all mortgage products in the market to offer the mortgage that best adapts to customer needs. This partnership allows them to negotiate favorable terms across multiple financial institutions.
Scale indicators1 record
Recent moves6 records
Expansion highlights4 records
One Finance competitors and assessment
Company assessmentEmerging players
- MyInvestor: Spanish digital bank offering mortgages alongside investment and savings products, with a tech-driven origination experience. Comparable as a newer, digital-first Spanish mortgage lender competing for the same digitally-engaged buyer segments.
- Openbank: Santander group's digital-only bank in Spain offering mortgages with streamlined online origination. Comparable as a digital-first mortgage competitor targeting Spanish consumers seeking efficient, self-directed mortgage experiences.
- Evo Banco: Spanish digital bank offering mortgages and personal loans with competitive pricing and online origination. Comparable as a tech-forward Spanish lender competing in the same retail mortgage market that One Finance serves.
Direct peers
- Trioteca: Spanish online mortgage broker that compares and negotiates mortgage products across multiple Spanish banks for individual and business clients. Directly comparable as a mortgage intermediary serving Spanish borrowers with a multi-bank comparison approach.
- Idealista Hipotecas: Mortgage brokerage arm of Spain's leading real estate portal Idealista. Comparable as a Spanish mortgage broker leveraging a large real estate audience to connect buyers with bank financing offers.
- Hipoo: Spanish mortgage broker focused on digital comparison and intermediation of mortgage products from multiple banks. Comparable as a multi-bank Spanish mortgage intermediary serving individual home buyers.
- iAhorro: Spanish financial comparison and advisory platform specializing in mortgages, loans, and personal finance products. Directly comparable as a mortgage intermediary helping Spanish consumers secure bank financing through comparison and advisory services.
Broad incumbents
- Bankinter: Spanish commercial bank with a strong mortgage origination business and digital channels. Comparable as a major lender whose products One Finance offers to clients and whose direct-to-consumer model represents a competitive threat.
- CaixaBank: Spain's largest domestic retail bank with significant mortgage lending and a broad branch network. Comparable as a major Spanish mortgage provider that One Finance partners with and competes against via its advisory model.
- BBVA: One of Spain's largest banks offering direct mortgage products alongside broader retail and commercial banking. Comparable as a primary mortgage originator that One Finance negotiates with and competes against for direct customer relationships.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
One Finance social profiles
Digital presenceOne Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
One Finance leadership team
Management profileNumber of profiles
Profiles1 record
One Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
One Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about One Finance
What does One Finance do?
One Finance is a Spanish mortgage advisory and brokerage firm that helps individuals and businesses secure mortgage financing—up to 100% of property value—from multiple Spanish banking entities. Its core services include mortgage financing for individuals (Financiación Particulares), business financing (Financiación Empresas), and mortgage subrogation to switch existing mortgages to better terms (Subrogación Hipotecaria), supported by end-to-end advisory covering financial feasibility, documentation, bank negotiation, property verification, and closing accompaniment.
Is One Finance a public or private company?
One Finance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was One Finance founded?
One Finance was founded in 2008. It employs 1 to 10 people.
Where is One Finance based?
One Finance is headquartered in Granollers, Spain, in the Europe region.
How does One Finance make money?
One revenue line is on record: mortgage Advisory Services.
Who are One Finance's main competitors?
Emerging players on record are MyInvestor, Openbank and Evo Banco. Direct peers are Trioteca, Idealista Hipotecas, Hipoo and iAhorro. Broad incumbents are Bankinter, CaixaBank and BBVA.
Does One Finance have an API?
No public API is recorded for One Finance.
What industry is One Finance in?
One Finance's product category is Mortgage Advisory Services. Its primary akta.pro industry code is BPAHAOAD, Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit), with a secondary code of FSAEAGAD, Debt Advisory & Financing Advisory. Its NAICS code is 52231 and its SIC code is 6163.