What AFinance does

AFinance (legal name: AFINANCE FINANCIAL CONSULTING SL) is a privately held Spanish mortgage brokerage and financial consulting firm founded in 2004 and headquartered in Barcelona. The company acts as an intermediary between individual borrowers and multiple collaborating financial institutions, analysing and negotiating mortgage offers on behalf of clients to secure the best market conditions. Its core service, the Broker Hipotecario, is complemented by a suite of adjacent offerings including purchase financing (with up to 100% loan-to-value plus expenses for qualifying clients), non-resident mortgages, debt consolidation, mortgage switching, purchase-plus-renovation financing, condominium dissolution, and a Personal Shopper Inmobiliario real estate search advisory. The firm is certified as a Real Estate Credit Intermediary (registration D292) by the Banco de España and holds AICAT registration 4553 in Catalonia.

Name

AFinance

Legal name

AFINANCE FINANCIAL CONSULTING SL

Website

https://afinance.es

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

AFinance is a Spanish mortgage brokerage and financial consulting firm that intermediates between individual borrowers and multiple banks, offering mortgage brokering, debt consolidation, non-resident mortgages, and real estate advisory services across all 50 Spanish provinces from offices in Barcelona, Madrid, and Valencia.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

akta.pro secondary industries

Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC), Non-Qualified Mortgage (Non-QM) & Specialty Product Brokers (FSALABAG)

Keywords

• Mortgage brokerage services
• Debt consolidation services
• Real estate advisory
• Financial intermediation
• Property financing consulting

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Mortgage Intermediation Fees: Fees charged only at the moment of signing before a notary, included in the total financed amount of the mortgage loan. No fees are charged during the application or processing stages.
2. Debt Consolidation/Refinancing Services: Fees for reunification of debts and refinancing services, consolidating multiple debts into a single lower monthly payment
3. Personal Shopper Immobiliario: Real estate shopping and property search advisory services

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

AFinance is a Spanish mortgage brokerage firm that negotiates and manages personalized mortgage financing solutions on behalf of individual clients. The company intermediates between borrowers and a network of partner banks and savings banks, offering purchase mortgages (including up to 100% financing), non-resident mortgages, purchase-plus-renovation loans, mortgage switching, remortgaging, debt consolidation, condominium dissolution services, and a real estate Personal Shopper advisory. Services are delivered through offices in Barcelona, Madrid, and Valencia, plus a digital platform spanning all 50 Spanish provinces.

Product overview

aFinance is a financial consulting company and mortgage broker offering a comprehensive suite of mortgage and real estate services. The core offering centers on the mortgage broker service (Broker hipotecario), which provides expert management and negotiation to secure optimal mortgage conditions. This is complemented by purchase financing (Compraventa) supporting up to 100% financing, property search assistance (Personal Shopper Inmobiliario), and debt consolidation (Reunificación de deudas). Specialized offerings include mortgages for non-residents, combined purchase+renovation financing, mortgage switching, and express mortgages. The company also provides utility tools like a mortgage simulator for calculations. All services are delivered through their network of offices in Barcelona, Madrid, and Valencia.

Differentiator

Problem solved

Functional benefit

Products and services

• Compraventa (Purchase Financing) Property acquisition financing that enables clients to finance up to 100% of the property value plus associated costs, facilitating complete property purchase transactions for individual homebuyers in Spain.
• Hipoteca para no residentes (Non-Resident Mortgage) Mortgage services tailored for non-resident individuals, adapted to each client's documentary and financial situation, with partner services to manage the required documentation throughout the process.
• Broker hipotecario (Mortgage Broker Service) Expert mortgage management and negotiation service that analyzes market offers from multiple partner banks to find the best mortgage conditions for each client's personal situation, saving time and money on the mortgage search.
• Shopper inmobiliario (Real Estate Personal Shopper) Real estate consulting service that advises and accompanies clients throughout the property search and purchase process, acting on their behalf to find the best-fitting property and negotiating optimal purchase conditions.
• Hipoteca compra + reforma (Purchase + Renovation Mortgage) Combined purchase and renovation mortgage financing rolled into a single monthly payment, with potential energy efficiency improvements of 30% or more that can reduce the monthly quota and energy bills.
• Cambio de hipoteca (Mortgage Switching) Mortgage switching service that transfers an existing mortgage loan from one financial institution to another to obtain better financing conditions.
• Reunificación de deudas (Debt Consolidation) Debt consolidation service that merges multiple loans into a single loan, simplifying financial management and potentially reducing the interest burden into one lower monthly payment.
• Extinción de condominio (Condominium Dissolution) Condominium dissolution service involving the transfer of property ownership from one co-owner to another to acquire a greater percentage of a shared property.
• Rehipotecar una vivienda (Remortgaging) Remortgaging service that releases a property from existing mortgage charges to obtain new financing for additional liquidity or specific projects.
• Hipoteca Express (Express Mortgage) Express mortgage service that enables clients to complete the entire mortgage process in under one month through expedited digital processing.

Quantifiable outcome

• Up to 100% financing available including additional expenses
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Four partnerships are on record, tiered minor and core.

• SESAME LABS SLminorImplementation/ SI/ Consulting PartnerHR management partner for job offers and recruitment. Data is disclosed to SESAME LABS SL for managing employment offers.
• Financial Institutions (Banks and Savings Banks)coreChannel Partner/ Reseller/ DistributorMultiple collaborating financial institutions that provide the actual mortgage loans. aFinance presents client financial profiles to these partners to obtain financing offers. The bank provides the actual financing while aFinance acts as intermediary.
• NotariesminorImplementation/ SI/ Consulting PartnerAdministrative coordination of mortgage loan signing between client and financial institution, facilitating scheduling and document preparation.
• Real Estate CollaboratorsminorChannel Partner/ Reseller/ DistributorReal estate partners for Personal Shopper service, managing property search and coordination of visits.

Scale indicators7 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Trioteca: Trioteca is a Spanish mortgage broker and comparator platform founded in 2014 that connects homebuyers with multiple lenders, negotiating mortgage terms on their behalf. It serves the same Spanish residential mortgage intermediation market as AFinance with a comparable fee-at-signing model.
• Ibercrédito: Ibercrédito is a Spain-based mortgage and loan broker specializing in non-resident and atypical borrower profiles. It directly competes with AFinance's non-resident mortgage service and Personal Shopper offering, using a similar intermediary model with partner banks.
• Idealista Hipotecas: Idealista, Spain's largest property portal, expanded into mortgage intermediation via Idealista Hipotecas, offering a broker service to its massive property-listing audience. It competes directly with AFinance in residential mortgage brokering while leveraging a scale advantage from its property-listing platform.

Emerging players

• HelpMyCash: HelpMyCash is a Spanish financial comparison and advisory platform offering mortgage comparison tools and advisory services. It overlaps with AFinance's mortgage calculator simulator and advisory positioning, targeting consumers seeking the best mortgage terms in Spain.
• Creditea: Creditea is a Spanish online lending platform offering personal loans and consumer credit through a fully digital channel. While its primary focus is consumer credit rather than mortgages, it represents the digital-native fintech model encroaching on the intermediary space that traditional brokers like AFinance operate in.
• Roams (formerly Wando): Roams is a Spanish comparison and advisory platform covering mortgages, telecom, energy and other consumer financial decisions. It competes with AFinance on price discovery and advisory in the Spanish mortgage market with a broader multi-product comparison angle.

Regional players

• Younited Credit: Younited Credit is a French marketplace lending platform that has expanded across Europe including Spain, offering consumer loans and increasingly mortgage products through a digital intermediary model. It is a comparable fee-based loan broker operating in the same intermediation category as AFinance.

Broad incumbents

• Banco Santander (Direct Mortgage Channel): Santander is one of Spain's largest banks and a partner of AFinance, but it also operates a direct-to-consumer mortgage origination channel. It represents the alternative to using a broker: going directly to a major bank, which is a key competitive alternative AFinance must differentiate against.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/afinance_es
• Facebookfacebook.com/afinance2
• LinkedInlinkedin.com/company/afinance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AFinance