Service Finance

What Service Finance does

Service Finance operates in Spain as a mortgage brokerage under the Homter brand, with Alcaring 3000 S.L. as the legal entity headquartered in Barcelona. The company connects residential home buyers with multiple Spanish banks to negotiate mortgage terms — including interest rates, loan-to-value ratios up to 100%, and binding conditions — and accompanies clients from property selection through notary signing. Beyond core mortgage brokerage, Homter offers bundled services: Buyer's Agent representation, Home Inspection, and Legal Review, supported by a free online property valuation simulator and a 15-minute mortgage feasibility consultation.

The business model is success-based with no upfront client fees; revenue is generated via bank commissions on closed mortgages (transaction-fee model), with potential add-on fees for ancillary services. Distribution is digital-first — a website, blog, HubSpot scheduling, and an organic social presence across LinkedIn, Facebook, Instagram, and TikTok — enabling nationwide Spain coverage while a network of associated real estate professionals provides on-the-ground property validation in local markets. The company is registered with the Banco de España (D059) as an independent financial intermediary and holds real estate agent registrations in Barcelona (A11732) and Catalonia (8187). The team is small (1–10 employees) and founder-led by Jordi Rojas Sánchez; no external funding has been disclosed, and the company has served over 2,000 families to date.

Name

Service Finance

Legal name

Alcaring 3000 S.L.

Website

https://servicefinance.es

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Service Finance, operating as Homter (Alcaring 3000 S.L.), is a Barcelona-based online mortgage brokerage serving residential home buyers across Spain. It negotiates with multiple banks on a 100% success-fee basis and offers bundled buyer representation, inspection, and legal review services.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Offices of Real Estate Agents and Brokers (531210)

SIC

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

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA), Buyer Representation Services (BPAJAAAJ)

Keywords

• Mortgage brokerage
• Home buyer services
• Residential financing
• Buyer representation
• Property transaction support

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage brokerage commissions: The company acts as a mortgage intermediary earning commissions from banks when clients close a mortgage. Some services are free to clients (commission paid by bank), while others are fee-based. The company states it is a success-based service (100% a éxito) with no upfront costs to clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

Service Finance, operating as the Homter brand (Alcaring 3000 S.L.), is a Spanish mortgage brokerage that negotiates home loans with multiple banks on behalf of individual buyers. It accompanies clients through property selection, valuation, legal checks, mortgage negotiation, and notary signing, earning bank commissions on closed deals. Complementary services include buyer representation (Agente del Comprador), home inspection, and legal review of property transactions.

Product overview

Homter operates as a mortgage broker platform offering integrated services for home buyers. The core product is the Broker Hipotecario service, supported by complementary modules including Agente del Comprador (buyer representation), Home Inspection, Revisión Legal (legal review), and tools like the Simulador de Tasación Gratuita. Services are offered 100% on a success-fee basis, covering property analysis, documentation validation, negotiation support, and mortgage arrangement. The company is registered with the Banco de España (D059) and serves clients throughout Spain via an online model with a physical presence in Barcelona.

Differentiator

Problem solved

Functional benefit

Products and services

• Broker Hipotecario (Mortgage Brokerage) Core mortgage brokerage service connecting buyers with multiple Spanish banks to negotiate optimal mortgage conditions. Specialists accompany clients throughout the home purchase process from property selection to notarial signature, negotiating interest rates, financing percentages, and binding requirements.
• Agente del Comprador (Buyer's Agent) Real estate buyer representation service that advocates for the buyer's interests during property negotiations, price discussions, and contract terms.
• Home Inspection Property inspection service that evaluates property condition, identifies defects, and assesses future costs for potential buyers.
• Revisión Legal (Legal Review) Legal verification service reviewing urban planning status, cadastral data alignment, community accounts, regulatory compliance (ITE), and hidden defects for the property being purchased.
• Estudio Hipotecario (Mortgage Feasibility Study) Free mortgage feasibility analysis service that evaluates client profiles, gathers offers from multiple banks, and provides personalized recommendations within a 15-minute consultation.

Quantifiable outcome

• Over 2,000 families served to date
• +1 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CrediMarket: CrediMarket is a Spanish financial product comparison and brokerage platform offering mortgage and loan intermediation services. It overlaps with Homter's buyer-side mortgage brokering activity, operating with a broader product portfolio across personal loans, mortgages, and banking products.
• iAhorro: iAhorro is a Spanish financial comparison and brokerage platform specializing in mortgages, loans, and savings products. It directly competes with Homter in the online mortgage intermediation space, offering rate comparison tools and broker services across Spain with a longer operating history and broader product set.
• Kelisto: Kelisto is a Spanish personal finance comparison platform offering mortgage, loan, and banking product comparisons with broker services. It competes with Homter by providing mortgage intermediation to Spanish consumers, though with a broader financial product portfolio beyond mortgages.
• Idealista Hipotecas: Idealista Hipotecas is the mortgage brokerage arm of Spain's largest real estate portal, offering bank rate comparison and broker services for residential buyers. It competes directly with Homter in the Spanish online mortgage intermediation market, benefiting from massive organic traffic from the parent Idealista platform.
• Roams: Roams is a Spanish online mortgage broker offering personalized mortgage studies and bank negotiations for homebuyers. It competes directly with Homter in the digital mortgage intermediation market, though Roams focuses more on a technology platform model versus Homter's service-accompaniment positioning.
• Trioteca: Trioteca is a leading Spanish online mortgage broker that compares offers from multiple banks for homebuyers. It is the most direct competitor to Homter, operating with a similar digital-first model and bank-commission revenue structure, though at significantly larger scale with institutional backing.

Emerging players

• Lendo: Lendo is a European loan comparison platform (originating in Sweden) that expanded into Spain offering mortgage and personal loan comparison services. As an emerging player, it overlaps with Homter in digital mortgage intermediation but operates across multiple European markets with a more standardized platform approach.

Broad incumbents

• Openbank (Santander): Openbank is the digital bank of Santander Group offering direct mortgage origination through its online platform. As a broad incumbent, it competes indirectly with Homter by enabling self-service mortgage applications, bypassing the need for broker intermediation for digitally-savvy customers.
• BBVA Mortgage Direct Channel: BBVA operates its own direct digital mortgage origination channel in Spain that competes with brokers like Homter by offering online rate quotes and applications. As a major Spanish bank with captive mortgage products, BBVA represents a broad incumbent that could disintermediate independent brokers by improving its digital direct-to-consumer experience.
• ABANCA Mortgage Services: ABANCA is a Spanish bank offering direct mortgage origination both through branches and digital channels. As a broad incumbent, it competes with Homter's broker services by offering end-to-end mortgage products directly, particularly in the Galicia and northern Spain regional markets where it has strong presence.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/homter.es
• LinkedInlinkedin.com/company/servicefinance
• Instagraminstagram.com/homter_es
• TikToktiktok.com/@elagentedelcomprador

Compliance3 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 Service Finance