CM Gestion

Name

CM Gestion

Legal name

CM Gestion

Website

https://cmgestion.cl

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Mortgage and Real Estate Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Offices of Real Estate Agents and Brokers (5312), Real Estate Credit (522292)

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

Multifamily Brokerage (BPAJABAD), Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage advisory services
• Real estate brokerage
• Housing subsidy management
• Property transaction advisory
• Residential mortgage credit

Headquarters

HQ city

Quilpué

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Mortgage Credit Advisory Services: Fees or commissions earned from guiding clients through mortgage credit processes with banks and financial institutions. Services include credit evaluation, application management, and loan processing.
2. Real Estate Brokerage Services: Commission-based corretaje services for property sales and purchases, including market studies, property valuation, and buyer/seller matching.
3. Government Subsidy Management: Advisory services for obtaining government housing subsidies (DS1, DS49), typically integrated with mortgage credit services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

CM Gestión provides end-to-end advisory for residential property transactions in Chile. It brokers mortgage credit through banks, mutuales, and cooperatives (conventional credit, Leasing Habitacional, Mutuos Hipotecarios), manages applications for state housing subsidies (DS1 and DS49), and offers real estate corretaje for buying and selling property, supported by property valuations and dedicated credit advisors.

Product overview

CM Gestion is an integral real estate advisory company operating as a single unified service offering rather than a platform-plus-modules architecture. The core portfolio combines mortgage credit management (Servicio de Crédito Hipotecarios, Leasing Habitacional, Mutuos Hipotecarios) with state subsidy management (DS49, DS1) and real estate brokerage services (Servicios de Corretaje). Supporting services include property valuations (Tasaciones y Evaluaciones) and financial advisory (Gestor de Créditos). Together these services cover the entire property acquisition journey from financing and subsidies through property search, valuation, and transaction management.

Differentiator

Problem solved

Functional benefit

Products and services

• Servicio de Crédito Hipotecarios Conventional mortgage credit arranged through any bank or financial entity, offering competitive market interest rates and financing from 80% to 90% of property value with no caps on amounts. Targeted at individual home buyers in Chile seeking standard mortgage origination.
• Leasing Habitacional Housing leasing solution delivered through mutualities, featuring automatic state subsidy eligibility, integrated mortgage credit, lower down payment, and flexible rent-completion facilities. Intended for Chilean consumers seeking a more accessible alternative to conventional mortgage credit.
• Mutuos Hipotecarios Mortgage loans aimed at real estate investors, enabling acquisition of more than two properties with up to 80% financing. Targeted at investors in Chile seeking non-traditional financing for multiple properties.
• Gestión de Subsidios DS49 Advisory service for Chile's DS49 state subsidy, which supports acquisition of used housing without extensions, calculated based on the buyer's savings and savings bonus. For Chilean residents eligible for DS49 who need help applying and integrating the subsidy with financing.
• Gestión de Subsidios DS1 (Tramo 1, 2, 3) Advisory service for Chile's state mortgage credit subsidy DS1, covering Tramo 1, 2, and 3 tiers. CM Gestion advises clients on savings thresholds, eligible property types, and how to integrate the subsidy with mortgage financing for housing purchase.
• Servicios de Corretaje Real estate brokerage for buying and selling residential property in Chile. Includes defining an appropriate sales price for sellers, defining the buyer profile, and assisting with property search for buyers.
• Tasaciones y Evaluaciones Property valuation and appraisal services providing the information needed for informed financial and commercial decisions related to residential real estate transactions in Chile.
• Gestor de Créditos Financial advisory service guiding clients through the purchase of new housing, used housing, and land, with the goal of securing competitive rates and Chilean state benefits. Serves as the overarching credit-management wrapper around CM Gestion's mortgage and subsidy offerings.

Quantifiable outcome

• Financing from 80% to 90% of property value without caps on amounts
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature2 records

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Coopeuch: Major Chilean credit cooperative offering mortgage products and a CM Gestion partner. Comparable as an alternative financing source for Chilean home buyers, especially those without traditional bank access.
• Portal Inmobiliario: Largest Chilean real estate listing portal owned by Mercado Libre. Comparable as a high-traffic channel through which Chilean home buyers and sellers transact; competes for mind-share but does not broker financing.
• BancoEstado: Chilean state-owned bank offering mortgage products, including those aligned with government subsidy programs. Comparable because it both partners with and competes directly against CM Gestion for mortgage subsidy clients.
• Bice Hipotecaria: Chilean mortgage bank and CM Gestion partner that originates residential mortgage loans. Comparable as a specialized housing-finance institution operating in the same Chilean market segment.
• Banco Santander Chile: One of the largest mortgage originators in Chile and a CM Gestion partner. Comparable as a source of residential mortgage credit, though banks disintermediate brokers via their own direct-to-consumer channels.

Emerging players

• Houm: Chilean proptech operating a digital platform for buying, selling, and renting residential properties. Comparable to CM Gestion in targeting Chilean home buyers, but with greater technology depth and a vertically integrated brokerage model.
• Toctoc: Chilean real estate platform combining listings, brokerage, and complementary services for home transactions. Comparable as a Chilean residential real estate intermediary targeting both buyers and sellers.

Direct peers

• RE/MAX Chile: Global real estate franchise operating a Chilean brokerage network with corretaje services. Directly comparable to CM Gestion's brokerage offering, though typically larger and broader in geographic reach.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cmgestion

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 CM Gestion