Clm mediación

Clm mediación

Clm mediación operates as a mortgage intermediary, registered and supervised by the Bank of Spain under authorization code D867. The firm positions itself as an independent negotiator on behalf of borrowers, working with an extensive network of banks to structure home loans, reunification of debt, and property appraisals. Its service model assigns a personal mortgage advisor to each client, guiding them from initial viability study through notarial signing. The firm does not charge fees until the mortgage is signed, offering a free initial study. The firm's core activity is negotiating mortgage terms across a national panel of lenders, leveraging its aggregate flow of business. Its services cover fixed-rate, variable-rate, and mixed mortgages, alongside financing for renovations, self-employed applicants, and investment properties. The website references securing up to 95% loan-to-value financing for a client whose existing bank had declined them, indicating a focus on complex or high-leverage cases. Geographic coverage is nationwide across Spain, with client contact handled by phone, WhatsApp, and email. The firm's public profile is modest, with ten verified Google reviews yielding a 4.9-star average. No team size, founding date, or financial metrics are disclosed on its website. The Bank of Spain registration confirms it carries professional indemnity insurance with a capital of €750,000 and is subject to anti-money laundering supervision by SEPBLAC. A named associate, Gustavo, is cited by a client for facilitating business financing. The structural differentiator is its regulatory perimeter and business-volume model. As a registered credit intermediary (code D867), Clm mediación sits between retail borrowers and the full spectrum of Spanish banks, aggregating demand to negotiate terms that individual applicants cannot access. This volume-driven position creates a structural sourcing advantage distinct from direct-to-consumer bank channels or unregulated comparison platforms.