We offer credit origination and mortgage servicing solutions, with a personalised service throughout every process, prioritising quality and delivering added value.
If you are a lawyer, financial advisor, agent, real-estate agent… and your clients need financing, through Barcelona MS you can access a mortgage loan for your clients as a solution to their financial needs.
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We secure mortgage-secured loans, outside the banking circuit, for individuals and companies and for any purpose.
Offer your clients financing solutions through Barcelona MS.
+15 Years of experience
+1,800 Mortgage files
We provide financial institutions, investment funds and private investors with a mortgage servicing solution aimed at maximising the return on their portfolio.
To do so, we work with the best professionals in each field and have a comprehensive, in-depth knowledge of the factors involved in the different stages of the mortgage process.
+150 Investors
+235 €M managed
We have developed a specialised Asset Back Lending tool, a self-learning Scoring system with more than 36 data input fields drawn from Big Data sources, government databases and historical performance information, to deliver a unique level of default prediction that lets us issue the best decision for our clients based on a three-pronged matrix: Loan, Borrower and Collateral.
The borrower's information is analysed from the average default rate by age to the DTI ratio and payment-incident records, in order to fine-tune our decisions especially for loans with a French amortisation system.
Type of collateral, market size and liquidation value are assessed alongside local liquidation ratios to measure the exit possibilities of our loans under American and bullet-payment systems.
LTV and LTLV with a calculated limit, together with a minimum income level, in order to keep a safe distance from real-estate consumer-protection regulations.
Principal capital, amortisation system, APR and duration are evaluated against the specific criteria of the investor's profile, taking income commitments into account.
Mortgage loans for your clients
Mortgage servicing for investors