Mortgage File Check

Before your documents go to an adviser, you want to know they are complete and usable.

A Spanish financing application asks for a fixed set of documents, in the right language and not too old. Most delay does not come from the assessment but from what precedes it: a missing item, an illegible scan, an income statement from two years ago. We go through that set and give one neutral status per document, with its source.

Mortgage File Check
Not orderable yet
Within 2 working days of your completed intake. Reviewed by hand.

The check has been rebuilt. No price has been set yet and the order button is off — let us know through the contact form and you will be the first to hear.

Something missing within the agreed scope? We complete it once, at no charge.

  1. Send in your documents
  2. We work through the fixed list
  3. You get the status list within 2 working days

The 2 working days start after your completed intake.

What you get

An overview of your financing documents against the fixed document list, so your file is usable by the adviser first time. It sets out:

Reviewed by hand, not automatically generated.

Where the time actually goes

In Spanish financing, most time is not spent on the assessment itself but on the rounds before it. An item is missing, a scan is half-cut, a document turns out to be too old, a figure does not match another document. Each round costs days, and against a running deadline those days count double.

Those rounds are avoidable by going through the set properly once before it leaves. That is what this check does, and nothing else: we count and verify, the adviser assesses.

What we check, and what we do not

This is deliberately a narrow product. That boundary is not a limitation — it is what makes the result usable: you know in advance what you get, and your professional knows what they can build on.

What we do

  • We check whether the documents on a fixed document list are present.
  • We record, per document, whether it is legible and what date it carries.
  • We point out where two documents state a different value, citing both sources.
  • We indicate which points to put to your own professional.

What we never do

  • We do not assess whether a document is legally valid.
  • We do not establish whether a document is authentic.
  • We do not assess whether a document is suitable for your transaction.
  • We do not give legal, tax, mortgage or insurance advice.
  • We do not assess any property, contract or application.

If the check shows you need one of the things in the right-hand column, we write down which kind of professional that is. Which one you choose is up to you.

Where our role stops

Casa Connecta gives no mortgage, legal or tax advice. So we say nothing about whether you can get a mortgage, how much you could borrow or which product suits you. We establish only which documents exist and whether they are usable; the judgement on them rests with your own adviser.

That is a deliberate choice, not a caveat in small print. It keeps our role clean: we have no stake in which bank or product you choose, and we earn nothing on the financing.

We also give no tax advice. Our position is that you ask the right questions early, and get the answers from someone permitted to give them.

Frequently asked questions

Do you tell me whether I can get a mortgage?

No. We make no statement about whether you can get a mortgage, how much you could borrow or which product suits you; that is the work of your own mortgage adviser. We look only at your documents: which ones exist, whether they are legible, how old they are, and whether they need translating.

So what does it give me?

A file that is usable by the adviser first time. In practice a lot of time is lost going back and forth over missing, illegible or expired documents. That round is what this skips.

Which statuses can a document receive?

The same five as the Document Check: provided, not provided, unreadable, data differs, and not established. Five, and no more than those five.

When can I order it?

The check has been rebuilt. No price has been set yet and the order button is off. Let us know through the contact form and you will hear as soon as it can be ordered. We reply within one working day.

What do I need to supply?

The financing documents you already have. You get the fixed document list up front, so you know exactly what belongs to it and what you still need to request.