WHAT WE DO
We offer credit origination and mortgage management solutions, with a personalized service in all processes, prioritizing quality and providing added value.
If you are a lawyer, financial advisor, manager, 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.
We provide mortgage loans, outside the banking circuit, to individuals and companies for any purpose.
Offer your clients financing solutions through Barcelona MS.
+15 Years of experience
+1.800 Mortgage records
We offer financial institutions, investment funds and private investors a mortgage management service aimed at maximizing the profitability of their portfolios.
For this purpose, we have the best professionals in each field and we have a global and deep knowledge of the factors involved in the different aspects of the mortgage process.
+150 Investors
+235 M€ Managed
We have developed a specialized Asset Back Lending, a self-learning Scoring with more than 36 data entry fields from Big Data sources, government databases and historical performance information to achieve a unique level of default forecasting that allows us to issue the best decision for our clients based on a three-pronged matrix: Loan, Borrower and Guarantee.
80% PROFILE
Borrower information is analyzed from average defaults by age to DTI ratio and payment incident records to refine our decisions especially on loans with French system.
70% LIQUIDITY
Collateral type, market size and settlement value are questioned along with local settlement ratios to measure the exit possibilities of our loans in the US and single payment system.
20% RISK
LTV and LTLV with a limit calculated together with a minimum income level in order to distance oneself from the royal decree of the borrower’s protection.
100% RETURN ON INVESTMENT
Principal, amortization system, APR and duration are evaluated with the specific criteria of the investor profile together with income pledges and other sources.
