Registration
Banco de España · E790
Article 35 · Law 5/2019
Pre-borrower information
This document identifies the mortgage-credit intermediary, explains remuneration, confirms that mortgage advice is not provided and explains how to complain. Keep a copy for future reference.
Version: 15 September 2026
Keep a durable copy before requesting the service.
Key information
Status
Non-tied mortgage-credit intermediary
Mortgage advice
Not provided under the current service
Remuneration
May be paid by the borrower and by a lender, as disclosed in advance
1. Identity, registration and supervision
Maxim Zhosan acts as a mortgage-credit intermediary and is registered in the Banco de España Register of Mortgage Credit Intermediaries under code E790. The registration can be checked through the official registers published by Banco de España.
The competent supervisory authority is Banco de España, without prejudice to the powers of other consumer, data-protection or judicial authorities.
Check the official Banco de España registers (search E790 / Maxim Zhosan)
2. Relationship with lenders
The intermediary is not tied to, and does not work exclusively for, any particular lender. The lenders considered in a case depend on their criteria, geographic coverage, available products and the borrower’s circumstances.
The service does not guarantee access to every product available in Spain or approval by any lender.
3. Intermediation without mortgage advice
HARBOR ONE currently provides mortgage-credit intermediation, not mortgage-advice services within Article 19 of Law 5/2019. The service does not include a personalised recommendation to take out a particular loan.
We prepare the application, approach lenders, negotiate and explain objective differences between offers. You choose whether to accept a loan. The registered activities do not mean that every registered service is offered under the current agreement.
The search is limited to lenders considered viable for your case and may involve a single lender. It is not a whole-market comparison or a guarantee of the best loan available in Spain.
4. Amounts payable by the borrower
The initial review is free. Any fee for intermediation must be expressly agreed in writing before the paid service starts, including its amount, payment triggers and refund conditions.
The applicable agreement will state the exact amount or an objectively determinable calculation method, the included services, taxes where applicable and the payment conditions.
5. Lender commissions and other incentives
The intermediary may receive a commission or other remuneration from a lender or another party if a mortgage is completed or another agreed event occurs. The existence, amount, calculation method and, where relevant, payment frequency depend on the lender and the particular transaction.
Where the exact amount is not known when this document is provided, it will be disclosed later in the personalised information or service documentation before the borrower becomes bound. A non-tied intermediary receiving commissions from more than one lender must, on request, provide information about the different types and amounts of commission paid by the lenders whose products are offered.
6. Borrower fee and lender commission
Where a borrower fee and a lender commission are both payable, they are separate forms of remuneration. The borrower fee is not automatically deducted from, or reduced by, the lender commission. Both will be disclosed in the applicable agreement or personalised information before the borrower becomes bound.
7. Information supplied by the borrower
The borrower must provide complete, accurate and up-to-date information and supporting documents within the requested timeframe. If sufficient verifiable information is not provided, a lender may be unable to assess creditworthiness and the loan may not be granted.
HARBOR ONE receives the initial review form. Before the service agreement is in place, only a genuinely anonymised outline may be discussed with lenders, without the form, identity, contact details, documents or other reasonably identifying details. Once the borrower instructs the intermediary to approach selected lenders under the relevant service agreement, the necessary information will be presented faithfully to them for their own creditworthiness assessment, subject to data-protection law.
8. Complaints and out-of-court redress
Complaints may be submitted free of charge to reclamaciones@harborone.es or to the postal address stated above. A reasoned decision will be issued in less than one month. If the complaint is rejected or is not answered in time, the complainant may refer it to the Banco de España Complaints Service within one year from the date the original complaint was filed.
The full procedure is available on the Complaints page of this website.
9. Keeping this information
Before intermediation activities begin, HARBOR ONE will provide the applicable pre-contractual information on paper or another durable medium that you can store and reproduce. You can also use this page’s print control to save a dated PDF and request a copy at hola@harborone.es. Reading the webpage does not replace that delivery.