Bank Real Estate: What It Is and How It Works

August 18, 2025

If you are planning to buy a property but have no idea which real estate agency to visit to see their listings, this post will help you. Ideally, you should look for agencies that offer an extensive portfolio of offices, land, and houses, both new and second-hand, where you will find what you are looking for.

These entities offer many discounts and can even grant reductions of up to 50% of the property's cost. There are more than 15 real estate agencies. They manage their own client and property portfolios, seeking to offer more discounts each year to attract more buyers, especially for vacation homes or apartments.

New Call to Action

What is a bank-owned real estate agency?

We know them as bank real estate agencies, and they operate like any other real estate agency, but they offer apartments and other properties that have been added to their portfolio. Some of these properties are the result of non-payment by their owners, because they had a mortgage on them and found it impossible to pay it off.

However, in most cases, these properties have been built thanks to their own involvement as real estate developers. Once completed, these groups of properties are sold to investors who rent them out as vacation properties, or to families who make them their home.

You may be interested in: types of real estate investments.

How do they work?

Bank real estate agencies operate in an interesting way, carrying out many activities, but the most important ones are:

Identifying and evaluating different opportunities

Developing and building projects

Marketing and promoting the sales stage

Negotiating and closing transactions

Post-sale management

The bank's real estate division is committed to prioritizing long-term buyer satisfaction, thereby contributing to its reputation and credibility in the sector. This involves implementing loyalty programs, providing preventive maintenance services, and offering personalized attention to each buyer's specific requests.

What are its advantages?

Having a real estate agency at your service opens up a world of possibilities and benefits, but we will only mention a few:

Occasional discounts

To sell their properties, bank real estate agencies offer excellent promotions where you can get interesting discounts. This mainly occurs with properties that have recently been repossessed due to unpaid mortgages.

Better financing terms

The bank involved in selling the house can offer you a very advantageous mortgage loan compared to buying any other property. There are mortgages with 100% financing and terms of up to 40 years, offered by institutions such as Bankinter, Deutsche Bank, and Banco Santander, among others.

You may be interested in: reverse mortgages, maximum mortgages, and fixed, variable, or mixed mortgages.

The appraisal will be paid for if the seizure is recent.

The bank's real estate agency can appraise the house before putting it up for sale, which can save you the tedious process of requesting and paying for a new appraisal. However, if the foreclosure was executed more than six months ago, you will probably have to have the house appraised again and bear the cost.

You may be interested in: home appraisal.

What properties might be available at a bank real estate agency?

Bank real estate agencies offer an interesting range of options among the properties they offer, with all kinds of home and business solutions. These options include houses and apartments for business or residential use, offices, warehouses, commercial premises, and even land in prime locations.

But they also have an extensive catalog where you can surely find newly built properties and all the information you need to start a business. And to make your search easier, they have added a section with the most searched properties in each province, region, and town.

New Call to Action

Who can apply for it?

Anyone who believes it is necessary to have a real estate and mortgage advisor by their side can request and hire a bank real estate agent. It is simply a matter of selecting the most prominent ones, asking for the opinion of someone you know who has hired one, and deciding on the best rated one.

Which real estate agency does each bank have?

Here are the main real estate companies that each bank currently owns in 2025:

BBVA: BBVA Housing

This entity has sought to expand the real estate sector, giving greater visibility to the properties it offers, with the aim of selling them quickly using its platform. Similarly, it is notable for its implementation of tactics that have increased sales of houses and other properties in its catalog.

Banco Santander: Altamira Real Estate

Banco Santander has well-known real estate representatives such as Altamira Inmuebles, with expert advisors to manage financial and real estate assets, and they have many properties for rent and sale.

Caixabank: Servihabitat

Servihabitat stands out for its comprehensive solutions in the sector. It also manages loans, markets real estate assets, provides asset and urban planning management, and offers real estate investment advice. It has an extensive catalog of new homes and other properties in several provinces in Spain.

Popular: Aliseda Real Estate

Aliseda's real estate representatives have offices, garages, apartments, and land, but they also have the ability to advise clients on property matters. They operate in land management and promote the real estate sector, and are among the most recognized for offering extremely competitive services in the industry.

Banco Sabadell: Solvia

Solvia is a well-established real estate brand with a strong presence in the retail and investment sectors. Its advisors have extensive experience in managing credit portfolios, promoting or administering real estate businesses, and managing assets.

Bankia: Haya

This real estate agency represents Bankia and stands out for marketing more than 15,000 properties per year, with expert advisors in asset and portfolio valuation. They conduct market analysis and develop business plans, analyzing opportunities to advise clients on where to invest and guaranteeing profitable investments.

Bankinter: Bankinter real estate portal

Bankinter has a team of experts in the sector to advise clients at every stage of the process and successfully complete the sale of the property they are offering. They do this through the real estate agency that represents them, and they are known for offering prices that are unmatched in the sector. 

Kutxabank: Kutxabank Real Estate

Only they offer discounts of up to 70% and very affordable homes that they manage, which are unmatched. If you are looking for the property of your dreams at an excellent price, ask for their advice and choose a new or second-hand property.

Unicaja: Unicaja Real Estate

Definitely the banking agency with real estate advice offering the widest variety of properties for sale and rent in the sector, with great deals for everyone. They advise buyers so that they can find what they really need and what fits their budget.

Ibercaja: Ibercaja Group Real Estate Portal

Real estate group that offers information on financing, providing comprehensive advice to its clients and answering any questions they may have. It is worth noting that they have an extensive range of properties in their portfolio in different provinces across the country.

Caja Rural del Sur: HabitaClic

HabitaClic, the real estate agency linked to Caja Rural del Sur, is known for its personalized and customer-focused approach, specializing in sales and rentals. They have properties for sale in southern Spain and offer a wide variety of residential options, from apartments to rural houses.

Disadvantages and risks

Among the disadvantages and risks of hiring a real estate bank, we can mention that their apartments:

  • They may be in poor condition.
  • They are not cheaper than apartments without real estate agencies.
  • They may have loads
  • The offer is limited.

Tips for buying from a bank-owned real estate agency

Rather than tips, we should call them "tricks" when hiring a real estate agency, and they are as follows:

Compare its price with that of similar houses for sale in the same area.

Visit the property and check for any damage.

Don't hold back during the visit

Ask anything you think is important and necessary.

Check how the price of the property has evolved

Invest in the best real estate options with Domoblock

At Domoblock, we are redefining access to the real estate market through our token-based fractional real estate investment platform, which allows you to invest in a share of a property. This removes the financial barriers to acquiring an entire property, because with a minimum investment of just €200, you can participate in real estate projects.

Located in various regions, diversifying your portfolio and increasing your chances of obtaining consistent returns with our innovative platform that has more than 350 investors. An average annual return of over 10% and more than €2,600,000 managed to date.

Take a look at our real estate investment projects in Madrid, real estate investment in Alicante, real estate investment in Zaragoza, and real estate investment in Valencia.

What's more, the process is simple and transparent: you select a property, purchase your share, and start receiving benefits, thanks to secondary markets that are open 24 hours a day.

You can withdraw your investment quickly and easily, adapting it to your needs while discovering how Domoblock is making real estate investment accessible to everyone. Sign up today and become part of this financial revolution that combines technology, accessibility, and profitability! Your opportunity to invest in real estate starts here.

Conclusion

If you are considering investing in bank-owned real estate, it is always advisable to seek expert advice. All you have to do is contact us. Consult Domoblock! The best investment for your money will always be one that you have carefully considered and discussed with those who know the selected sector. Be one of our lucky customers.

Sergio Navarro

Expert in blockchain, investments, and personal finance.

Share it on your social networks.

Do you like what you’re reading?

Subscribe to Our Newsletter

Do you like what you’re reading?

Subscribe to our newsletter!

Valencia | Cánovas

Burriana, 48

Under review
House flipping
DOMO-VLC-31

Funded:

-

-

Objective:

742.418,00 €

Estimated duration:
8 months
Rentabilidad estimada:
12,03%
Minimum ticket:
200€
Talk to other investors and ask your questions in our Telegram group.

Related Articles