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We answer all the
questions that may arise

We solve your questions – Buy safely before signing deposits.
At Checkcasa we detect hidden legal and urban planning issues of your future home before you pay the deposit. Our goal is for you to buy without risk, not lose your money, and get mortgage approval.

Questions about our service

What exactly does Checkcasa do?
We review the property’s legal and urban status: who can sell, whether there are liens or debts, whether the building and use are legal, and whether there are issues that could block the mortgage or make you lose the deposit. We provide clear, actionable conclusions.
When should I contact you?
Ideally before reserving or signing the deposit agreement. This allows us to condition the deposit on the absence of risks and protect your money.
What does the review include?
  • Seller identity and capacity (co-owners, usufructs, inheritance, powers of attorney…).
  • Liens: mortgages, seizures, easements, resolutory conditions.
  • Community debts and taxes (IBI/council tax, capital gains for transfer).
  • Use and licenses; occupancy certificate/license and first occupation.
  • Works and pending legalisations.
  • Registry–Cadastre–reality match (sqm, annexes, terraces, storage/parking).
  • Building technical inspection (ITE), building condition and approved assessments.
  • Third-party rights (pre-emption/retraction, tenants, social housing).
  • Mortgage validation (critical points).
  • Recommendations for deposits (conditions and attached docs).
What is not included?
We don’t do bank valuations, structural/pathology inspections, or legal representation. If needed, we can coordinate it with partners or your own lawyer/architect.
What do you need from me?
Exact address, recent land registry extract (if you have it), cadastral ref., listing/sheet and any documents provided by the seller or agency.
How long does it take?
Immediate intro call and report in under 48 business hours (depending on complexity and docs).
Do you work across Spain?
Yes. We point out regional/municipal specifics when relevant.
Is the report valid for the bank or for signing?
It helps prevent financing blocks and supports negotiation. It does not replace valuation or the bank’s criteria, but guides what to review and submit to speed things up.
Confidentiality & data?
We handle your data and documents confidentially and only for the requested analysis.
If you find a problem, will you help me fix it?
Yes: we explain options, estimated costs/timelines and next steps (prior cancellations, regularisations, deposit conditions or withdrawal without losses).

Deposits & signal protection

What are deposits and why are they important?
It’s the upfront payment to reserve the property. Depending on the terms, you may lose it if you withdraw without cause or recover it if you condition the purchase on the absence of risks.
Can I protect my deposit?
Yes. We recommend conditioning deposits to the absence of hidden liens, urban compliance and obtaining a mortgage on reasonable terms. Attach key documents to the deposit contract.
Typical amount and deadline?
Varies by market. The key is allowing enough time for the review and any incident handling.
What if the bank doesn’t grant the mortgage?
If you condition it in the deposit, you can recover the signal. We show you how to draft it.
Agency “reservation” vs deposit contract?
Reservations are usually less clear/effective than a well-drafted deposit contract. We help you choose the safest option.

Common legal risks

Seller identity and capacity

Risk: the signer cannot sell (unsettled inheritance, divorce, usufruct, etc.).

Solution: check ownership/capacity, required docs and signing order.

Registered liens

Risk: block the purchase/financing.

Solution: cancel or lift before/at signing; impact on price and timing.

Community / taxes / utilities debts

Risk: you may succeed the debts or assessments.

Solution: zero-debt certificates, meeting minutes, proof of payments.

Existing tenancies or occupation

Risk: limits immediate use.

Solution: review contracts, terms and rights; decide to buy with/without occupation.

Social/Protected housing

Risk: price caps, buyer requirements, pre-emption rights.

Solution: verify regime and requirements; plan timing and pricing.

Pre-emption & retraction rights

Risk: a third party could step in.

Solution: check applicable rights and proper notifications.

Registry–Cadastre–reality mismatch

Risk: incorrect sqm, unregistered annexes, boundaries.

Solution: regularise or adjust price; impact on mortgage.

Use & licenses

Risk: fines or inability to use as intended.

Solution: confirm permitted use and licenses; legal alternatives.

Pending works/legalisations

Risk: restoration orders or inability to record as dwelling.

Solution: legalisation paths (if any), costs/timelines and deposit conditions.

Occupancy certificate/license & first occupation

Risk: block mortgage and utilities.

Solution: check validity/feasibility and condition completion on it.

Building inspection, condition & assessments

Risk: unexpected costs and safety issues.

Solution: review reports, meeting agreements and budgets; adjust price or withdraw.

Planning & administrative easements

Risk: limitations on use and works.

Solution: verify planning constraints and easements; consequences & alternatives.

Mortgage validation

What does the bank check?
Clear ownership and liens; Registry–Cadastre–reality match; occupancy certificate/license; no material planning issues and a coherent valuation.
How we help: we flag critical points, what to document and how to structure the deal to speed approval.

Useful documents before deposits

Recommended paperwork
Recent registry extract & title deed; seller ID and powers/inheritance docs if applicable; cadastral ref. and plan/sketch; community & assessment certificates; latest council tax and utilities; occupancy certificate/license and works licenses if any; ITE/building docs; social housing regime or pre-emption rights; and any reservation or conditions agreed.

What if we find issues?

Minor, material & support
  • Minor: how to solve them and what to request from the seller.
  • Material: condition deposits, renegotiate price or withdraw without losses.
  • Support: we answer questions during and after the report.

Quick questions

Is the analysis useful if I don’t buy that property?
Yes; it helps you decide. If you switch properties, we can reuse part of the documentary work.
Can you talk to my agent/lawyer/bank?
Yes, we can coordinate a joint call if you wish.
Does the report include clause recommendations?
It includes practical recommendations and points to condition; final drafting with your notary/lawyer.
Do you guarantee mortgage approval?
No; it depends on the bank and your profile. Our goal is to avoid surprises and speed up the process.
What if I’m not given documents?
We’ll tell you how to proceed (condition, extend deadlines, or stop) based on risk.
How much does it cost?
Fixed quote depending on the case and complexity.

This content is informational and does not constitute individual legal advice. If your case requires representation or defence, we can coordinate with your lawyer or recommend partners.