Portfolio Acquisition Management (NPLs and REOs)
At FyG, we bring trust and expertise to the acquisition and management of NPLs and REOs, ensuring secure and profitable transactions, backed by the confidence of over 90% of servicers in the sector.
From Evaluation to Registration: a 360º Process to Maximise Investment
We offer a comprehensive service for portfolio purchase operations with mortgage-backed assets (NPLs) or real estate assets (REOs), covering everything from preliminary analysis and tax advisory to notarial coordination, tax settlement and land registry registration. Throughout the management process, clients receive clear, regular and accurate information.
Portfolio Acquisition Management (NPLs and REOs) Step by Step
A comprehensive and efficient process to maximise the profitability of acquisitions.
Evaluation and Preparation (Pre-signing Phase)
The process begins with a detailed analysis of the portfolio available for acquisition. The simple notes are reviewed, a tax analysis of the assets is made and the legal viability of the operation is assessed. In addition, an estimate of the provision of funds is made and all necessary documentation is coordinated with the notary’s office to ensure an efficient registration.
Formalisation and Settlement (Post-signing Phase)
After signing, the debt certificates (UPB) are received and verified to ensure consistency with the agreed terms (NPL portfolios). The funds provision is adjusted to match the final perimeter, notarial copies are managed according to the Autonomous Community, and taxes (ITP/AJD) are paid, with FyG acting as a collaborating entity across the entire national territory.
Registration and Post-Acquisition Management
The simultaneous submission of deeds to the various Land Registries is initiated, avoiding groupings that could delay the process. Cadastral updates are carried out, along with communications to local councils (REOs), and the status of each registration is monitored daily. Any defect is proactively managed by a team assigned exclusively to each portfolio.
Ongoing Monitoring and Support
Throughout the entire process, the client receives reports at their preferred frequency (daily, weekly, or monthly). In addition, regular meetings are scheduled to address queries and track the assets‘ progress. Once the portfolio has been registered, FyG continues to provide support by managing any tax requirements during the four years following the transaction, while ensuring the complete digitalization of the portfolio.
Business in Numbers
Effective management, real results
Portfolio acquisitions
REOs
NPLs
Legal and tax analyses
Awards and deeds
Formalisations and sales
Mortgages signed
Trust Management
The Services in Which FyG Specialises are
We bring trust and expertise to the acquisition and management of NPLs and REOs, ensuring secure and profitable transactions, backed by the confidence of over 90% of servicers in the sector.
Portfolio Acquisition Management (NPLs and REOs)
We handle all types of documents and requests related to urban planning and deed management with agility and legal, fiscal, and technical rigour. We coordinate with notaries, registries, and public administrations to ensure regulatory compliance, efficiently resolve procedures, and guarantee the full regularisation and sanitisation of real estate assets.
Registration of Documents and Deed Management
At FyG, we shape the legal pathway through thorough documentation, strategic analysis, and procedural efficiency, providing structure along with legal and operational expertise at a key stage of the mortgage process. We ensure robust files through pre-litigation management, risk analysis, mortgage chain review, and solvency assessment.
Pre-litigation Management
We offer tax optimisation with expert focus and strategic vision, addressing real estate taxation comprehensively, analysing each transaction to reduce the tax burden with technical rigour, tailored solutions and full regulatory compliance.
Property Taxation
We comprehensively manage local taxes and relations with property owners’ associations, ensuring regulatory compliance, defence against unfounded claims, and thorough closure of all property-related tax obligations.
Municipal Tax & HOA Management
We ensure secure, efficient and fully coordinated closings for real estate transactions. Our team manages the entire process from start to finish, acting as a direct link between clients, notaries and all parties involved, always guaranteeing maximum legal, tax and documentary security in full compliance with current regulations.
Closing (Formalisation, AML and Signing Assistance)
we reach out, negotiate and resolve matters directly on-site to assess the real situation of the asset, opening extrajudicial channels with debtors, reducing delays, avoiding unnecessary litigation and protecting the client’s reputation.
Door Knocking and Mediation
We ensure the continuity of judicial proceedings following the purchase of occupied or rented properties, guaranteeing smooth operations and minimising legal risks.
Judicial Proceedings Management
We manage the entire mortgage formalisation process with rigorous documentation and expert support, ensuring legal certainty, operational agility and full traceability from preparation to land registry inscription.
Mortgage Management for Financial Institutions
