Panorama’s Independence Policy: a client-aligned practice

Panorama has been independently owned in Marbella since 1970. Independence, for us, is a way of working: advice given without franchise quotas or external sales targets, and decisions taken locally by expert senior members of staff who understand the market and the client. It is expressed in how instructions are accepted, managed and brought to completion. Roles are kept properly distinct, information is handled on a need-to-know basis, and the client’s objectives—timing, risk, value and privacy—set the course for the work.

Panorama, the longest established real estate agency in Marbella

• Table of contents
• Independence in day-to-day practice
• Ownership, people and culture
• Conflicts, co-operation and disclosure
• Professional standards and client safeguards
• Introductions to third-party professionals (including lawyers)
• Fees, scope and documentation
• Complaints and redress
• Scope and review
• Related reading on our site

Panorama is a 100% family-owned company with no outside private investment. There is no external pressure from investors, franchisors or a remote corporate structure. Our team is appointed on merit—hired, developed and promoted for professionalism, judgement and service standards; positions are never imposed by a franchise network or other types of quotas.

Family ownership brings continuity, accountability and long-term orientation: prudent decision-making, careful stewardship of client relationships, and a culture of discretion and responsibility carried forward from one generation to the next.

Panorama is a 100% family-owned company with no outside private investment. There is no external pressure from investors, franchisors or a remote corporate structure.

Before proceeding, potential conflicts are considered, including links to a counterparty, developer, lender, community or related party. Where a material connection exists, it is disclosed in writing and the instruction is declined or ring-fenced as appropriate. Panorama cooperates with reputable agencies where this advances a client’s interests; terms are agreed in writing, and responsibilities are clear. For sales, the default is to act for one party only; if asked to facilitate a mediated process, this is undertaken only with explicit consent and appropriate documentation.

Panorama is RICS-regulated, bringing recognised standards for client-money controls, complaints handling with access to independent redress, professional indemnity and the RICS Rules of Conduct.

Governance is reinforced by experienced leadership and long practice through multiple market cycles. Data is handled respectfully and in line with applicable regulations. In lettings, procedures reflect licensing and registration where required, guest identification and registration, deposits and inventories, and evolving local requirements.

Panorama is a founding member of the Leading Property Agents of Spain (LPA), where Panorama's Managing Director, Christopher Clover, serves as Honorary President. LPA promotes good practice and collaboration among member agencies as an important industry association, but it is not a regulator. By contrast, RICS company regulation provides real estate-specific governance: client-money controls, a formal complaints process with independent dispute resolution, professional indemnity and enforceable Rules of Conduct.

Where specialist input is helpful—legal, architectural, planning, valuation, finance or property management—introductions can be made to independent, multilingual firms with relevant case experience and language coverage. For legal counsel in particular, Panorama does not maintain referral arrangements or affiliations; the client appoints their own lawyer, and a discreet liaison is provided if desired. For other specialists, introductions are made on capability and fit; engagement terms are agreed directly between the client and the chosen firm.

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Independent Marbella lawyers – how introductions work

Panorama’s own fees and any co-broking arrangements are confirmed in writing before work begins. Scope, milestones and lines of communication are set out clearly so that representation proceeds on an understood footing.

Concerns are handled under a two-stage procedure: an initial review by the appropriate manager, followed—if unresolved—by escalation to senior leadership under our RICS-compliant process. Details of the procedure and access to independent redress are available on request.

This policy applies to all Panorama staff and representatives across sales, rentals and advisory work. It is reviewed periodically to reflect regulation, market conditions and best practice, and may be updated without notice where required for compliance.

Summary: independently owned and family-run; no outside investors, franchises or quotas; people selected on merit; conflicts checked and disclosed; RICS-regulated systems; independent legal introductions with client appointment; discreet liaison available on request.

• How to verify our RICS status
• Christopher Clover — FRICS (2015): Christopher Clover – FRICS (Fellow)