Our Mortgages

We understand that each one of our clients has different mortgages needs. Our website aims to provide a tool to understand how the mortgage process works. Please contact us for a personal consultation call, so we can understand your particular circumstances and advise you.

When buying a house, the process of getting a mortgage can be draining and time consuming. Checking different banks, comparing interest rates and conditions, and waiting for replies…

At Hipoteken, we are more than happy to take this job off your list. We work daily with trusted banks & mortgage specialists to find you the best options in reasonable times.

We are a registered mortgage broker, regulated by the Bank of Spain – this offers our clients a guarantee of our ethics, experience and training.

Non-resident mortgages


For those who are receiving income & being taxed outside Spain, banks will provide mortgages of between the 60% and 70% of your purchase, depending on your country of origin and circumstances.

Resident mortgages

Living and working in Spain? In this case banks will tend to finance 80% of your purchase, but in some cases we can manage to get 90% or even higher. Read more…

Improve your mortgage

Do you already have a mortgage in Spain? We can still help you, as in many cases we can improve your mortgage deal and obtain considerable savings for you. Cost is small and the savings can be huge!

How do
We start?

This how we recommend we start together with your mortgage process:


Contact us! We will call you shortly so we can know more about your needs. We love to speak to our clients!


Check out the Mortgage calculators. You can see how much your repayment would be, or estimate your eligibility for a mortgage.


Go to our blog to see some of the information we post there, as well as our frequently asked questions


Still in doubt? Read in the testimonials section what our clients say about us!

What are the keys in selecting a mortgage?

1 Loan to value (LTV%)This is the % of your purchase price the bank is ready to finance you.

2 Type of mortgage – Is the interest rate fixed or variable?
3 Interest rate (i%)  How much is the bank charging you for your loan.
4 Set up cost – How much are the set up costs of the mortgage?
5 Combined sale products – Do you have to take bank’s products together with the mortgage? Is their cost reasonable? Do I need them?

Some of the mortgages we can offer depending on your purchase…

Resale mortgages
New Build mortgages
Self Build mortgages
Resale with refurb mortgages
Inverse mortgages

Check our
Other services


Equity releases and re-mortgages are not easy in Spain, but contact us to tell us your specific situation and need and we will advise on way forward.



Have you received a lump sum and considering where and how to invest it? Ask us!



Leave your mortgage application to us, we will take care of it all and make sure we try all possible options to get you the mortgage you need!

Contact us

We will contact you as soon as possible!

Would you prefer us to call you?