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.
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.
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.
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!
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!
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?
Resale mortgages
New Build mortgages
Self Build mortgages
Resale with refurb mortgages
Inverse mortgages
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!
Yes, you can get a mortgage in Spain if you are a non-resident. Learn more…
A mortgage broker like Hipoteken helps you find the best deals quickly and easily by comparing offers from multiple banks. You benefit from expert guidance, exclusive mortgage options, and a smoother process from start to finish. Learn more…
Once we have your documents, you can get a mortgage offer within 48–72 hours (or even 24 for urgent cases). The full process — from offer to completion — usually takes 4–8 weeks. Learn more…
It depends on your finances and the property’s value. Most banks lend up to 70%–75% of the property price and ensure your repayments stay under 30% of your income. Try our affordability calculator for a personalized assessment. Learn more…
Your deposit depends on the bank’s Loan-to-Value (LTV) offer. Expect to contribute 30%–40% of the property price plus taxes and fees, depending on your residency and location. Learn more…
Typical costs include taxes, legal and notary fees, registration, and mortgage expenses. The total varies by region, property type, and personal circumstances. Learn more…
You don’t need a NIE to start your mortgage application — your passport is enough. However, you’ll need it before completing your property purchase, so it’s best to apply early. Learn more…
We will contact you as soon as possible!
