VIVE MORTGAGE

I need a mortgage to buy a house

Take out a mortgage to buy a new home. Whether fixed, mixed or variable-rate, we’ve got a mortgage for you. Just a mortgage, nothing else. A real good one.

I just want a house, nothing else.

Your graduation, your first job, having a child... there are moments in life that you never forget. Building a home is one of them.

At Hipotecas.com, we know you’re different. That’s why we offer solutions tailored to you. Listening and accompanying you every step of the way.
  • Committed to the environment
  • Bespoke financial solutions
  • Choose between 7- and 30-year mortgage terms

Bespoke mortgage solutions for everyone.
Including you.

Product
DON’T HAVE SAVINGS? - VIVE JOVEN MORTGAGE
The mortgage for flying the nest and creating a home

With our mortgage solutions, you can borrow up to 100% of the value of your chosen property.

Product
WANT TO LIVE ALONE? - VIVE LIBRE MORTGAGE
The mortgage for free spirits looking for a home

We’ve never seen a mortgage for singles. So we’ve created one. One buyer and one owner so you don’t have to compromise with anyone when customising it. We like free spirits.

Product
LOOKING TO BUY A SECOND HOME? - VIVE MEJOR MORTGAGE
The mortgage to expand your horizons

Buy a second home at the beach, in the country or wherever you like with full financing. Guarantee it with your current home and don’t spend all your savings. Save them for other projects, like living.

Product
ARE YOU A CIVIL SERVANT? - VIVE SEGURO MORTGAGE
The mortgage for those who know their mind. Now and always

If you’re a civil servant, you’ll find it easy to purchase a home with us.

We’re interested, yes. Interested in you and your project

  • Fixed Rate

    "Let the good times continue"
    Your 10- to 30-year fixed rate mortgage
    • Fixed 10 T1

      • Type
        2.090%
      • APR
        2.158%
    • Fixed 20 T2

      • Type
        2.790%
      • APR
        2.852%
    • Fixed 30 T3

      • Type
        2.990%
      • APR
        3.050%
  • Mixed Rate

    ‘Evolves with your lifestyle’
    From 3 to 25 years at a fixed interest rate. The rest at a variable rate up to 30 years
    • Mixed 10 T4

      • Type
        2.390%
      • Euribor
        *
        +
        0.990%
      • APR
        Variable
        2.437%
    • Mixed 15 T5

      • Type
        2.490%
      • Euribor
        *
        +
        0.990%
      • APR
        Variable
        2.540%
    • Mixed 20 T6

      • Type
        2.790%
      • Euribor
        *
        +
        0.990%
      • APR
        Variable
        2.847%
  • Variable Rate

    ‘It changes, just like you do’
    1 or 2 years at a fixed interest rate and the rest at a variable rate up to 30 years
    • Variable 1 T7

      • Type
        2.890%
      • Euribor
        *
        +
        1.590%
      • APR
        Variable
        2.950%
    • Variable 2 T8

      • Type
        2.590%
      • Euribor
        *
        +
        1.390%
      • APR
        Variable
        2.642%

*During the variable period, the rate will be reviewed every six months based on the latest Euribor published prior to the review date.

Long live the people who add up

  • With ease

    Simple processes, where and when you want.
  • With security


    We anticipate your doubts.
  • With freedom

    Keep working with your bank or whomever you want.
  • Personal Manager

    A guide to accompany you throughout the process.
  • Products designed for you

    Tell us what you’re looking for. We’ll work to make it happen.
  • Transparent

    Let’s leave the surprises for parties and birthdays.
  • Digital. Personal.

    The mortgage you design yourself, to your own specifications.

You can count on us: today, tomorrow and always

  • 1

    Before applying

    Don’t waste time searching the Internet. Internet doesn’t have all the answers. Our Personal Manager does. You decide what, how, where and when, and we’ll adapt to you.

  • 2

    During the process

    Our favourite bicycle model is a tandem. You know why? Because we can pedal together, in the same direction. Because it’s what you need during the entire process.

  • 3

    After signing

    We’ll be with you to the end, and beyond. We forge such strong relationships that if you invite us to your birthday party at the end, we can’t say no :)

INSURANCE WOULD GO GREAT WITH YOUR MORTGAGE

Insure your future with us

We should take care of the things that really matter, don’t you think?
Find a policy that suits your mortgage and lifestyle needs.

  • INSURANCE AS BIG AS A HOUSE

    Home insurance S1

  • EVERYTHING CHANGES, EVERYTHING STAYS THE SAME

    Payment protection insurance S2

  • BE PREPARED FOR THE ‘JUST IN CASE’

    Life insurance S3

Product
SUMA / HOME PURCHASE + RENOVATION MORTGAGE
In a blink of an eye. Turn your house into a home

Don’t call them second-hand houses,
call them homes with potential.

Product
VIVE / HOME PURCHASE MORTGAGE
Just a mortgage, nothing else.

Because what doesn't add up, subtracts.
Take out only what you need.

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Product
CREA / BUILD YOUR OWN HOME MORTGAGE
Start building your future, from zero to infinity

We call your ideas ‘real ideas’ because
together we can make them a reality.

Acronyms and jargon are not our thing. We say it in plain language.

  • APR stands for Annual Percentage Rate and is a financial term that can be defined as the interest rate that indicates the cost or effective yield of a financial product during the term established for the operation.
  • NIR stands for Nominal Interest Rate It is the percentage applied to the outstanding loan capital to calculate the interest that the borrower has to pay the bank or financial institution for the money lent. 
  • Acronym for ‘European Interbank Offered Rate,’ it is the interest rate at which the main financial institutions lend money to each another on the interbank market. One-year Euribor is the most widely used benchmark rate for variable rate loans, and is published monthly by the Bank of Spain.
  • Part of the price advanced by the buyer in a contract of sale as a guarantee that they will purchase the property.

Got questions?

Don’t worry – that’s perfectly normal.

  • Time + Excitement + People + Trust + Digital + Dreams = Our formula for success

  • Simulador
    MORTGAGE CALCULATOR

    If only I could. Wait... Maybe I can

Forget about our story. What matters is yours!

MORTGAGE NEWS
Introducing the SUMA product: Buy a house and make it your home

In our quest to continue working to provide bespoke financial solutions to all our customers, at Hipotecas.com we are pleased to present the new SUMA product: the first mortgage that combines the purchase and renovation of a home under the same loan.

MORTGAGE NEWS
What is the Bono Social Eléctrico?

The Bono Social Eléctrico is a scheme introduced by the government whereby vulnerable consumers (single-parent or large families, victims of terrorism and pensioners, among others) receive a discount on their electricity bill. The discount applied varies...

YOUR HOME AND YOU
5 tips for creating a productive workspace at home

The situation caused by the pandemic has changed our lives in many ways and, when we least expected it, we were confronted with a new reality: remote working entered our lives and, for many of us, it is here to stay.

Our agents are licensed to market Hipotecas.com products as mortgage brokers.
 
S1 Home insurance brokered through Unión de Créditos Inmobiliarios, S.A. E.F.C. Operador Banca Seguros Vinculado, A39025515, marketed with the insurance company Liberty Seguros, compañía de Seguros y Reaseguros, S.A.

S2 Payment protection insurance brokered through Unión de Créditos Inmobiliarios, S.A. E.F.C. Operador Banca Seguros Vinculado, A39025515, marketed with the insurance companies Cardif Assurance Vie, Sucursal España and CNP Partners de Seguros y Reaseguros, S.A.

S3 Life insurance brokered through Unión de Créditos Inmobiliarios, S.A. E.F.C. Operador Banca Seguros Vinculado, A39025515, marketed with the insurance companies Cardif Assurance Vie, Sucursal España and CNP Partners de Seguros y Reaseguros, S.A.

S Insurance brokered through Unión de Créditos Inmobiliarios, S.A. E.F.C. Operador Banca Seguros Vinculado, A39025515, registered with the Directorate-General for Insurance and Pension Funds (DGSFP) under no. OV-0076. Civil liability and financial capacity covered according to current legislation. Insurance companies: Cardif Assurances Risques Divers Suc. España, Santander Seguros y Reaseguros, Compañía Aseguradora, S.A., Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A. (Caser), Liberty Seguros, Compañía de Seguros y Reaseguros, S.A., CNP Partners de Seguros y Reaseguros, S.A., Cardif Assurance Vie, Sucursal España. For more information, visit the DGSFP’s Single Point of Information at:  http://www.dgsfp.mineco.es/


  • With clear explanations and large print.

  • Person-to-person. Leave your details today, and we’ll call you tomorrow.

  • Tailored to your circumstances, the mortgage that fits like a glove.