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.
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.
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.
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.
If you want more info
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
Mixed Rate‘Evolves with your lifestyle’3, 5 or 10 years at a fixed interest rate. The rest at a variable rate up to 30 years
Variable Rate‘It changes, just like you do’1 year at a fixed interest rate and the rest at a variable rate up to 30 years
*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 easeSimple processes, where and when you want.
With securityWe anticipate your doubts.
With freedomKeep working with your bank or whomever you want.
Personal ManagerA guide to accompany you throughout the process.
Products designed for youTell us what you’re looking for. We’ll work to make it happen.
TransparentLet’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
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.
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.
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 :)
YOUR MORTGAGE LOOKS GOOD WITH AN INSURANCE
Ensure your future with us
The things that really matter should be taken care of, don't you think?
Find an insurance designed for your mortgage and for your life.
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
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.
Don’t worry – that’s perfectly normal.
Forget about our story. What matters is yours!
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.
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
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/