SUMA MORTGAGE

I need a mortgage to purchase and renovate a home

With our home purchase and renovation mortgage, make your new home beautiful without having to save up for it. The mortgage that suits your home and you too.

A house feels like a home when you make it your own.

The extra pounds, the workouts, we can always improve, don’t you think? Well, the same applies to your home. Carry out the necessary renovation work and include the cost in your mortgage at a lower interest rate than if you took out a separate loan. And do it now because, if you put it off, you know you’ll never get around to it.

  • Committed to the environment
  • A selection of builders to choose from
  • Maximum mortgage term of 30 years
  • Pay at your convenience during and after the work
  • Two-year warranty from the builder
  • Full financing to buy and renovate your home

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.

Make SUMA a green mortgage if you wish...

HOME PURCHASE + RENOVATION MORTGAGE

With this green mortgage, the planet benefits too

Purchase and renovate your new home and enjoy the advantages of a green mortgage.

Make it Green and save on energy bills.

Find answers to your questions here...

1. A Green Mortgage... What is it?
With the Suma Green Mortgage you get 2 for 1: you buy a new home and renovate it, making it beautiful and sustainable.

2. But... how does it work?
In short: you’ll obtain financing if your home has an A energy efficiency rating.

3. But wait... what does A energy efficiency mean?
It’s very simple: it certifies that your home was built to sustainable standards, thereby reducing your utility bills and helping to protect the planet.

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

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

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

Our customers’ opinions

Satisfaction rating given by our customers

9.9/10
+ THAN 2346 OPINIONS

Muy contento con el servicio El trato por parte

SEP 2021

DE MOMENTO MUY CONTENTO CON EL SERVICIO Y EL GESTOR

SEP 2021

Muy contentos y satisfechos especialmente con la profesionalidad y amabilidad

SEP 2021

Trato muy correcto Contratación de la hipoteca online sin

SEP 2021

El proceso de compra de una vivienda es un poco

SEP 2021

Excelente Buscando soluciones siempre disponible ***es un

SEP 2021

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.