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Our mortgages
If no two houses are the same, then why should all mortgages be? At UCI, we adjust the finance to your project.
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Rehabilitation of homes and buildings
We finance the rehabilitation of homes and buildings, as part of a drive to decarbonise housing stock.
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Other specialised financial products
Customised finance solutions.
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Real estate
We offer products and services adapted to your needs and those of your clients.
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Rehabilitation Business
Transforming towns and cities, making them sustainable and resilient
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Financial consultants
We surround ourselves with excellent professionals raising finance for our clients’ homes on a daily basis.
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General Information
Institutional information and corporate events
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Financial-economic information
Relevant annual company report
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Issuance
Securitisations
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Corporate Governance and Remunerations Policy
Governance Structure, Risk Management and Compliance
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Other policies
Other corporate documents
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ESG the cornerstone of our commitment
The future will be sustainable, or it will not
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Environment
We promote a sustainable transition through finance.
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Social
People and our connections to them when we grow our business sustainably.
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Good governance
A governance structure that enables us to define a framework for ethical, responsible and transparent action.
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Other policies, codes and standards
Compulsory information in accordance with regulations
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Get to know us
We promote sustainable transition through finance.
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Talent
We want to be a place where you feel at home.
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Press Room
A home is filled with shared stories. Here we tell you ours.
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Latest news
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November 22, 2023SOURCE: Fitch Ratings
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October 3, 2023SOURCE: DBRS Morningstar
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September 12, 2023SOURCE: FITCH
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September 12, 2023SOURCE: UCI
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April 4, 2023SOURCE: ICO. Instituto de Crédito Oficial
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April 4, 2023SOURCE: ICO. Instituto de Crédito Oficial
*Environment, Social and Governance
RMBS GreenBelém No. 1
Our mortgages are greener than green
We are the first financial institution in the Iberian Peninsula to obtain the Energy Efficiency Mortgage Label (EEML).
This seal is proof that our green mortgages and sustainable financial solutions fulfil the strictest criteria of care for the environment. This is a plus for you in terms of transparency and authenticity.
In compliance with the terms of article 405 of Regulation (EU) no. 575/2013 of 26 June and article 6(3) of the “EU Securitisation Regulation”, on prudential requirements for credit institutions and investment firms, Unión de Créditos Inmobiliarios S.A., E.F.C. is committed to withholding securitisation funds issued from 2004 onwards, in a continuous manner, with a significant net economic interest. In this regard, "in a continuous manner" should be understood as the fact that the net economic interest withheld is not subject to any reduction in credit risk, or to short term positions or other types of hedging and nor will it be sold. All the updated details on this requirement may be located in the Regular Information published in respect of said securitisation funds in Santander de Titulización