OCTOBER OFFERS 2026
FIXED RATE: From 1.90%
HYBRID MORTGAGE: Fixed rate for first 10 years from 1.55%
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The mortgage that adapts to you with the best terms

hipotea — a bright idea for your mortgage

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Are you thinking of buying a home and want to know whether you could realistically obtain a mortgage before taking any missteps?

GET YOUR FREE MORTGAGE VIABILITY REVIEW

REQUEST IT BY CLICKING HERE
Reunión de asesoría con una clienta y un asesor

We are the first company accredited by the Bank of Spain

“Over the years thousands of clients have been able to make the dream of buying their home a reality thanks to our help and on the best terms.”

Antonio López – CEO of hipotea asesores

Time savings

We handle all the procedures and paperwork. You can also carry out all your processes online, giving you more time for yourself.

Money savings

With us you are guaranteed to have the best market offer thanks to the multitude of agreements we have

Gain peace of mind

We work for you, not for the banks, so the mortgage will adapt to you and not the other way around. We will accompany you throughout the process, explaining and advising you on EVERYTHING.

They have all already obtained their mortgage

 
 
 
 
  EXCELLENT  
 Google star 1Google star 2Google star 3Google star 4Google star 5 
 Based on 894 reviews 
  
 
 
 
 
 
 
 
  
 
 
 
 Posted on Google Google 
 
 Angel Romero Parra profile picture 
 
 
 Angel Romero Parra 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the review’s original source is Google. 
Emilio was very attentive and answered every question, even after we had applied for the mortgage.Translated from Spanish
  
 
  
 
 
 
 Posted on Google Google 
 
 Raul Vivar Cano profile picture 
 
 
 Raul Vivar Cano 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the review’s original source is Google. 
We came across Hipotea almost by chance and with little hope after a huge disappointment with the bank we had used all our lives.



From our first meeting with Emilio to discuss our case, I knew we had made the right choice, and the following weeks only confirmed it.



Resourceful, tireless and very knowledgeable about his work, he advised us and patiently supported us throughout the process. Everything moved so quickly and smoothly that within a few days we had a positive assessment from another bank, with very good terms indeed (it will be a long time before that interest rate is seen again).



A few days ago we were finally at the notary’s office. With so many documents and so much ceremony, I felt intimidated (as the saying goes, there is nothing more serious than a mortgage), but as soon as Emilio walked through the door I relaxed, because I knew we had someone on our side.



My only regret is not having met them sooner, because it would have saved us a great deal of upset and frustration.Translated from Spanish
  
 
  
 
 
 
 Posted on Google Google 
 
 laura morgado parrado profile picture 
 
 
 laura morgado parrado 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the review’s original source is Google. 
Fantastic service. We bought a property in another region and received a great deal of help. They gave us confidence from the start, especially Emilio, who handled everything for us and continues to help us. I recommend him 100%.Translated from Spanish
  
 
  
 
 
 
 Posted on Google Google 
 
 Rafael Bueno Moreno profile picture 
 
 
 Rafael Bueno Moreno 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the review’s original source is Google. 
My experience with Emilio has been, and will continue to be, a 10.

An entirely positive experience. He is always available to help and answer questions, during working hours and outside them. Thanks to him, buying our flat has been a much calmer and more satisfying process. If you are looking for a financial adviser and reading this, do not hesitate to call him. 100% recommended!

Thank you for everything, Emilio. You are brilliant.Translated from Spanish
  
 
  
 
 
 
 Posted on Google Google 
 
 Alejandra Cfernandez profile picture 
 
 
 Alejandra Cfernandez 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the review’s original source is Google. 
We happened to turn to Emilio at Hipotea after a recommendation from people we knew. It was the best decision we could have made. He made things easy, guided us every step of the way and stood by us. Today we can say we have our home thanks to him.Translated from Spanish
  
 
  
 
 
 
 Posted on Google Google 
 
 Francisco Alcalá Romero profile picture 
 
 
 Francisco Alcalá Romero 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the review’s original source is Google. 
I thought my application was impossible, but Julio made it straightforward.Translated from Spanish
  
 
  
 
 
 
 Posted on Google Google 
 
 Adrian Chica Lopez profile picture 
 
 
 Adrian Chica Lopez 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the review’s original source is Google. 
Exceptional service from Julio. It would not have been possible without his help. I could not be more grateful.Translated from Spanish
  
 
  
 
 
 
 Posted on Google Google 
 
 Antonio Ruiz Esquinas profile picture 
 
 
 Antonio Ruiz Esquinas 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the review’s original source is Google. 
It was a pleasure to work with them. They supported us throughout the process, answered all our questions and found the bank that granted us the mortgage. Thank you so much for everything. We will turn to you whenever we need you.Translated from Spanish
  
 
  
 
 
 
 Posted on Google Google 
 
 Adrian Perales Del Rey profile picture 
 
 
 Adrian Perales Del Rey 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the review’s original source is Google. 
I have been lucky enough to meet both a good person and an outstanding professional in Emilio.

Always willing to help me and resolve every detail and every question, at any time.

For me, he will always be the best part of the deal.

Thank you for everything, Emilio. It has been a pleasure working with you. You made everything so easy for me. We need more people like you. 👏🏻👏🏻👏🏻Translated from Spanish

How do we work?

We work for and on your behalf saving you bureaucracy, paperwork and wasted time and best of all, you will get a mortgage that adapts to you and not you to it.

  • Information Request

    Tell us what you need by whichever method you prefer: phone call, questionnaire, email, video call…

  • We analyse your needs

    We study your case and prepare the best options on the market that suit you.

  • We will contact you

    One of our expert advisers will get in touch to explain the best offers and help you choose the right option.

  • Always by your side

    We manage your mortgage, supporting you from the start through to signing.

Dos profesionales revisando documentación en una oficina
Pantallas de la aplicación móvil de Hipotea

One unique app on the market

The power of having your mortgage adviser in the palm of your hand. We’ve designed an app so you can apply for, manage and sign your mortgage from the comfort of your sofa.

Botón de descarga para App Store
Botón de descarga para Google Play

Our blog

On our blog you can keep up to date with the latest in the mortgage sector

Frequently Asked Questions

By working with us, you gain access in one place to multiple offers from different financial institutions, generally at better prices than you could obtain on your own, thanks to our substantial negotiating volume. This significantly improves your chances of finding a mortgage that suits your needs. We provide expert, personalised advice that simplifies the process, saving you time and effort. Recognised as the 1st mortgage brokerage company in Spain by the Bank of Spain, with experience since 1999, we offer a personal and professional service. You can also manage the entire process digitally through our app. We support you from your initial application through to signing the contract, and offer a free renegotiation service during the first five years. If better offers become available, you can adjust your mortgage without incurring additional costs.

At Hipotea, we start with a free initial financial analysis to identify the most advantageous mortgage options for you. We assess your needs and compare them with more than 500 financial products, ensuring the best conditions, which would be hard to obtain on your own.

A specialised adviser will explain in detail the most suitable options for your profile. It is important to note that our fees are flexible: they can be free or, if a fee applies for our service, we will detail the potential savings so you can decide whether to proceed. Remember, the first assessment is free and without obligation.

Moreover, once the mortgage is formalised, our commitment to you does not end. We offer a free renegotiation service for five years, should market conditions improve.

At Hipotea we also differentiate ourselves by not selling your personal information. We value and protect your privacy at every step of the process.

The first step is to carry out an analysis of your financial situation. This includes reviewing your credit history, income, expenses and any existing debts. We then analyse what you need. Based on this information, we advise you on the mortgage options you may be eligible for and recommend the best offers.

Generally, you will need to provide personal identification, proof of income, bank statements, details of your current debts and, if purchasing, information about the property you wish to buy. Our team will provide a detailed list tailored to your specific circumstances.

Timing can vary depending on several factors, including the complexity of your financial situation and the workload of the bank or credit institution. On average, the process can take between 4 and 8 weeks. We will keep you informed at every step and work to expedite the procedures as much as possible.