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¿Quién consigue comprar casa en España en 2026?
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The mortgage that adapts to you with the best terms
hipotea — a bright idea for your mortgage
Request your FREE, no-obligation review now to receive a fully personalised offer REQUEST IT NOW!
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
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
They have all already obtained their mortgage
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.
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Information Request
Tell us what you need by whichever method you prefer: phone call, questionnaire, email, video call…
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We analyse your needs
We study your case and prepare the best options on the market that suit you.
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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.
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Always by your side
We manage your mortgage, supporting you from the start through to signing.
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.
Our blog
On our blog you can keep up to date with the latest in the mortgage sector
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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.