MORTGAGE VARIABLE-FIXED 5 years:
The best choice if you want it all

At Hipotea Asesores, we know choosing a mortgage is one of the most important decisions of your life. That’s why we want to introduce our mixed-rate mortgage option, a solution that combines the best of fixed and variable rates, designed especially with you in mind.

FIXED RATE

0.95% first 5 years

TERM

30 years

From 6th year

Euribor + 0.30

PURCHASE PRICE AND VALUATION

100%

Why choose our Mixed-Rate Mortgage?

Stability and Savings from Day One

With our mixed-rate mortgage you’ll enjoy peace of mind during an initial fixed-rate period in which you’ll know exactly how much you’ll pay for the first years. You can even choose how long this initial period lasts, from 3 to 15 years, and at an interest lower than a permanent fixed-rate mortgage. This predictability lets you plan your finances in the short and medium term without surprises, giving you the security you need to enjoy your home.

Benefit from Our Unique Terms

Thanks to the large volume of mortgages we manage, we have negotiated exceptional terms with banks that you won’t find as an individual. This means lower interest rates and financial advantages that we put directly in your hands. With our mixed-rate mortgage, you’ll enjoy the security of a competitive fixed interest rate during the initial years, the best variable mortgage thereafter, and the flexibility to adapt terms in the future because you can have us as your personal advisor accompanying you always.

Flexibility for Tomorrow

But that’s not all. Just as you switch phone or electricity providers to get the best deal, our mixed-rate mortgage offers the flexibility to adapt to market fluctuations. Before the variable-rate period begins, you’ll have the chance to review the terms and decide whether to switch to variable rate or take advantage of new market offers by renewing a new fixed period. It’s a way to ensure you always have the best option for your financial situation. Additionally, our clients can consult us free of charge for advice and help choosing.

Commitment and Clarity at Every Step

Choose an intelligent solution tailored to you: our mixed-rate mortgage. Contact us today and find out how we can help you achieve your dreams.

      EXCELLENT  
   Based on 894 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Angel Romero Parra 
 
 
 
 Trustindex 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  
   
   Raul Vivar Cano 
 
 
 
 Trustindex 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  
   
   laura morgado parrado 
 
 
 
 Trustindex 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  
   
   Rafael Bueno Moreno 
 
 
 
 Trustindex 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  
   
   Alejandra Cfernandez 
 
 
 
 Trustindex 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  
   
   Francisco Alcalá Romero 
 
 
 
 Trustindex 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  
   
   Adrian Chica Lopez 
 
 
 
 Trustindex 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  
   
   Antonio Ruiz Esquinas 
 
 
 
 Trustindex 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  
   
   Adrian Perales Del Rey 
 
 
 
 Trustindex 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

We study your profile and needs

We will carry out an assessment to understand your needs and find the mortgage that best suits you

We search across all market options

We apply for a mortgage with the majority of banks and personally negotiate the conditions.

We support you in choosing and signing

We will provide the best options, guide you in the choice and help you understand everything.

WE ANSWER THE MOST COMMON QUESTIONS YOU MAY HAVE

Why hire you if my bank will grant it?

The savings we obtain for you must far outweigh our fees, so our service will not only pay for itself but you will save a lot of money. Also, the assessment is free and without obligation; if it doesn’t convince you, you pay nothing.

Why do you have better conditions than if I go myself?

We represent thousands of clients, which allows us to secure better conditions through volume. Who do you think gets better prices on fruit, a large supermarket or an independent greengrocer? For the same reason we get better prices.

Is the assessment really free?

The assessment is completely FREE. In it we will learn about your needs and current situation. From there we will search for a mortgage that fits your requirements.

What are your fees?

We are your mortgage tailor, we fight for you and your interests; We work solely for your interests so we will only present the options that best suit you. We only charge if you win and secure the best conditions.

MORTGAGE VARIABLE-FIXED 5 years:
The best choice if you want it all

FIXED RATE

TERM

From 6th year

PURCHASE PRICE AND VALUATION

Why choose our Mixed-Rate Mortgage?

Stability and Savings from Day One

Benefit from Our Unique Terms

Flexibility for Tomorrow

Commitment and Clarity at Every Step

We study your profile and needs

We search across all market options

We support you in choosing and signing

WE ANSWER THE MOST COMMON QUESTIONS YOU MAY HAVE

PERSONALISED ADVICE

You're just one click away from securing the best mortgage

Our Mortgages

Contact Us

MORTGAGE VARIABLE-FIXED 5 years: The best choice if you want it all

FIXED RATE

TERM

From 6th year

PURCHASE PRICE AND VALUATION

Why choose our Mixed-Rate Mortgage?

Stability and Savings from Day One

Benefit from Our Unique Terms

Flexibility for Tomorrow

Commitment and Clarity at Every Step

We study your profile and needs

We search across all market options

We support you in choosing and signing

WE ANSWER THE MOST COMMON QUESTIONS YOU MAY HAVE

PERSONALISED ADVICE

You're just one click away from securing the best mortgage

Our Mortgages

Contact Us

MORTGAGE VARIABLE-FIXED 5 years:
The best choice if you want it all