MORTGAGES RUSTIC

The best financing for properties on rustic land, with up to 90% and fixed rates from 1.80%.

Buying a home on rural land usually presents more difficulties than a conventional mortgage. That is why we have created a specific solution that allows you to access advanced, clear, and secure financing, even when other institutions offer no alternatives.

WHAT IS A RURAL MORTGAGE?

A rural home is one located on land that is not urban, and its financing requires meeting certain urban planning and registry requirements. For it to be mortgaged, the following must be verified:

Being segregated

It must be an independent property, not undivided.

Having the home registered

If it is not, we can assist you through a declaration of new construction to regularise it.

Having no active sanction proceedings

It is necessary that there are no active urban sanctions.

Why is this mortgage different?

While traditional banks usually offer unfavourable conditions or simply do not finance this type of property, our Rural Mortgages allow you to:

Feature	Traditional banking	Rural Mortgage (Hipotea)
Financing	Limited	Up to 90%
Interest rate	Higher	From 1.80% fixed
Assessment	Very restrictive	Specialised in rural properties
Regularisation	No support provided	Full accompaniment
Process	Slow and unclear	Fast and guided process

      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