MORTGAGE CONSOLIDATE

The mortgage to consolidate debts consists of unifying all mortgage and personal loans into a single one. This way, you have a single monthly payment which will be less than the sum of the different payments you face individually.

FIXED RATE

2,5%

PURCHASE PRICE AND VALUATION

100%

TERM

40 years

Advantages of contracting with Hipotea

Personal advisor

You’ll deal with people like you who will listen to you and work to meet your needs and interests

We negotiate for you

We take care of everything. We will negotiate with banks on your behalf, saving you paperwork and headaches.

Better terms

We work with the majority of banks and have major agreements with offers your own bank won’t give you

      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.

Is consolidating debts right for me?

It is convenient to consolidate your debts if you have several monthly debts and need to pay less to make ends meet or feel less strained each month. It is also a way to have a lower interest rate compared to what personal loans charge.

For example:

	Now	Afterwards
Mortgage	95,000 / €500/MONTH	120.000 /
Car	15,000 / €350/MONTH	X
Credit Cards	10,000 / €250/MONTH	X
Total	120.000 // 1.100	120.000 // 390

What costs are involved?

Since the mortgage law reform of 2019, the entity assumes all charges of the new mortgage loan. You would only need to pay, in some cases, the valuation and any cancellation fees of existing loans.

What are the requirements to consolidate debts?

At Hipotea we work on three levels depending on the client's situation:

No arrears, have job stability and can afford the new monthly payment from their salaries: we have banking products at banks. Main features: long terms (up to 40 years), attractive interest rates from 2.5% fixed rate and financing ratios up to 80% of the property's value.
Have arrears or missed payments: we go to financial companies. Shorter terms and slightly higher rates.
In legal proceedings or a very critical situation: we go to private capital, with financing percentages around 30% of the property's value.

Types of mortgages to consolidate debts

For these types of mortgages many companies offer private mortgage loans - never accept this option, it may cause problems such as losing your home and further seizure. The mortgage must always be approved by a bank; therefore, at Hipotea we specialise in all types of mortgages and are the intermediary you need between your situation and the bank.