You pay €0 in mortgage broker fees.
The client pays no fees to Hipoteca Real. Where we can handle the transaction, remuneration comes from the financial institution if the mortgage is formalised.
Why doing the numbers first matters
A mortgage is not only about finding a low interest rate. The purchase has to work as a whole: upfront cash, monthly payment, existing debt and enough liquidity after completion. The earlier those numbers are clear, the easier it is to avoid signing a reservation or deposit contract based on an assumption.
What “free” means here
Hipoteca Real does not charge the buyer an initial fee, a success fee or a later client fee for the mortgage transactions we handle.
How we are paid
Where applicable, the financial institution remunerates Hipoteca Real when a financing operation is formalised. That does not change the fact that the lender makes the credit decision.
What happens if we cannot handle the case
We tell you what is blocking the transaction and, when useful, what conditions would need to change or what other route you can explore yourself.
What you can expect from Hipoteca Real
We carry out an initial mortgage study, organise the information needed for the case and, where the operation fits the solutions we can handle, accompany the process through documentation, prescoring, presentation to the lender and the steps before signing. Hipoteca Real does not grant or approve credit.
No fees for you. You do not pay Hipoteca Real a client fee. When a mortgage is formalised through a lender we work with, our remuneration comes from that financial institution.
Common questions
Do I need to have chosen a property?
No. We can start with a price range and your financial situation, then update the study when you have a specific property.
Can I do everything remotely?
Yes. The service is available online and by phone throughout Spain.
Does the study guarantee approval?
No. The lender makes the final lending decision after its own affordability and risk assessment.
Do you charge the buyer a fee?
No. Hipoteca Real does not charge the client fees for the study or for the transactions we handle.
Tell us about your purchase
A few figures are enough to start. We will use them to understand the case and decide the next step.