Menu
Thank you for your interest in Hispania Mortgages. Before anything else, we would like you to meet who is behind Hispania Mortgages and under which laws we operate.
Hispania Mortgages is managed by Rocío Luna de Toledo Sánchez, an independent agent who operates as a real estate credit intermediary under Spanish law. All references to ‘Hispania Mortgages’, ‘we’, or ‘our company’ on this website and in legal documents refer to Rocío Luna de Toledo Sánchez in her commercial capacity as Hispania Mortgages.
Our legal address is Calle Anacardo 25, 30700, Torre Pacheco, Murcia, Spain.
Following the European Directive 2014/17/UE and the Spanish regulation Ley 5/2019, de 15 de marzo, reguladora de los contratos de crédito inmobiliario, all mortgage brokers in Spain must be registered at the Banco de España as a Real Estate Credit Intermediary. This regulation is designed to set out specific rules to protect individuals who act as borrowers, guarantors, or sureties for loans secured by mortgages or other real property rights.
Rocío Luna is a Real Estate Credit Intermediary recognised by the Banco de España through the reference number D302. You can see her registration letter here. Additionally, she holds a Business Administration bachelor degree by the University of Murcia and is a member of the Official College of Economists of the Region of Murcia with registration number 30/1985.
Transparent Fees and Independent Expertise
As an independent Real Estate Credit Intermediary, Rocio Luna collaborates with a wide network of banks to secure the best financing deals tailored to each client’s needs. While she may receive commissions from some banks, her primary earnings come from a transparent fee structure charged to her clients, ensuring unbiased and dedicated service. You can learn more about our fees during our free initial consultation call.
Comprehensive Customer Service and Claims Support
We understand that the process of purchasing a property in a foreign country can be complex and raise questions. Our commitment is to make this process as smooth and straightforward as possible for you, while maintaining open and transparent communication throughout. For any questions or concerns feel free to contact us at hello@hispaniamortgages.com or by post mail at:
Rocio Luna de Toledo
C/ Anacardo 25
30700, Torre Pacheco
Murcia, Spain.
In the unfortunate event that you need to present a claim, rest assured that we comply with Spanish regulations and are legally obligated to respond to customer claims within one month of their submission, provided they are presented in the correct form and manner. If you are not satisfied with our resolution, you may escalate your claim to the Bank of Spain’s Claim Service within 12 months from the original claim presentation date. You can find more information here.
In the early stages of his legal studies, Sergio gravitated towards real estate and property management. While studying Law at the University of Murcia, he gained valuable experience working at Condado de Alhama, where he developed expertise in community management, administration, and all legal aspects of property matters. Since 2022, Sergio has been working as an independent lawyer, developing and growing his own portfolio of clients and providing assistance on various legal matters. He recently joined Hispania Mortgages, where he assists our clients with their legal requirements, ensuring a smooth, secure, and efficient property purchase process in Spain.
With an Art History degree from the University of Murcia and an online marketing education, Rocio Romero began her career in client relationship management within the real estate sector. Subsequently, she transitioned to Munich, where she continued to excel in CRM and marketing roles within an online data procurement company. She currently serves as the Marketing and PR specialist for Hispania Mortgages, where she combines her creative side and her knowledge for online marketing.
In her free time (if there is such thing with two toddlers), she enjoys all the outdoor possibilities her current location offers, riding her Peloton bike & her passion for Spanish fashion (which she explores through her dieperfektegast Instagram page).
Following her graduation from the University of Murcia, Rocío embarked on a distinguished career in banking and finance spanning 15 years, during which she held key roles in renowned international and Spanish banks such as Banco Urquijo, Credit Lyonnais and La Caixa, specialising in areas of intensive real estate development.
After establishing a La Caixa office on the Mediterranean coast and bolstering its presence, Rocío utilised her expertise in financial and legal real estate matters to establish her own business. Specialising in Spanish mortgages and conveyancing services for international clients, she prioritises personalised, transparent, and efficient customer service. Over the last 15 years, Rocío has facilitated numerous successful transactions and earned trust as a reliable intermediary between Spanish institutions and her global clientele.
Under the rebranded banner of Hispania Mortgages, Rocío’s firm epitomises her commitment to delivering top-tier financial services while enhancing its online presence to reach and help more investors around the world. Additionally, the legal and conveyancing services have been rebranded as Hispania Legal, ensuring continued support for clients requiring these essential services.
In her free time, Rocío loves spending time with her daughters, her two feline companions, engaging in real estate investments, and pursuing her passion for interior decoration.
