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When using the services of a mortgage broker, you are not only taking advantage of their experience, knowledge and qualifications, but also benefiting from their direct access to great mortgage deals.
Having serviced many clients, at Hipoteken we have the experience on how to sort out any issues that come along the way, and which banks to go to in order to obtain the best possible deal for you.
Also, the broker will act as your one-stop shop to access different mortgage products from different banks, therefore maximising the chances of getting a mortgage, speeding up the process, and ensuring you get the best deal possible.
At Hipoteken, we can have access to deals that a regular street bank branch could not afford, so that is another great reason to choose us to take care of your mortgage needs.
Our relationships with specialised bank and mortgage specialists within the industry always works to our clients’ advantage.
You do not need an NIE number (Número de Identidad de Extranjero – Spanish for Foreigners Identification Number) to apply for a mortgage in Spain. We can kick start the process of your mortgage application with the details in your passport. However, your NIE will be needed when approaching the completion of the purchase of your property, so It is convenient to start the process of obtaining a NIE number early on.
If you need advise on the process to obtain a NIE, do not hessitate to contact us and we can advise you on the best way to obtain it.
Property valuation reports are done by registered valuation companies. These are regulated by the Bank of Spain, who specify very clearly what they must contain and what makes a valuation valid for a bank to accept.
Depending on which bank you finally decide to go with, the process to obtain the valuation changes. Some banks will require that they order the valuation directly with certain companies. Other banks will accept any valuation company registered with the Bank of Spain.
As part of our service to you, we will coordinate the process to obtain the valuation needed to complete your mortgage.
Ask us! We will get back to you as soon as possible
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.
