AI-powered mortgage assistant for Spain

Hipo is an AI assistant that answers your questions about Spanish mortgages straight away. It analyses your question, gives you a short answer and links the page on our portal where you'll find the full information.

Yes, Hipo is completely free. No signup or account required. Just write your question and get an instant response with links to our guides, tools and comparators.

You can ask about anything related to Spanish mortgages: types (fixed, variable, mixed), non-resident requirements, costs of buying, ITP/AJD taxes, Euríbor, FEIN, NIE, banks for foreigners, country-specific issues (UK post-Brexit, US FATCA, etc.), apostille, and much more.

No. Hipo is an orientation tool that helps you find information on our portal, and it can make mistakes. For your specific case, use the free assessment: with your own numbers it tells you on the spot whether your mortgage is viable, your monthly payment and which banks fit, and if you want, we negotiate for you.

Hipo uses a language model that is not trained on our data: with every question we pass it the portal's current data (the rates published by 40 banks, the Euríbor, the ITP and purchase-cost ranges, the ICO guarantee) and the map of our pages, including 34 English guides and 13 country pages, so it answers with them and links the right page. It can still make mistakes: always check the figure on the page it links.

You can ask up to 20 questions per hour and 50 per day. The limit resets automatically: if you reach it, wait a while and ask again.

Hipo can tell you the rates published by the 40 banks in our comparator and which banks say on their websites that they lend to non-residents (CaixaBank (HolaBank), Bankinter, Banca March, UCI, Banco Santander and Banco Sabadell). It does not choose a bank for you: the free assessment shows on the spot which banks' published conditions fit your case, and if you want, our team negotiates with them for you.

Yes. We store each question with its answer and the IP address it was sent from, to apply the usage limit and review the quality of the answers. Don't write personal data in the chat that you don't want to share.