Hipo — AI Assistant

Instant answers about Spanish mortgages

AI-powered mortgage assistant for Spain

Ask anything about Spanish mortgages and we guide you to the exact information you need. Free, no signup, instant response — in English.

Updated Jul 2026

Alejandra RuizMortgage Analyst

Updated Jul 2026

Alejandra Ruiz

Try the assistant How it works Topics Data FAQ

Excellenton Trustpilot|Independent comparator|Free assessment|Reply within 24h|Bank of Spain reg. nº E569

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Respuesta rápida

What is Hipo, the AI assistant from hipotecas.me?

Hipo is the AI mortgage assistant of hipotecas.me, trained on the live Spanish mortgage market: fixed, variable and mixed rates from 53 banks, official ECB Euríbor, ITP rates by autonomous region, and 34 English guides for non-resident buyers (plus 13 country-specific guides for UK, US, DE, IE, NL, FR, BE, CH, SE, NO, CA, AU, PL). You can ask about non-resident mortgages, taxes, FEIN, NIE, FATCA, post-Brexit specifics, or any other Spanish mortgage topic — Hipo answers with context and direct links to deeper guides. Free, no signup.

Trained on data from 53 banks + ECB Euríbor + ITP by autonomous region.
Answers in English about non-resident rules, taxes, FATCA, post-Brexit, FEIN, NIE.
Recommends 13 country-specific guides and 34 English guides on demand.
Free, no signup, no commitment.

Source: hipotecas.me (July 2026). Bank of Spain registered intermediary E569.

Ask Hipo — he's friendly

Type your question or pick a suggestion

Hipo

AI mortgage assistant

Pick a question or type your own

Hipo is an orientation tool. For personalised advice, request a free assessment.

⚡ How it works3 steps

From question to answer in seconds.

1

Write your question

Ask anything about Spanish mortgages in plain English. Or pick a suggested question.

2

Hipo analyses your query

The AI assistant interprets your question and searches across 1,200+ portal pages for the most relevant information.

3

Answer + direct link

You get a concise response plus a direct link to the exact guide, tool or comparator that fits your case.

🎯 What can you ask about?

Hipo knows the entire portal. Ask about any of these topics.

🏠

Mortgage types in Spain

Fixed, variable, mixed, non-resident

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Calculations & simulations

Monthly payment, max loan, full costs

🌍

By nationality

UK, US, German, Irish, Dutch, French, Belgian, Swiss, Swedish, Norwegian, Canadian, Australian

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Banks for foreigners

53 banks analysed with real conditions for non-residents

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Euríbor & market data

Current rate, trend, how it affects your payment

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Process & paperwork

NIE, FEIN, ITP, AJD, apostille, sworn translation

🛡️ Backed by real data

Hipo doesn't make things up. It consults our content, verified by experts.

1,200+Content pages

53Banks analysed

34Guides in English

E569Bank of Spain registration

❓ Frequently asked questions

What is Hipo, the AI assistant from hipotecas.me?

Hipo is an intelligent assistant that answers your questions about Spanish mortgages in real time. It analyses your question and points you to the exact page on our portal where you'll find the most complete and up-to-date information.

Is the AI assistant free?

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.

What topics can I ask the assistant about?

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.

Will Hipo's answers replace professional advice?

No. Hipo is an orientation tool that helps you find relevant information on our portal. For personalised advice on your specific situation, we recommend requesting a free assessment with our English-speaking mortgage advisors.

How does the technology behind the assistant work?

We use advanced AI trained on the complete knowledge of our portal: 1,200+ pages on Spanish mortgages, 150+ specialised guides (30+ in English), tools and live market data from 50+ banks.

How many questions can I ask?

You can ask up to 15 questions per hour. The limit resets automatically. If you need more queries, wait a few minutes and ask again.

Can Hipo recommend a specific Spanish bank for my profile?

Yes. Hipo knows the conditions of 54 Spanish banks including those with non-resident desks (Sabadell Solbank, CaixaBank HolaBank, Banco Santander, BBVA, Bankinter, Deutsche Bank Spain). It can suggest which bank tends to fit your profile, but a personalised assessment is recommended before applying.

Need personalised advice?

Hipo gives you the information. Our team of mortgage advisors analyses your profile and recommends the best option for your specific situation.

Request free assessment Keep asking Hipo

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