HipotecaTransparente

HipotecaTransparente is a Spanish-language website offering a free, independent mortgage simulator for users in Spain. The tool allows users to input details such as property price, down payment, property condition, autonomous community, loan term, and nominal interest rate to calculate an estimated monthly mortgage payment. It also provides a summary breakdown of the financed capital, total interest, total purchase cost, recommended net salary, taxes, and notary fees.

The simulator uses the French amortization system and emphasizes that calculations are private, require no registration, and use official data from the Bank of Spain and BOE. Users can determine the applicable taxes by selecting their autonomous community, ranging from Andalucía to Ceuta and Melilla, with specific rates for new versus second-hand properties.

Users can compare up to three mortgage offers with their associated insurance and linked products to discover which one is truly the cheapest. The platform also includes tools to calculate how much a bank would lend based on a user's salary.

The website offers guides covering four stages, from buying a home to canceling it, with explanations updated to 2026. These guides explain concepts like choosing a mortgage, selecting aid for young people, and managing an existing mortgage.

The site tracks the Euríbor index, providing historical data, forecasts, and information on how changes affect a user's monthly payment during the next review period.

The platform includes a calculator to determine whether reducing the term or paying extra capital is more beneficial, as well as a tool for switching banks or changing from variable to fixed rates.

The simulator allows users to input the property condition, distinguishing between new properties that pay IVA and AJD, and second-hand properties that pay ITP. It also factors in the autonomous community to apply the general tax rate for that region.

The platform states that it does not offer personalized financial advice, does not study specific cases, and does not recommend a particular bank. It aims to provide clear figures to help users reach a conversation with their bank or financial advisor.

The platform specifies that for commercial collaborations, users should describe their proposal briefly in the first message sent to the contact email.

The site notes that it attempts to respond to all inquiries within a timeframe of 24 to 48 working hours.

The platform explicitly states that it does not manage mortgage applications or study concrete cases for specific users, focusing instead on providing the tool and guides.

The website reserves all rights as of 2026 and operates under the domain hipotecatransparente.com, providing a free tool without requiring user registration.

The official website of HipotecaTransparente is hipotecatransparente.com.

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