José Perales
Mortgage advisor · Real estate credit intermediary
José Perales is a mortgage advisor and real estate credit intermediary registered with the Bank of Spain under number E286. He helps buyers find, compare and negotiate their mortgage, and authors Hipotecalc's financial content.
Credential
Real estate credit intermediary registered with the Bank of Spain · no. E286. You can verify it in the
Bank of Spain's public register.
Find José on LinkedIn, Instagram and TikTok, or book a call with him.
Hipotecalc has a commercial lead-referral agreement with José Perales: we explain it in detail in about us and in our methodology.
Content signed by José
José signs Hipotecalc's editorial financial content: the guides, the blog and the regional ITP guides.
- Regional ITP guides (18 pages)
- Buying property in Spain: every tax you'll pay, explained
- Buying property in Spain: the process step by step, from offer to keys
- Costs of buying a home in Spain: what buying a house really costs
- Early mortgage repayment: fees, legal limits and how to do it
- ICO guarantee and young buyer mortgages: how to buy a home with less than 20% saved
- Mortgage subrogation: switching banks (or borrowers) without cancelling the loan
- Mortgages in Spain for non-residents: rates, LTV limits and requirements
- Non-resident property taxes in Spain: what you pay every year after buying
- Spanish mortgage calculator for expats: run your numbers the way a bank will
- The NIE number: the first document you need to buy property in Spain
- TIN vs APR (TAE): the difference that decides how much you pay for your mortgage
- Fixed, variable or mixed mortgage: how each one works and which one suits you
- No-deposit mortgages in Spain in 2026: the real routes to 100% financing (and their fine print)
- Overpaying your mortgage: when is it better to reduce the payment and when to reduce the term?
- The Euribor closes July 2026 at 2.86%: highest since September 2024
- The Euribor closes June 2026 at 2.80%: what it means for your mortgage
- The ICO mortgage guarantee in 2026: extended to December 2027, with new income limits by province
- The Iran war and the Euribor. Should you worry if you have a variable-rate mortgage?
- Who pays the AJD stamp duty on a Spanish mortgage in 2026? The bank — and this is the law that says so
Content he reviews
- The Hipotecalc calculators (mortgage, ITP, plusvalía, purchase costs, rental and how much can I borrow)