Methodology and editorial policy

Hipotecalc is an informational tool. Its usefulness depends on you being able to trust the numbers, so this page explains where every figure comes from, how often it is reviewed, and what we do when something changes or we get it wrong.

1. Who produces and who signs the content

The tools and data are built and maintained by the Hipotecalc team — two people: a developer and a finance expert with a long fintech career. The editorial financial content (guides, blog and regional ITP guides) is authored by José Perales, mortgage advisor and real estate credit intermediary registered with the Bank of Spain under number E286. Every page shows, under its title, who signs it and when it was last updated.

2. The mortgage comparison

The comparison currently covers 60 offers from 20 lenders and brands. Current data comes from official lender websites and their pre-contractual documents or calculators. We only include products with verifiable TIN and APR. Each offer’s details show the periods, discounts, fees and requirements we could check. We retain sources in our editorial records so each figure can be checked again.

• Review frequency: the comparison is reviewed at least once a month, alongside the publication of the monthly Euribor average, and whenever we detect a relevant change at an institution. The date of the latest extraction is shown in the table header (currently: 24 September 2026).
• Rate evolution: arrows are shown only when the previous and current values share the same product, term, discounts and source. A different example or source does not establish a rate increase or decrease. This review replaces earlier estimates with official sources and does not present those replacements as trends.
• What we don't do: no bank pays to appear, for its position or for its figures. We include institutions based on their relevance in the Spanish market and the availability of verifiable prices, whether or not they have any commercial relationship with us.
• Limits of the data: published rates are each bank's commercial starting point; your personalised offer (FEIN) may differ based on your profile. We show discounted and standard rates when both have been verified. Compare APRs for equivalent amounts, terms and products. Variable APR is not a forecast of future costs, and the Euribor shown in the header does not replace the lender’s assumptions.

3. The Euribor

The 12-month Euribor values come from the official European Central Bank series, which an automated process downloads and publishes on the site every month, when the ECB releases the monthly average (latest: 3.247%, Sep 2026). The index is administered by EMMI, its original source, and can be cross-checked at the Bank of Spain.

4. The ITP and tax guides

The regional ITP guides are written from the consolidated legal texts in the BOE, the regional and foral gazettes and the Spanish Ministry of Finance's annual "Tributación Autonómica" inventory. Each guide cites the exact legislation behind every rate and relief, links to the official sources and shows its verification date. They are reviewed whenever the legislation changes and at least once per tax year.

5. The calculators

All calculators use the standard French amortization formula — the one Spanish banks apply — and calculations run in your browser: the data you enter is never sent to any server. Results are indicative estimates; the assumptions and limits are detailed in the financial disclaimer.

6. Corrections

If you spot a wrong or outdated figure — a rate a bank no longer offers, a regional relief that has changed — write to us through the site's contact channels. We verify against the official source within a reasonable time and, where appropriate, correct it, record the change and update the review date shown under the title of the affected page.

7. Editorial independence

Hipotecalc has a commercial lead-referral agreement with José Perales, the mortgage advisor behind the site's contact buttons: if you end up working with him, Hipotecalc may receive compensation for the introduction. We also explain this in about us. That agreement plays no part in the data: the comparison, the guides and the calculators are produced under the criteria on this page, and no financial institution reviews or approves our content before publication.