Bank-ready Spanish mortgage files for international buyers.
Hipotek gives brokers one place to onboard foreign clients, collect and check their documents in their own language, pre-underwrite against Spanish lender criteria, and send each bank a clean, indexed file.
AI reads the paperwork.
Your brokers make the call.
What Hipotek does
Tap a module to jump straight to it.
From first contact to bank submission — without chasing paper.
Built around how non-resident cases really run: pre-underwrite first, then approach the lender whose appetite fits the case.
Invite your client
Add the client and they receive a secure, personal link to their own portal — in English, Dutch, German, Spanish or French.A secure link, in their own language.
They upload, we check
Each document is checked for edits and staleness, read by AI with the source evidence, and filed into the 00–13 master structure.Checked, read and filed automatically.
You underwrite
Verify every value, reconcile declarations against evidence, and see LTV, stressed affordability, cash to complete and a clear GREEN / AMBER / STOP.Verified numbers. GREEN, AMBER or STOP.
Submit to the right bank
Match lender appetite, generate the credit memo and an indexed, lender-specific pack. Track progress to the notary.The right lender, an indexed pack, tracked to the notary.
Catch the problems before the bank does.
Payslips from Rotterdam, tax returns from Munich, arras contracts from Marbella — read in their original language, checked, and explained.
What Hipotek checks
- Tamper signals — incremental saves, editing software, inconsistent timelines, duplicates.
- Validity rules — stale payslips and statements, ID expiring before completion, wrong person on a document.
- Evidence on every number — each extracted value shows the exact source text, verified by a human.
- Reconciliation — undeclared loans on credit reports or bank statements are found and counted.
Know what passes — and what would make it pass.
Spanish non-resident criteria are built in and fully configurable per brokerage: LTV by tax residence and use, stressed DSTI, age and term, regional taxes, FX haircuts.
What you get
- Traffic light with reasons, every rule traceable to your own credit policy.
- Restructuring Advisor — five quantified options (settle debts, loan amount, term, evidenced income) recalculated against lender rules.
- Lender match — residence, currency, self-employed, gifted deposits, off-plan, translation rules.
- Credit memo & bank pack — generated from verified numbers only, never submitted while issues are unresolved.
Your brand. Their language. One clear checklist.
Clients see only what they need: what to upload, why the bank needs it, how to get it from their own bank or tax office — and friendly feedback the moment a document needs replacing.
Personal checklist
Built from their situation: employed, self-employed, retired, joint, gifted deposit.
Phone-friendly
Upload PDFs or photograph documents straight from the phone.
Online signature
Fact-find declaration and GDPR / credit-check consents signed with full evidence.
Messages & progress
Conversation with the broker and a timeline from documents to notary.
Identity and financial documents deserve better than email attachments.
Hosted in Germany
Hetzner data centres in the EU, encrypted disks and nightly encrypted off-site backups.
Encrypted documents
Every file is encrypted with AES-256 before it is stored. Links expire; logins can use one-time codes.
Your firm, isolated
Each brokerage has its own portal, users, policy and data. Platform administrator accounts have no access to client files.
GDPR-ready
You remain the controller; we act as processor under a data processing agreement. Full export at any time.
Complete audit trail
Every upload, edit, verification, override and download is recorded with who and when.
Ley 5/2019 workflow
Disclosures, consents, faithful borrower information and FEIN / notary milestones built into the process.
A portal for every size of brokerage.
Every plan includes the client portal, document checks and broker underwriting. You pay a monthly base fee that includes a number of completed files; extra files are billed per file.
Hiring a new junior staff member to handle document reviews and follow-ups costs roughly €3,000–€4,000 per month, fully loaded. Hipotek automates document intake, cross-border checks and bank-pack generation for €899 per month. If it saves 20 hours per broker and rescues even one extra €300k mortgage deal a year, the ROI is instant.
Starter
- 5 completed files per month included
- €89 per extra file
- Up to 2 users
Professional
- 20 completed files per month included
- €45 per extra file
- Unlimited users
- White-labeling
- Restructuring Advisor
Enterprise
- Custom volume packages
- Custom quote for extra files
- Dedicated cloud deployments
Questions brokers ask us.
Does Hipotek decide whether a client gets a mortgage?
No. Hipotek helps you, the broker, assess and present a case. Lenders make their own solvency assessment and issue the binding offer (FEIN). Hipotek never submits anything without your review.
Who owns the client data?
Your brokerage. You are the data controller; Hipotek processes the data on your instructions under a data processing agreement, and you can export everything — documents, data and audit trail — at any time.
Where is data stored and how is AI used?
Application data and documents are stored encrypted on servers in Germany. Documents are sent to an AI model only to read them, under the provider's business terms and data processing agreement; every extracted value is verified by a person before it is used.
Can we use our own lender criteria?
Yes. Every threshold — LTV, DSTI, age and term, income haircuts, document validity, lender appetite — is configurable per brokerage.
Which clients is it for?
Foreign and non-resident buyers financing property in Spain with a Spanish mortgage — employed, self-employed, directors or retired, single or joint.
Log in
Client portal
For buyers invited by their broker. Log in with your password or a one-time email code.
Open client loginSpend your time advising, not chasing payslips.
See Hipotek with a real non-resident case in a 30-minute demo.
Book a demo