Looking for the 2026 master guide? Start here: Spanish Mortgage Claims (2026) — abusive clauses, typical refunds, and how to recover money from Spanish banks.
Get a free written analysis of your case
Email your questions to marialuisa@costaluzlawyers.es and our team gives you a free, personalised written analysis — you can attach any documents or forms. Once everything is clear in writing, we offer an optional free introductory call. The initial written analysis carries no fee (international tax consultancy starts from €200 + VAT).
Email your case → marialuisa@costaluzlawyers.es · WhatsApp · Book the optional intro call
Not sure which route fits? If the issue is in the deed (IRPH, floor clause, unfair fees), start with Spanish Mortgage Claims (2026) and we’ll confirm viability after a deed review.
Key takeaway: Most Spanish mortgage issues fall into two buckets—repayment/negotiation (cashflow) or deed-driven claims (IRPH, floor clause, fees). Picking the right route early saves time.
Start here (pick your situation):
- I think my deed has abusive clauses (IRPH, floor clause, fees): Spanish Mortgage Claims (2026)
Fastest review: send the mortgage deed (“escritura”) and any fee invoices you still have. - I can’t keep up with repayments: Mortgage repayment help
- I’m in negative equity: Negative equity property debt
- I’m changing terms with my bank (novation): Understanding mortgage novation
Also useful:
- Claiming your mortgage expenses in Spain (July 2025)
- List of all abusive clauses that a mortgage may contain (updated)
- Claiming your IRPH clause in Spanish mortgages
- UK owners: reclaim mortgage expenses in Spain
- IRPH legal update: CJEU ruling and refunds (key points)
Spanish mortgages have been and are still very much under revision by the National and European Courts. The way mortgages were marketed and obtained during the financial boom has resulted in numerous claims against banks for miss-selling and for lack of transparency when providing information to the buyer.
If you were persuaded to buy a property during the real estate boom and have ended up with mortgage payments that are much higher than expected, help is at hand.
If you’re not sure which route applies, start with Spanish Mortgage Claims (2026) and we’ll tell you clearly what is viable after a deed review.
Contact us if you think you might be eligible for one or more of these services:
- Negative equity: Negative equity property debt
- Floor clause: Floor clauses — full retroactivity update
- IRPH: IRPH Spain (2026) — how to check your deed
- Opening / arrangement fees: Opening commission case (what it means)
- Mortgage expenses: Claiming mortgage expenses in Spain (July 2025)
We can help you. We have already helped hundreds of people just like you, who have been suffering the adversities of the financial crisis and the resulting boom-and-bust situation.
Spanish law can be on your side. We are a law firm that has a proven track record of punishing banks. It’s what we do best. Our results speak for themselves.
Legal Notice: The content on this page is provided for general informational and educational purposes only. It does not constitute legal advice and should not be relied upon as such. No action should be taken based solely on this content without first seeking independent professional legal counsel. Each case requires individual assessment based on its specific circumstances. CostaLuz Lawyers accepts no liability for actions taken or not taken based on this content.
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Related guide: our guide to mortgages in Spain for non-residents.
Reviewed by María Luisa de Castro, CEO at CostaLuz Lawyers — Updated 2026
This is general information, not definitive legal advice — every case requires individual analysis.
This content has been prepared with the assistance of artificial intelligence and reviewed by María Luisa de Castro, a lawyer specialising in Real Estate Law and founder of CostaLuz Lawyers.
The information provided is general and indicative in nature. It should not be used as the sole basis for making professional, legal or investment decisions, and CostaLuz Lawyers assumes no responsibility for decisions taken solely on the basis of this content.
We always recommend personalised review by a qualified professional. For most of our services, initial personalised guidance is free of charge. Get in touch.