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Do you have a mortgage?
Lawyers specialising in mortgage expense claims
You have paid expenses that you are entitled to recover.
Leaders in mortgage claims in Bilbao, 100% success rate
We recover your mortgage expenses
Claiming Mortgage Expenses
Do you have a mortgage?
Lawyers specialising in mortgage expense claims
You have paid expenses that you are entitled to recover.
Leaders in mortgage claims in Bilbao, 100% success rate
We recover your mortgage expenses
Claiming Mortgage Expenses
Do you have a mortgage?
Lawyers specialising in mortgage expense claims
You have paid expenses that you are entitled to recover.
Leaders in mortgage claims in Bilbao, 100% success rate
We recover your mortgage expenses
What mortgage costs can I claim for?
When you signed your mortgage, you were charged for costs that you shouldn’t have had to pay: notary, land registry, solicitor and valuation fees.
- It doesn't matter if the mortgage has been paid off.
- Any mortgage taken out on or after 1st January 1995 can be claimed for.
- You are entitled to recover your money with interest.
- Example: For a mortgage of €180,000, you could recover up to €1,500.
- Success rate: 100%.
- The process is handled at our law firm in under 30 minutes.
We can get your mortgage expenses refunded!
It's worth it!
Frequently asked questions about mortgage expenses and claiming them back
What mortgage expenses can I claim?
The mortgage expenses that can be claimed are half of the notary fees and all of the property registration, agency and appraisal costs.
When does the deadline for claiming expire?
On 25 April 2024, the Court of Justice of the European Union established that the period for bringing an action to claim the reimbursement of mortgage expenses begins when the judgment declaring the clause null and void becomes final, which in practical terms means that the period for making the claim does not expire. For more information, please read our latest post on mortgage expenses in the news section.
Can I claim if the mortgage has been cancelled?
Yes, the fact that the loan has been cancelled is not an obstacle to making a claim, given that the action being taken is one of nullity as of right, and is not subject to a statute of limitations.
Who pays the mortgage costs?
The lending bank is responsible for the costs of the amounts claimed, as it was the bank that benefited from imposing the costs on the customer at the time.
How are mortgage costs calculated?
The calculation is based on the criteria of the Supreme Court, which are those indicated above, namely 50% for the notary and 100% for the land registry, the managing entity and the appraisal entity.
How can I claim mortgage expenses?
It is a very simple procedure in which the law firm tries to reach an agreement with the lending institution, and only if the bank refuses to pay will legal action be taken.
Am I entitled to be reimbursed for mortgage expenses with interest?
Yes, you are entitled to be paid interest from the moment you made each payment.
Why choose Muñoz de la Peña Abogados?
If you still have questions about which mortgage expenses you can recover, at Muñoz de la Peña we can answer all your questions about mortgage expenses.