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Request offers

Finance, insurance and utility enquiries

Improve or switch your mortgage

Moving your existing mortgage to another lender or improving its terms.

  • Free and no obligation for you
  • At most 3 professionals receive your request
  • Only the company you reply to sees your phone
  • All of Spain, in 7 languages

OfertFinanzas is not a bank or a credit intermediary and does not compare or recommend loans: we pass your need on to at most 3 lenders or intermediaries registered with the Banco de España, who send you their own offer. The pre-contract information (FEIN, FiAE) is given to you by the lender.

Request offers for free

1 minute. Up to 3 companies in the sector.

Do not write income, debts, ID numbers, bank details or health data in the description. Each firm will ask you directly for what it needs.

Are you willing to move your mortgage to another lender? (optional)

Optional. Helps us find professionals nearby.

When do you need it?

Where are you now?

We send you a link to confirm and read the replies. No password.

Free for you. No obligation. You can delete your data at any time.

How it works

  1. Tell us what you need
    A short form: the service, the area and a few specific questions. No sign-up.
  2. Confirm your email
    We send you a link. Only confirmed requests reach professionals.
  3. Up to 3 professionals write to you
    They write to you on OfertFinanzas with questions or their own offer. You decide whom to answer; only that company sees your phone.

OfertFinanzas does not provide the service: it connects clients with registered professionals. It is free for you.

We do not publish rates, premiums or the number of companies: each company sends you its own offer.

Before you request offers

  • Early repayment. You can repay your mortgage early, in full or in part, at any time; the agreed notice cannot exceed one month (Act 5/2019, art. 23).
  • Ask for the figures. When you ask, your lender must give you within three working days the information to assess that option, with the amounts (art. 23.2).
  • New offer, new FEIN. The new lender gives you the FEIN and FiAE at least ten calendar days before signing (art. 14).
  • OfertFinanzas does not recommend products. It only passes your request to companies registered on OfertFinanzas; each sends you its own offer and you compare and decide.

Official sources (checked 5 Nov 2026). General information, not advice: OfertFinanzas does not provide the service.

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Frequently asked questions

How much does it cost the client?

Nothing. Requesting offers on OfertFinanzas is free and without obligation. Companies pay for the requests they take.

Who receives my request?

At most 3 registered professionals for that service in your province, and only after you confirm your email.

Will I get endless calls?

No. Professionals write to you on the platform. Only the company you reply to sees your phone and email.

Does OfertFinanzas do the job?

No. OfertFinanzas is an intermediary service: it does not provide the service and is not a party to the contract between you and the professional.

Can I delete my data?

Yes, from the link of your request or by writing to info@ofertobra.es.

Why are there no loan terms or prices on the site?

Because OfertFinanzas is not a bank or a credit intermediary: we do not publish, sort or recommend offers. Each firm looks at your case and sends you its own offer in the conversation; the terms are the ones it gives you.

Who gives me the FEIN and the other pre-contract information?

The lender or intermediary you decide to go ahead with. The FEIN (European Standardised Information Sheet) and the FiAE (Standardised Warnings Sheet) are prepared and given to you by the firm, not by OfertFinanzas.

Can I apply if I do not live in Spain?

Yes, you can send your request in any of the 7 languages. Each firm decides whether it lends to non-residents, in which cases and with which documents; OfertFinanzas does not decide or influence that answer.

Do I have to send payslips or documents here?

No. OfertFinanzas does not collect documents or assess your creditworthiness. If you go ahead with a firm, it will ask you for its documents directly.