Terms of use for clients

Last updated: 5 November 2026.

1. The service

OfertFinanzas lets you ask for free quotes for Mortgage to buy a home, Improve or switch your mortgage, Mortgage for non-residents, Home improvement loan, Solar panel financing, Home insurance, Car insurance, Business insurance, Request electricity and gas offers, Internet and mobile. Your confirmed request is offered to registered professionals; at most 3 can take it and write to you on the platform. You decide whether and to whom you reply. Only the professional you reply to sees your contact details.

OfertFinanzas is not a credit institution, a lender, or a mortgage or consumer credit intermediary. It only passes the need described by the client on to at most 3 lenders or intermediaries registered with the Banco de España. It does not present or offer loan agreements, does not sort or recommend offers, does not carry out pre-contract steps and does not sign agreements on anyone's behalf. Each offer is written and sent by the firm itself, which alone is responsible for its content and for providing the pre-contract information (FEIN, FiAE).

OfertFinanzas charges firms a fixed price per request (advertising), with no amount tied to a loan being signed. The client pays nothing. We do not present or offer loans, do no preliminary paperwork and sign no contracts, so we are not a credit intermediary (Ley 5/2019, art. 4.5; Ley 2/2009, art. 1.1.b). Mortgage and loan requests are only seen by firms that have given their Banco de España registration number.

Before any text from an entity is saved, sent or published (first message, messages, quotes, profile, albums, photo captions and replies to reviews), an automatic filter of fixed rules (no artificial intelligence) rejects it if, for loans or mortgages, it gives an interest rate or an instalment without the APR (TAE) (required by Ley 16/2011, art. 9, for consumer credit; for mortgages it is a rule of this site) or if it promises that the financing will certainly be approved. The entity sees the phrase and the reason and can rewrite it; if the first message is rejected, the request is not taken and nothing is charged. Texts saved earlier that do not meet these rules are not shown on the public page. The filter does not catch everything: each entity remains responsible for its content.

2. Free and without obligation

Asking for quotes is free. You do not have to hire anyone. Any contract is between you and the professional; OfertFinanzas is not a party to it and does not provide the service.

3. Your obligations

True data, no other people's data, no fake or repeated requests. We may remove requests that break these rules.

4. Order of offers

Professionals' messages are shown in the order they arrive. Nobody pays to appear first.

5. Complaints

Write to info@ofertobra.es. If the problem is with a professional's service, the professional is responsible; we will help you contact them and may remove them from the platform.

Content moderation

We remove reviews or other content that is illegal or contains insults, threats, personal data, spam or a conflict of interest. We never remove a review because it is negative.

Anyone can tell us about content with the "Report content" form on the Contact page. A person reviews every notice; we do not use automated systems to decide.

If we remove a review you wrote, or decide on a notice you sent us with your email, we write to you with the decision and its reasons. You can reply to that email to ask us to review it again, and you can also go to court.