MORTGAGE EXPENSES

Recover what you overpaid.

If you signed a mortgage (and any novations, if applicable), you may be able to claim a refund of the set-up costs:

  • Notary fees: 50 %
  • Valuation (appraisal) fee: 100%
  • Land Registry fees: 100%
  • Administrative fees: 100%

To recover them, it is necessary for a judge to declare the clause that imposed those payments on you null and void. The average amount recovered is around €1,900 (each case varies depending on the loan amount and the documents available).

Our commitment: We only charge if you recover your money.

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WHO CAN MAKE A CLAIM?

01.

Anyone who has signed a loan secured by a mortgage. 

02.

It doesn’t matter whether it’s still active or has already been repaid/cancelled.

03.

It doesn’t matter if you’re no longer the owner of the property.

You’re still in time, even if your mortgage is old.

HOW MUCH MONEY CAN I RECOVER?

It depends on the loan amount, the invoices you still have, and how your case is handled.

As a reference, for typical loans the average refund is around €1,900, plus interest. 

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HOW DO WE HANDLE IT AT PEREZ DOMINGO?

01.

We carry out a free review of your deed and invoices (notary, land registry, administrative, and valuation).

02.

Out-of-court claim to the bank’s Customer Service Department.

03.

If the bank does not respond or offers less than it should, we file an individual claim before the competent court.

04.

Ongoing follow-up and legal representation through to resolution, also claiming interest.

HOW MUCH DOES THE CLAIM COST YOU?

  • Assessment and out-of-court claim: €0
  • Court proceedings: you don’t pay any fees upfront.
  • If the judgment awards costs, the bank pays the lawyer, court representative (procurador), and legal costs of the proceedings.

And if you don’t recover your money, you don’t pay any fees.

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WHAT ARE MY CHANCES OF SUCCESS?

01.

Very high when the clause is abusive and there are documents proving the payments.

02.

Courts have been upholding these claims and ordering the amounts to be repaid with interest.

WHY CHOOSE PEREZ DOMINGO?

  • Proven experience in banking law and litigation over mortgage expenses.
  • A tailored out-of-court claim, with the correct amounts and solid documentation.
  • Professional judgment when the bank makes a low offer: we tell you when to accept and when it’s better to sue.
  • Fees aligned with your outcome: we only win if you recover.
  • Proven experience in banking law and litigation over mortgage expenses.
  • A tailored out-of-court claim, with the correct amounts and solid documentation.
  • Professional judgment when the bank makes a low offer: we tell you when to accept and when it’s better to sue.
  • Fees aligned with your outcome: we only win if you recover.

SHALL WE GET STARTED?

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Comprehensive advice

Legal Area

Bank Claims

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¿Pagaste gastos al firmar tu hipoteca con el banco?

Aún estás a tiempo de recuperar lo que es tuyo.

Si abonaste los gastos de notaría, registro, gestoría o tasación, aunque hayan pasado ya muchos años, estás en el lugar adecuado.

Y LO MÁS IMPORTANTE: 

Solo cobramos si tu recuperas tu dinero. 

Facilítanos tus datos y nos pondremos en contacto contigo:

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