Pre-Contractual Information
Last updated: 5 July 2026
This page provides general pre-contractual information about the mortgage brokerage and advisory services offered by Hipoteca 100 Málaga to foreign and non-resident buyers in Spain.
1. Service Provider
- Trading name: Hipoteca 100 Málaga
- Owner: Daniel González Fernández
- Tax ID (NIF): 27780215N
- Office: C. Alejandro Dumas, 17, Carretera de Cádiz, 29004 Málaga, Spain
- Email: dgonzalez@hipoteca-100.es
- Phone: +34 617 91 75 48
2. Nature of the Service
We act as a mortgage intermediary and advisor for buyers seeking finance from Spanish lenders, particularly foreign nationals and non-residents purchasing property in Spain. Our role includes reviewing your profile, helping prepare documentation, identifying suitable lenders, and assisting through the application process.
3. Scope of Information on This Website
All information on this website is general and indicative. Figures relating to loan-to-value, deposit, term, rates, timelines, eligibility, or required documentation vary by lender and individual case. No content on this website constitutes a binding offer of credit.
4. Personalised Study and Formal Offers
A free initial study may be offered to assess your case and determine whether financing appears feasible. Any formal mortgage terms are subject to lender underwriting, property valuation, and the documentation accepted by the selected bank.
5. Fees and Costs
Before you commit to any paid service, if applicable, we will explain the basis of remuneration, the scope of the service provided, and any relevant third-party costs that may arise during the mortgage process, such as valuation, legal, notary, registry, or tax costs.
6. Risks and Limitations
Mortgage approval is never guaranteed. Decisions depend on the lender's policy, your income profile, credit standing, residency status, the property, and the bank's valuation. A bank may request further documents, revise terms, or decline an application even after an initial feasibility review.
7. Consumer Questions Before Contracting
If you would like clarification about our service, your obligations, or the expected steps before engaging us, contact us at dgonzalez@hipoteca-100.es or +34 617 91 75 48 before proceeding.