Mortgage-backed loan: we help arrange the grouping of your loans, cards and credits into a single payment. The monthly amount goes down because the term gets longer, so it may mean more interest overall, and your home is used as security.
Official registerUNICTECA, S.L. (Primeteka), registered Real Estate Credit Intermediary no. E293
ProfilesWe review cases listed on ASNEF, Spain’s credit default register, subject to assessment and approval by the lender
Calculate your equity release
Enter your property value and the details of your operation to see an indicative estimate of your offer and its viability. It is a simulation; the final proposal is confirmed by our team.
| Term | Monthly payment |
|---|---|
| 10 years | — |
| 15 years | — |
| 20 years | — |
Indicative simulation, not binding · We will call you within 24 hours
A car loan, cards, store credit and a personal loan, each with its own rate and due date: the total monthly payments can exceed what you comfortably earn. If you own your home, grouping it all into one lower payment can be studied, even with ASNEF or if the bank has already said no.
Consolidating is not always the right move. If your debts carry high interest and several payments are choking you, grouping them usually lowers the monthly cost.
The sum of your monthly payments eats up too large a share of your income and you barely make it to the end of the month.
You have cards, car or appliance financing and personal credits, each with its own interest rate and due date.
You pay high rates on revolving cards or micro-loans, and mortgage-backed collateral allows a much lower interest rate.
You are listed in ASNEF, you are self-employed or you have no fixed salary. With mortgage-backed collateral it can be assessed.
We quickly see whether it is worth it for you: how much you lower the payment, over what term and at what total cost. No promises before we review your numbers.
We list all your loans, cards and credits with their balance, interest rate and payment, to see the real total you pay today.
We check your home value, its location, condition and current charges to work out how much can be financed.
We calculate the single payment, the term and the total cost, and compare it with what you pay now so you can decide with the numbers in front of you.
If it works out for you, we handle the proposal, the appraisal, the final paperwork and the signing before a notary.
The final figures depend on the appraisal, your current debts, the registry status and risk approval. They are not an offer.
To group loans, cards, credits and financing plans into a single payment.
The home you own or another property that provides collateral.
Based on the appraisal, debts to be cleared and the financeable percentage of the property.
Residents and non-residents, self-employed, without a fixed salary or listed in ASNEF, with verifiable documentation.
Service subject to review, valuation, risk approval and legal check of the operation.
Gather these documents and we will speed up the review of your consolidation.
Free assessment
With the details of your current debts, your income and your home value, we can give you a first realistic estimate of how much your payment would drop.
Phone: +34 677 51 91 76
Email: info@primeteka.com
Frequently asked questions
It means grouping several loans, cards and credits into a single loan with one monthly payment, usually lower because the term is extended. With mortgage-backed collateral you can obtain large amounts and lower rates.
Yes, it can be assessed. By putting up your home as collateral, many operations go through even if you are listed in ASNEF or the bank has turned you down. Each case is reviewed individually.
It depends on your debts, their interest rates and the term you choose. By grouping everything into one payment over a long term, the monthly amount usually drops noticeably. In the review we give you the exact figure before you sign.
By extending the term you pay the debt over a longer time, so the total interest cost may be higher even though the payment drops. That is why we always show you the total cost before you decide. No obligation.
No obligation. We calculate your new payment and tell you whether consolidating is worth it for you.
Free pre-assessment
Leave us your details and an adviser will review your case and get back to you with a tailored proposal, no strings attached.
Prefer to talk now? Call us at +34 677 51 91 76.
