Best online mortgage expense claim services in Spain

Discover top-rated digital platforms and legal firms specializing in the recovery of mortgage formalization expenses across Spain. Thousands of homeowners in Spain have overpaid on mortgage expenses such as notary, registry, appraisal, and gestoría fees. This guide evaluates online services that help consumers claim these expenses, including floor clauses and other unfair mortgage terms. Find expert assistance to claim your mortgage expenses refund in Spain. If you've had a mortgage in the last 20 years, you could be eligible to claim.

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  1. 1

    reclamador.es

    255 Global Votes
    • Helps reclaim mortgage expenses

      (+4)

    This platform is a leading online claims service in Spain, known for its specialization in mortgage expenses and a 'no win, no fee' model. Its strong track record and comprehensive online service make it a top choice for consumers seeking to reclaim mortgage expenses without upfront costs.

  2. 2

    Arriaga Asociados

    67 Global Votes
    • Specializes in banking and financial law

      (+4)

    This well-known law firm actively promotes its services for 2026, specializing in banking law and mortgage expense claims. Their emphasis on recent Supreme Court rulings and a free viability study makes them a relevant and trusted option for complex claims like IRPH.

  3. 3

    OCU (Organización de Consumidores y Usuarios)

    63 Global Votes
    • Provides personalized advice

      (+4)

    As a trusted consumer organization, OCU actively runs campaigns to help consumers reclaim abusive mortgage expenses. They provide a platform for collective action and clear guidance, offering a reliable and supportive avenue for claims.

  4. 4

    Safe Abogados

    18 Global Votes
    • Helps claim mortgage formalization expenses

      (+4)

    Safe Abogados specializes in mortgage expense and 'cláusula suelo' claims, emphasizing their experience and personalized approach. Their updated website and focus on abusive clauses align with current consumer needs for expert legal assistance.

  5. 5

    DONREcuperador

    11 Global Votes
    • Can reclaim mortgage expenses paid to the bank

      (+4)

    DONREcuperador offers online reclamation services for various abusive mortgage clauses, including IRPH, with a clear 'no win, no fee' policy. Their focus on defending consumer rights and comprehensive service makes them a strong contender in the online claims market.

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  7. 6

    Advocats Ferrer

    5 Global Votes
    • Specializes in banking claims

      (+4)

    Advocats Ferrer are specialists in mortgage expense claims, offering a free review of mortgage deeds and an online initiation process. Their online-first approach and nationwide coverage make them a convenient and accessible option for clients across Spain.

  8. 7

    Montero de Cisneros Lawyers

    3 Global Votes
    • Can help homeowners claim back mortgage expenses

      (+4)

    This firm specializes in banking law and provides a free, no-obligation analysis for mortgage expense claims, emphasizing their viability in 2026. Their updated information and clear explanation of reclaimable expenses make them a reliable choice for current claims.

  9. 8

    Pellicer & Heredia International Lawyers (Alicante, Alicante)

    3 Global Votes
    • English speaking lawyers available

      (+4)

    Pellicer & Heredia offers specialized mortgage lawyers for expats and non-residents in Spain, providing comprehensive mortgage reviews to detect abusive clauses. Their focus on international clients and full claim management makes them a valuable service for foreign homeowners.

  10. 9

    M1 Law

    2 Global Votes
    • Allows claiming back mortgage expenses

      (+4)

    M1 Law clearly outlines reclaimable expenses and the eligibility criteria for mortgage expense claims, including legal interest. Their focus on the 2019 EU Court of Justice ruling makes them a current and relevant service for those who took out a Spanish mortgage in the last 20 years.

  11. 10

    Molina Solicitors

    2 Global Votes
    • Can check documents and advise on claim costs

      (+4)

    Molina Solicitors assists with claiming setup costs for mortgage expenses, clarifying the non-existence of a time limit to declare a clause null. Their strategy to combine claims for nullity and refund makes them a practical choice for navigating complex legal deadlines.

  12. 11

    ReclamaGratis

    1 Global Votes
    • Free service throughout Spain

      (+4)

    This service offers 100% online solutions for 'cláusula suelo' and other abusive mortgage clauses, boasting a high success rate and a 'no win, no fee' model. Its commitment to a fully online process and free consultation makes it highly accessible and attractive.

  13. 12

    asesority

    0 Global Votes
    • Allows claiming mortgage-related fees

      (+4)

    asesority provides 100% online legal services for mortgage expense claims, assigning a dedicated lawyer to each case. Their no upfront cost model and focus on transparency make them a reliable and personalized choice for consumers.

  14. 13

    Defferary

    0 Global Votes
    • Allows claiming notary fees

      (+4)

    Defferary specializes in reclaiming various mortgage clauses, including less common ones like REDAL and Crecientes, offering free initial reviews by mathematical-financial experts. Their in-depth analysis and focus on nullity of abusive clauses provide a specialized and thorough approach.