Improve Your Home with the Best Personal Loan
9 December, 2025 | Antonio Beltrán
When improving your home shouldn’t become a headache
There are moments when your home needs a change — renovating the bathroom, updating the kitchen, or replacing old appliances.
The challenge comes when you go to your bank, and what seemed simple turns into a long process with unclear terms and not-so-attractive rates.
That’s where HipotecasPlus makes the difference.
We don’t sell you a product — we help you find the best possible loan.
Because we work with many banks in Spain, we can compare and offer you the most competitive option, based on your real financial situation.
Why choose HipotecasPlus instead of your bank?
Your bank can only offer its own products.
At HipotecasPlus, we analyse and compare offers from multiple banks to find the one that truly suits your needs.
Why expats trust HipotecasPlus:
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Fast and simple process.
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No obligation: you decide if you want to move forward.
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Professional and transparent support.
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We work with all major banks in Spain.
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And most importantly, we help you borrow responsibly.
What is responsible borrowing — and why it matters
At HipotecasPlus, we believe in responsible borrowing.
That means your total monthly loan payments (including mortgages and other loans) shouldn’t exceed 40% of your net income.
It’s a simple but crucial rule for keeping your finances healthy.
Imagine you take out a personal loan now with a monthly payment of €250–€300.
Everything seems fine — until, in a few years, you decide to buy a property.
That monthly loan payment could reduce your borrowing capacity for a mortgage.
You could face situations like:
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The bank refuses to grant you a mortgage because you exceed the 40% limit.
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You get approved, but with worse conditions (higher interest or lower amount).
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You have to settle for a cheaper home than the one you wanted.
This happens more often than people think.
Many clients come to us saying they financed a car or took a small loan a few years ago, and now that decision limits their ability to buy a home.
A real-life example
James and Laura bought a car three years ago. They financed €18,000, paying €295 per month.
Now, they’re trying to buy a property worth €240,000.
Their bank told them that this monthly payment reduces their borrowing capacity, meaning they can only get a smaller mortgage.
In the end, they had to choose a cheaper property.
All this could have been avoided with the right financial guidance before taking that loan.
How HipotecasPlus helps you
At HipotecasPlus, we guide you from start to finish:
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We study your real financial situation.
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We search for the best loan among several banks.
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We explain everything clearly and honestly.
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We help you keep your finances healthy and responsible.
Our goal is to help you make smart financial decisions today — and protect your plans for the future.
In short
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Improving your home or upgrading your appliances doesn’t need to be stressful.
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HipotecasPlus offers personalised and professional help.
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We find the best loan for you among all banks in Spain.
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And we do it responsibly and transparently.
📞 Want to know which loan fits you best?
At HipotecasPlus, we help residents in Spain find the ideal financing for home improvements or new appliances.
Compare, choose, and improve — with confidence and expert support.
➡️ Request your free, no-obligation study today.