Trioteca
Trioteca is a Barcelona-based digital mortgage broker connecting Spanish consumers with 16-17 partner banks via an AI-powered platform offering mortgage comparison, application management, refinancing, and appraisal services, free for end users and monetized through bank success commissions.
- Company typePrivate
- Founded2018
- HeadquartersBarcelona, Spain
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Trioteca does
Trioteca (legally Fresh Living Group, S.L.) is a Barcelona-based digital mortgage broker operating exclusively in the Spanish market, founded in 2018 by Ricard Garriga and three co-founders. The company operates a self-serve platform that lets consumers simulate, compare, and apply for mortgages across 16-17 partner banks, supported by assigned personal mortgage advisors and real-time bank integrations that surface personalized offers. Trioteca targets two primary customer segments: new mortgage seekers (first-time and prospective homebuyers) and existing mortgage holders seeking to improve conditions through variable-to-fixed conversions or subrogation, with average monthly savings of €308 cited for improvers in July 2025.
The platform is built around an AI-powered stack that includes a proprietary viability assessment algorithm that scores user profiles against bank criteria, an intelligent mortgage assistant launched in 2023 (claimed first in Europe), and AI voice assistants for inbound call qualification and appointment scheduling. Core products span the Mortgage Simulator, Mortgage Calculator, Mortgage Improvement service, Hipoteca Exprés (for buyers with signed arras contracts), and an Online Appraisal orchestration service that connects customers to seven Bank of Spain-certified appraisal firms. The Centro de Estudios research arm publishes periodic Spanish mortgage market reports derived from Trioteca's transaction data, which functions as both content marketing and a proprietary data asset.
Trioteca is registered with the Banco de España as a non-linked mortgage credit intermediary (Registry D320) under Ley 5/2019 and holds mandatory professional liability insurance with AXA. Revenue is generated entirely through success-based commissions from partner banks, typically 0.30%-1.00% of the loan amount, with the service free for end users. The company has grown from 1,300 mortgages in its first year (2019) to 8,000+ families served and €1,500M+ in cumulative mortgage value, reaching top-3 prescriber status in Spain by 2022. Operations span six cities (Barcelona, Madrid, Zaragoza, Valencia, Sevilla, Bilbao) and the company has not disclosed any external equity rounds beyond an early-stage $1.1M raise in 2019.
Trioteca firmographics
Firmographics- Name
- Trioteca
- Legal name
- Fresh Living Group, S.L.
- Website
- https://trioteca.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Trioteca is a Barcelona-based digital mortgage broker connecting Spanish consumers with 16-17 partner banks via an AI-powered platform offering mortgage comparison, application management, refinancing, and appraisal services, free for end users and monetized through bank success commissions.
- Ownership category
- akta.pro rank
Trioteca industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)
- akta.pro secondary industry
- Mortgage Lead Generation & Marketing Intermediaries (FSALABAI)
Keywords
Where Trioteca is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices6 records
Markets served
Trioteca business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Bank Commission (Success Fee): Trioteca earns commissions from partner banks when mortgages are successfully formalized. The commission is paid by the bank, not the customer. Commissions typically range from 0.30% to 1.00% of the loan amount, varying by bank, operation characteristics, and market conditions. This is a success-based fee model contingent on mortgage closing.
- Commercial Incentives: Additional incentives or commercial conditions associated with collaboration agreements with banks, potentially tied to volume of operations, quality of flow, or specific conditions agreed with each financial entity.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free service for all customers |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels10 records
Trioteca product offering
Product offeringCore offering
Trioteca operates a digital mortgage brokerage platform (IA Broker hipotecario) that connects Spanish homebuyers with 17+ partner banks. Users simulate mortgages, receive real-time personalized offers, and are accompanied by a personal mortgage advisor through the entire process, entirely free of charge. Trioteca earns success-based commissions (0.30%–1.00% of loan amount) from partner banks when mortgages are formalized.
Product overview
Trioteca is a digital mortgage broker (IA Broker hipotecario) operating as a platform connecting homebuyers with 17 partner banks across Spain. The core platform is Trioteca, which serves as the unified portal for all services. The primary customer-facing products include the Mortgage Simulator (Simulador) for new mortgage applications, the Mortgage Improvement service for refinancing existing mortgages, and the Calculator for estimating affordability. Supporting services include Tasación Online for property appraisals coordinated with 7 certified appraisal firms, Hipoteca Exprés for time-critical cases with an arras contract already signed, and the free Curso de Hipotecas educational video course. Content and market intelligence are delivered through the Blog and the Centro de Estudios TRIOTECA research arm. AI capabilities are embedded across the platform, including an intelligent mortgage assistant launched in 2023 and AI voice assistants for customer service call handling. The entire platform is free for end users; Trioteca earns commissions from partner banks.
Differentiator
Problem solved
Functional benefit
Products and services
- Simulador de Hipoteca (Mortgage Simulator) Guided multi-step mortgage simulation tool that collects user financial data (province, property type, purchase value, savings, repayment term, employment status, income, expenses, marital status, age) and generates personalized mortgage offers from partner banks in real time. Targeted at individual homebuyers seeking a new mortgage.
- Mejora de Hipoteca (Mortgage Improvement) Service for existing mortgage holders to compare and switch to better conditions, including variable-to-fixed conversions and subrogation to a new bank. Reports an average monthly saving of €257–€308 for customers improving their mortgage conditions (July 2025 data).
- Calculadora de Hipoteca (Mortgage Calculator) Free online calculator that estimates affordable property value, monthly mortgage payments, and associated costs based on user inputs such as income, savings, and loan term. Used by prospective buyers to understand affordability before applying.
- Tasación Online (Online Property Appraisal) Online valuation service coordinating with seven Bank of Spain-certified appraisal companies (Euroval, Krata, Risc Valor, Sociedad de Tasación, Tecnitasa, Tinsa, Valum) to provide official property valuations valid across multiple banks. Required for mortgage applications in Spain.
- Hipoteca Exprés Expedited mortgage service for buyers who have already signed an arras/reserva contract on a property, targeting time-critical purchases where standard processing timelines are too slow. Operates as a distinct service path within the Trioteca platform.
Quantifiable outcome
- Average monthly savings of €308 for customers improving mortgage conditions (July 2025)
- +3 more outcomes
Companies that use Trioteca
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
Trioteca technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability5 records
Feature4 records
Trioteca partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core, major and minor.
- CaixaBankcoreMajor Spanish banking group offering mortgage products through Trioteca's platform. One of the 15 main financial institutions with collaboration contracts.
- BBVAcoreMajor Spanish banking group providing mortgage products via the Trioteca platform. One of 16 bank partners offering competitive rates.
- SantandercoreMajor Spanish banking group with mortgage offerings available through Trioteca's comparison platform.
- BankintercoreSpanish bank providing mortgage products through the Trioteca network of bank partnerships.
- SabadellcoreSpanish banking group offering competitive mortgage products via Trioteca platform.
- KutxabankcoreBasque banking group, among the 16 financial institutions with collaboration agreements. Notable for competitive fixed-rate mortgage offerings.
- AbancamajorGalician banking group participating in Trioteca's mortgage intermediation network.
- UnicajaSpanish banking group offering mortgage products through the Trioteca platform.
- CajasurmajorAndalusian banking entity (Kutxabank group) with mortgage offerings via Trioteca.
- Laboral KutxamajorBasque cooperative bank providing mortgage products through Trioteca's network.
- IbercajamajorAragonese banking group with mortgage products available through Trioteca platform.
- OpenbankmajorDigital banking subsidiary of Santander offering online mortgage products via Trioteca.
- UCI (Unión de Créditos Inmobiliarios)majorSpecialized real estate credit entity offering mortgage solutions through Trioteca.
- MyInvestorminorDigital bank offering mortgage products via the Trioteca platform.
- GlobalcajaminorRegional Castile-La Mancha banking entity participating in Trioteca's network.
- Caixa PopularminorRegional Valencian cooperative bank offering mortgage products through Trioteca.
Scale indicators10 records
Recent moves7 records
Expansion highlights6 records
Trioteca competitors and assessment
Company assessmentBroad incumbents
- LendingTree: US-based online loan marketplace connecting consumers with multiple lenders across mortgage and consumer credit, earning lender referral fees. Largest scaled comparables for the multi-bank commission model Trioteca operates.
- Openbank: Digital banking subsidiary of Santander offering fully online mortgages in Spain. Comparable digital mortgage offering and current Trioteca partner; competitor for direct-to-consumer origination.
- Bankinter Hipoteca Digital: Direct digital channel of a major Spanish bank offering online mortgage simulation and contracting. A bank partner and competitive threat, illustrating potential disintermediation risk for Trioteca.
Direct peers
- Roams.es: Spanish online comparison and intermediation platform covering mortgages, energy, telecom, and insurance. Comparable as a multi-bank commission-based intermediary operating in Spain.
- Kelisto: Spanish price-comparison and intermediation platform covering mortgages, insurance, and utilities with bank-commission monetization. Adjacent competitor with overlapping mortgage brokerage model in Spain.
- iAhorro: Spanish mortgage and personal loan comparator/broker that connects consumers with multiple bank offers and earns commission from lenders. Directly comparable model and Spanish market focus to Trioteca.
- Idealista Hipotecas: Mortgage brokerage arm of Spain's largest property portal, offering bank-comparison and intermediation services integrated with property search. Directly comparable offering in Spanish mortgages, with media scale advantage.
- Lendismart: Spanish digital mortgage broker with a bank-comparison platform and home-loan intermediation services. Directly competes with Trioteca in the new-mortgage and refinancing segments in Spain.
Emerging players
- Habito: UK-based online mortgage broker and lender using technology to compare lender offers. Comparable digital-first brokerage model for residential mortgages, though UK-focused.
- Trussle: UK digital mortgage broker operating as an intermediary between borrowers and lenders with a refinance-focused value proposition. Comparable brokerage model to Trioteca's 'mejora' segment.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Trioteca social profiles
Digital presenceTrioteca compliance and trust
Trust signalCompliance2 records
Trioteca financial estimates
Financial estimateRevenue estimate
Valuation estimate
Trioteca leadership team
Management profileNumber of profiles
Profiles7 records
Trioteca funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Trioteca M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Trioteca
What does Trioteca do?
Trioteca operates a digital mortgage brokerage platform (IA Broker hipotecario) that connects Spanish homebuyers with 17+ partner banks. Users simulate mortgages, receive real-time personalized offers, and are accompanied by a personal mortgage advisor through the entire process, entirely free of charge. Trioteca earns success-based commissions (0.30%–1.00% of loan amount) from partner banks when mortgages are formalized.
Is Trioteca a public or private company?
Trioteca is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Trioteca founded?
Trioteca was founded in 2018. It employs 101 to 250 people.
Where is Trioteca based?
Trioteca is headquartered in Barcelona, Spain, in the Europe region.
How does Trioteca make money?
Two revenue lines are on record. Bank Commission (Success Fee) is the primary driver. The others are commercial Incentives.
Who are Trioteca's main competitors?
Broad incumbents on record are LendingTree, Openbank and Bankinter Hipoteca Digital. Direct peers are Roams.es, Kelisto, iAhorro, Idealista Hipotecas and Lendismart. Emerging players are Habito and Trussle.
Does Trioteca have an API?
No public API is recorded for Trioteca.
What industry is Trioteca in?
Trioteca's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAMAA, Mortgage & Loan Introducers (Residential & Commercial), with a secondary code of FSALABAI, Mortgage Lead Generation & Marketing Intermediaries. Its NAICS code is 522310 and its SIC code is 6163.