Helloteca
Helloteca is a Barcelona-based digital mortgage intermediation platform that matches Spanish consumers and real estate agencies with mortgage and consumer credit products from 9+ partner banks via a pre-scoring system, success-based commissions, and human analyst support.
- Company typePrivate
- Founded2018
- HeadquartersBarcelona, Spain
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Helloteca does
Helloteca (legal name HELLOHIPOTECA, S.L.) is a Barcelona-based digital mortgage intermediary founded in 2018 that operates a platform connecting Spanish consumers with mortgage and consumer credit products from 9+ partner banks. The company serves individual home buyers seeking primary residence mortgages, second homes, refinancing, mortgage extensions, self-promotion financing, and related credit products, with a secondary B2B platform (Helloteca Inmobiliarias) serving real estate agencies. Core technology consists of a digital mortgage simulator with an internal pre-scoring system that evaluates viability and matches customer profiles to bank risk appetites, a multi-bank comparison interface, and a documented 5-step guided process (simulate, expert contact, documentation upload, negotiation, signing). All analysts are LCCI-certified under Spanish Law 5/2019, and the company holds Banco de España credit intermediary registration (D071), Registro Estatal entry, and €500,000 professional liability insurance.
The business model is commission-based and success-linked: Helloteca earns fees from banks only on completed mortgage originations. Effective rates vary by product: up to 5% of capital granted for real estate purchase financing, up to 10% for debt consolidation, up to 10% for consumer loans, and up to 15% for business investment financing. The platform offers two service tiers: Hello!FREE (complimentary bank comparison) and Hello!PREMIUM (full-service expert advisory with full legal, fiscal, and financial accompaniment). The customer-facing side is free; monetization occurs on the bank side per closed deal, with a minimum mortgage ticket of €80,000. Distribution is primarily direct-to-consumer via the web simulator, phone, and WhatsApp, with a parallel B2B channel through Helloteca Inmobiliarias.
Helloteca has served 1,500+ lifetime customers and holds a 4.8/5 Google rating across 803 reviews, with documented repeat usage for renegotiation. The company has raised approximately $1.7M across two funding rounds in 2019 (~$798K, PADEInvest) and 2020 (~$905K, PADEInvest and tQuity). The leadership team includes CEO Juan Pablo Caturini, CTO Adrian Martinez, CFO Joaquin Rubio, General Director Sergio Fernández, and Sales Director Nuria Alvaro Carrasco. The platform is registered with Banco de España, the Registro Estatal de Empresas, and is GDPR and LSSI-CE compliant, with data processing overseen by a DPO.
Helloteca firmographics
Firmographics- Name
- Helloteca
- Legal name
- HELLOHIPOTECA, S.L.
- Website
- https://helloteca.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Helloteca is a Barcelona-based digital mortgage intermediation platform that matches Spanish consumers and real estate agencies with mortgage and consumer credit products from 9+ partner banks via a pre-scoring system, success-based commissions, and human analyst support.
- Ownership category
- akta.pro rank
Helloteca industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)
- akta.pro secondary industries
- Consumer Direct / Online Mortgage Origination (FSALAAAB), Mortgage Lead Generation & Marketing Intermediaries (FSALABAI), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)
Keywords
Where Helloteca is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Helloteca business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Others
Revenue model
- Commission on Mortgage Financing: Helloteca charges commission fees when a mortgage is successfully closed. The company works on a success-basis model where fees are only charged if the operation completes. Fee percentages vary by product type: real estate purchase financing (up to 5% of capital granted), debt consolidation (up to 10%), business investment financing (up to 15%), and consumer loans (up to 10%).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Hello!FREE - Free mortgage comparison service |
| Transaction based/ take rate | Pay-as-you-go | Hello!PREMIUM - Full-service premium mortgage assistance |
| Transaction based/ take rate | Pay-as-you-go | Real estate purchase financing fees |
| Transaction based/ take rate | Pay-as-you-go | Debt consolidation fees |
| Transaction based/ take rate | Pay-as-you-go | Business investment financing fees |
| Transaction based/ take rate | Pay-as-you-go | Consumer loan mediation fees |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Helloteca product offering
Product offeringCore offering
Helloteca operates a digital mortgage intermediation platform that connects Spanish consumers with mortgage offers from 9+ partner banks. Customers use a free online simulator to assess mortgage viability, after which expert analysts negotiate and compare bank offers on their behalf, charging commission only on successfully closed mortgages. The platform also offers a dedicated B2B service for real estate agencies to provide financing solutions to their property-buying clients.
Product overview
Helloteca operates as a digital mortgage intermediary platform offering two service tiers: Hello!FREE (complimentary bank comparison) and Hello!PREMIUM (full-service expert advisory). The platform provides a digital mortgage simulation tool and services across 9+ mortgage product types including primary residence, secondary residence, mortgage improvement, extensions, self-promotion, 100% financing, liquidity, and condominium extinction. Their proprietary 5-step method guides users from simulation through expert negotiation to final signing. Additionally, they offer a dedicated platform for real estate agencies (Helloteca Inmobiliarias) enabling credit evaluation and client tracking. The company leverages WhatsApp as a communication channel for customer service.
Differentiator
Problem solved
Functional benefit
Products and services
- Hello!FREE
- Hello!PREMIUM Premium full-service mortgage assistance for individual home buyers. An expert analyst handles the entire process from documentation and bank negotiation to FEIN review and notarial coordination, charging a success-based fee upon mortgage completion.
- Simulador de Hipoteca (Mortgage Simulator) Standalone digital tool that lets users simulate mortgage options, assess viability based on their financial profile and property details, and receive preliminary bank offers without obligation.
- Helloteca Inmobiliarias (Real Estate Agency Service) Online B2B platform for real estate agencies that provides credit evaluation, real-time viability checks, financing alternatives, and a personalized control panel for tracking each client's mortgage operation from pre-qualification through signing.
Quantifiable outcome
- Save over 500 euros per month on mortgage payments and associated products
- +2 more outcomes
Companies that use Helloteca
Customer profileNamed customers7 records
Segments2 records
Ideal customer profiles2 records
Helloteca technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Helloteca partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- MyInvestor BancocoreDigital bank partner providing mortgage products through Helloteca's platform. Part of the multi-bank network offering customers diverse financing options.
- CaixabankcoreMajor Spanish banking partner offering mortgage products through Helloteca's intermediation services.
- Banco SabadellcoreSpanish banking group providing mortgage financing options via Helloteca's comparison platform.
- KutxabankcoreBasque banking institution partner offering mortgage products through Helloteca.
- Banco SantandercoreMajor Spanish banking group providing mortgage products via Helloteca's intermediation network.
- UnicajacoreSpanish banking partner offering mortgage financing through Helloteca's platform.
- AbancacoreGalician banking institution providing mortgage products via Helloteca.
- Laboral KutxacoreBasque cooperative bank partner offering mortgage products through Helloteca.
- GlobalcajacoreCastile-La Mancha based banking partner providing mortgage options via Helloteca.
- CofidisminorConsumer credit institution partner offering financing products through Helloteca.
- ING DirectminorDigital banking partner potentially providing mortgage products via Helloteca.
- UCI (Unión de Créditos Inmobiliarios)minorReal estate credit specialist partner offering mortgage solutions through Helloteca.
- Deutsche Bank SpainminorInternational banking group providing mortgage products via Helloteca.
- Caja Rural de GranadaminorAndalusian cooperative banking partner offering mortgage options.
- Caja Rural del SurminorSouthern Spain cooperative banking partner.
- Eurocaja RuralminorRural cooperative banking institution partner.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Helloteca competitors and assessment
Company assessmentDirect peers
- Trioteca: Spain's largest independent digital mortgage broker, aggregating offers from multiple Spanish banks. Directly competes with Helloteca on the same consumer-direct mortgage comparison and intermediation proposition in Spain.
- Idealista Hipotecas: Mortgage comparison and intermediation service operated by Spain's leading property portal Idealista. Targets the same home-buyer customer with multi-bank mortgage offers and competes head-to-head with Helloteca.
- UCI (Unión de Créditos Inmobiliarios): Spanish real estate credit specialist bank focused on mortgages for primary residence, second homes and self-promotion. Helloteca partner and a competing direct lender in the same product categories.
- Creditea: Spanish online consumer credit platform offering personal loans, debt consolidation and small-ticket credit digitally. Competes with Helloteca's debt-consolidation and consumer-loan intermediation lines.
Broad incumbents
- MyInvestor: Spanish digital bank offering mortgage products directly. Is both a Helloteca bank partner and a competitor — its own digital mortgage funnel threatens Helloteca's intermediation value proposition.
- Openbank: Santander Group's 100% digital bank offering direct mortgage origination in Spain. As a Helloteca partner and direct digital lender, it represents both distribution and disintermediation risk.
- EVO Banco: Spanish digital bank offering direct mortgage products alongside current accounts and consumer lending. Comparable to Helloteca's bank partners as a digital-first lender competing for the same end customer.
- LendingTree: US-headquartered online lending marketplace comparing mortgages and other credit products from multiple lenders. Operates the same multi-lender comparison and lead-generation business model that Helloteca aspires to scale in Spain.
Others
- Habi: Colombian-founded proptech active in Spain and Latin America for instant home-buying offers. Adjacent rather than direct — competes for the same home-buying journey and could expand into mortgage intermediation.
Regional players
- Younited Credit: Europe-wide instant lending platform operating a marketplace lending model across France, Italy, Spain and others. Comparable in operating a digital intermediation / lender-match stack, though outside Spain as primary market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Helloteca social profiles
Digital presenceHelloteca compliance and trust
Trust signalCompliance6 records
Helloteca financial estimates
Financial estimateRevenue estimate
Valuation estimate
Helloteca leadership team
Management profileNumber of profiles
Profiles5 records
Helloteca funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Helloteca 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 Helloteca
What does Helloteca do?
Helloteca operates a digital mortgage intermediation platform that connects Spanish consumers with mortgage offers from 9+ partner banks. Customers use a free online simulator to assess mortgage viability, after which expert analysts negotiate and compare bank offers on their behalf, charging commission only on successfully closed mortgages. The platform also offers a dedicated B2B service for real estate agencies to provide financing solutions to their property-buying clients.
Is Helloteca a public or private company?
Helloteca is a private company. It is classified as venture growth investor backed and is currently operating.
When was Helloteca founded?
Helloteca was founded in 2018. It employs 51 to 100 people.
Where is Helloteca based?
Helloteca is headquartered in Barcelona, Spain, in the Europe region.
How does Helloteca make money?
One revenue line is on record: commission on Mortgage Financing.
Who are Helloteca's main competitors?
Direct peers on record are Trioteca, Idealista Hipotecas, UCI (Unión de Créditos Inmobiliarios) and Creditea. Broad incumbents are MyInvestor, Openbank, EVO Banco and LendingTree. Habi is listed as an others. Younited Credit is listed as a regional player.
Does Helloteca have an API?
No public API is recorded for Helloteca.
What industry is Helloteca in?
Helloteca's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSALABAJ, Mortgage Comparison, Marketplace & Rate-Shopping Platforms, with a secondary code of FSALAAAB, Consumer Direct / Online Mortgage Origination. Its NAICS code is 522310 and its SIC code is 6163.