Hipoo
Hipoo is a Madrid-based, Bank of Spain-regulated digital mortgage intermediary that combines an online comparison platform with expert advisors to match individual Spanish borrowers against 21+ bank lenders and serve them through 500+ partner collaborators.
- Company typePrivate
- Founded2018
- HeadquartersMadrid, Spain
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Hipoo does
Hipoo (legally NOMAD FINANCE SPAIN, S.L.) is a Madrid-based fintech operating a digital mortgage intermediation platform in Spain. Founded in 2018, the company combines an online self-service profile and mortgage calculator with human expert advisors who compare and negotiate loan offers across 21+ Spanish banks on behalf of individual borrowers, covering home purchases, refinancing/subrogation, investment property, and non-resident buyer use cases. The platform is regulated by the Bank of Spain as a Real Estate Credit Intermediary (registration D689) under Law 5/2019, and is distributed through both direct-to-consumer digital channels (website, WhatsApp, Instagram, YouTube) and a network of 500+ active mortgage partner collaborators.
The underlying technology centers on a digital profiling and matching engine that ingests borrower financial inputs (income, savings, debts, employment type) and pairs them against partner bank product criteria, supported by a partner-facing portal with real-time application tracking. There is no disclosed API or SDK, no AI/ML capability claims, and no proprietary model infrastructure described — the differentiation sits in workflow orchestration, lender coverage breadth, and expert negotiation rather than in algorithmic underwriting.
Commercially, Hipoo operates a freemium funnel: the feasibility study and bank profile-matching are free, with fees charged as a percentage of loan capital only at the point the borrower signs the European Standardized Information Sheet (FEIN), and additional commission revenue accrues from partner banks on placed mortgage volume. By 2022 the company had served 35,000+ users with €40M+ cumulatively managed in mortgages; the partner channel alone processes €2M+ in monthly loan volume at an 85% approval rate. The business is founder-led (Juan Ferrer, founder and CEO; Antonio Brusola, co-founder), operates exclusively in Spain, and has not disclosed external venture or private equity funding.
Hipoo firmographics
Firmographics- Name
- Hipoo
- Legal name
- NOMAD FINANCE SPAIN, S.L.
- Website
- https://hipoo.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Hipoo is a Madrid-based, Bank of Spain-regulated digital mortgage intermediary that combines an online comparison platform with expert advisors to match individual Spanish borrowers against 21+ bank lenders and serve them through 500+ partner collaborators.
- Ownership category
- akta.pro rank
Hipoo industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)
- akta.pro secondary industry
- Mortgage Lead Generation & Marketing Intermediaries (FSALABAI)
Keywords
Where Hipoo is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Hipoo business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Others
Revenue model
- Mortgage intermediation fees: Hipoo charges fees as a percentage of the loan capital when the mortgage FEIN (European Standardized Information Sheet) is signed by the client. The feasibility study and profile presentation to banks is free. In most situations the service is free, but complexity may result in fees.
- Commission from lenders: Nomad may receive commissions from collaborating financial entities (banks) for placing mortgage business with them. These commissions do not reduce the client-facing fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free initial assessment |
| Transaction based/ take rate | Pay-as-you-go | Standard intermediation service |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Hipoo product offering
Product offeringCore offering
Hipoo is a digital mortgage intermediation platform that connects Spanish consumers with a panel of 14+ partner banks to compare, negotiate, and close mortgage offers. The service combines a proprietary technology platform with dedicated human mortgage advisors, providing free feasibility assessments, bank-offer comparison, and end-to-end application support. Hipoo operates as a Bank of Spain registered mortgage intermediary (registration D689).
Product overview
Hipoo is a fintech mortgage intermediation platform that operates as a unified service combining technology-enabled mortgage comparison and negotiation with expert advisor support. The core offering consists of the Hipoo Mortgage Intermediation Service (which compares 14+ bank offers and negotiates on users' behalf), complemented by a Mortgage Calculator tool for estimating payments. The company also operates a Partner Network (Colaboradores) for mortgage professionals, and offers specialized services for home purchases, foreign buyers, real estate investment, and mortgage refinancing. All services are accessible online 24/7, with expert support available via phone, email, and WhatsApp.
Differentiator
Problem solved
Functional benefit
Products and services
- Hipoo Mortgage Intermediation Service End-to-end mortgage intermediation service for Spanish consumers that combines a proprietary multi-bank comparison platform with a dedicated human advisor to compare offers, negotiate, and close mortgages with a panel of 14+ Spanish partner banks. Includes a free feasibility assessment, advisor-guided application preparation, and closure support across home purchase, refinancing, non-resident, and investment property use cases.
- Hipoo Non-Resident Mortgage Service Specialized intermediation track within Hipoo aimed at non-resident and foreign buyers seeking to finance property in Spain, leveraging the company's 14+ partner banks for non-resident mortgage products and supporting documentation needs unique to cross-border buyers.
- Hipoo Real Estate Investment Mortgage Service Specialized intermediation track within Hipoo for individual investors acquiring property for rental or investment purposes, matching them to partner-bank mortgage products tailored to investment-grade acquisitions.
- Hipoo Mortgage Improvement (Refinancing) Service Refinancing-focused intermediation track within Hipoo for existing Spanish mortgage holders seeking improved conditions, lender subrogation, or term restructuring across the company's 14+ partner banks.
- Simulador Hipotecario (Mortgage Calculator) Public-facing mortgage calculator that enables prospective Spanish customers to model mortgage scenarios and obtain an initial estimate of likely conditions before proceeding to the intermediated offer comparison and advisor engagement.
Quantifiable outcome
- Complete mortgage process in 5-6 days
- +2 more outcomes
Companies that use Hipoo
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles4 records
Hipoo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature3 records
Hipoo partnerships and signals
Strategic signalPartnerships
24 partnerships are on record, tiered core and minor.
- AbancacoreSpanish bank partner providing mortgage products through Hipoo's intermediation platform. One of 21+ bank partners enabling Hipoo to offer diverse mortgage options to customers.
- BankintercoreSpanish bank partner offering mortgage products via Hipoo's network. One of 21+ lending partners providing competitive mortgage options.
- CaixaBankcoreMajor Spanish banking group partner in Hipoo's lender network. Provides mortgage products and preferential conditions through the platform.
- SantandercoreLeading Spanish bank partner offering mortgage financing through Hipoo's intermediation service.
- SabadellcoreSpanish banking partner in Hipoo's network providing mortgage products to customers.
- OpenbankcoreDigital bank subsidiary of Santander offering competitive mortgage products via Hipoo platform.
- BBVAcoreMajor Spanish banking group partner providing mortgage lending through Hipoo's network.
- INGcoreInternational digital bank offering mortgage products in Spain through Hipoo's intermediation platform.
- UnicajacoreSpanish regional bank partner offering mortgage products via Hipoo's lender network.
- Targo BankcoreGerman-origin bank operating in Spain as mortgage partner through Hipoo's platform.
- GlobalcajacoreSpanish regional banking cooperative partner offering mortgage products to Hipoo customers.
- IbercajacoreSpanish savings bank partner in Hipoo's mortgage network.
- KutxabankcoreBasque banking group partner providing mortgage lending options.
- LiberbankcoreSpanish banking group partner offering mortgage products through Hipoo.
- Triodos BankcoreEthical banking partner providing sustainable mortgage options via Hipoo platform.
- BankiacoreSpanish bank partner (merged with Caixabank) offering mortgage products.
- PopularcoreSpanish bank partner (merged with Santander) providing mortgage options.
- DeutschebankminorGerman banking group offering mortgage products in Spain via Hipoo.
- EvobankminorDigital banking subsidiary offering competitive mortgage rates through Hipoo.
- CoincminorOnline mortgage broker and lender partner in Hipoo's network.
- Hipotecas.comminorOnline mortgage platform partner providing comparison and lending services.
- MediolanumminorItalian banking group operating in Spain offering mortgage products.
- CajaingenierosminorBanking cooperative partner offering mortgage products to Hipoo customers.
- Mortgage Collaborators Networkcore500+ active mortgage partner collaborators who refer clients to Hipoo, benefiting from 85% approval rates, €2M+ monthly volume processed, real-time tracking, and access to 20+ bank products. Partners receive dedicated 24/7 support, advanced technology platform, specialized training, and marketing materials.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Hipoo competitors and assessment
Company assessmentDirect peers
- iAhorro: Spanish financial product comparison marketplace with a strong mortgage comparison and intermediation vertical, targeting the same homebuyers and self-employed segments as Hipoo.
- Kelisto: Spanish price comparison platform covering mortgages and other financial products; overlaps with Hipoo on the mortgage comparison and intermediation journey.
- Trioteca: Spanish mortgage comparison and advisory platform that helps borrowers compare offers from multiple banks and negotiates on their behalf — directly mirroring Hipoo's core value proposition.
- Idealista Hipotecas: Mortgage comparison and intermediation service run by Spain's leading property portal, leveraging Idealista's traffic to source borrowers and compare bank offers — a scaled competitor to Hipoo in the same category.
- Hipotecas.com: Spanish online mortgage broker and lender operating a comparison and intermediation platform very similar to Hipoo, and explicitly listed among Hipoo's bank partners. Direct competitor in the Spanish mortgage intermediary category.
- Helpmycash: Spanish personal finance comparison portal with a dedicated mortgage comparison and brokerage service, competing with Hipoo for the same Spanish homebuyers and refinancers.
Broad incumbents
- LendingTree: Largest US mortgage and consumer lending comparison marketplace; broader incumbent illustrating the scaled version of the comparison-and-intermediation model Hipoo is building in Spain.
Others
- Openbank: Santander's digital bank, listed among Hipoo's 21+ bank partners, with an aggressive direct-to-consumer mortgage offering in Spain; illustrates the partner-vs-competitor tension in Hipoo's distribution model.
- Evo Banco: Spanish digital bank and Hipoo bank partner that also sells mortgages directly online; representative of the bank direct-to-consumer channel Hipoo competes against for the same end borrower.
Regional players
- Habito: UK-based digital mortgage broker and lender using a similar tech-plus-advisor hybrid model to compare whole-of-market mortgage products; a useful comparable for Hipoo's model though operating in a different geography.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Hipoo social profiles
Digital presenceHipoo compliance and trust
Trust signalCompliance3 records
Hipoo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hipoo leadership team
Management profileNumber of profiles
Profiles2 records
Hipoo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hipoo 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 Hipoo
What does Hipoo do?
Hipoo is a digital mortgage intermediation platform that connects Spanish consumers with a panel of 14+ partner banks to compare, negotiate, and close mortgage offers. The service combines a proprietary technology platform with dedicated human mortgage advisors, providing free feasibility assessments, bank-offer comparison, and end-to-end application support. Hipoo operates as a Bank of Spain registered mortgage intermediary (registration D689).
Is Hipoo a public or private company?
Hipoo is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Hipoo founded?
Hipoo was founded in 2018. It employs 11 to 50 people.
Where is Hipoo based?
Hipoo is headquartered in Madrid, Spain, in the Europe region.
How does Hipoo make money?
Two revenue lines are on record. Mortgage intermediation fees are the primary driver. The others are commission from lenders.
Who are Hipoo's main competitors?
Direct peers on record are iAhorro, Kelisto, Trioteca, Idealista Hipotecas, Hipotecas.com and Helpmycash. LendingTree is listed as a broad incumbent. Others are Openbank and Evo Banco. Habito is listed as a regional player.
Does Hipoo have an API?
No public API is recorded for Hipoo.
What industry is Hipoo in?
Hipoo'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 FSALABAI, Mortgage Lead Generation & Marketing Intermediaries. Its NAICS code is 5223 and its SIC code is 6163.