What Ibercredit does

Ibercredit is a Madrid-based mortgage brokerage firm founded in 2003 and operated under the legal entity CRUVERSAN SOLUCIONES S.L. The company functions as a non-tied mortgage credit intermediary (intermediario no vinculado), registered with the Banco de España under number D062 pursuant to Law 5/2019. It evaluates, selects, and recommends mortgage products for individual consumers and real estate agencies, channeling client demand to a broad set of Spanish banking partners and retaining a sales-led, in-person advisory service model rather than a digital self-service platform.

The firm's product portfolio comprises six specialized mortgage offerings: Hipoteca Funcionarios (up to 100% financing for public employees, fixed TIN from 1.60%, up to 30-year terms), Hipoteca Cien (100% financing across multiple worker profiles), Hipoteca Premium (personal banking segment), Hipoteca Total (purchase price plus associated expenses), Hipoteca Fusion (debt consolidation), and Hipotecas VPO (protected housing). Ibercredit monetizes via transaction commissions of 0.75%–5% of total operation amount, with a €1,000 minimum, payable at signing of the European Standardized Information Sheet (FEIN). The firm has served more than 1,500 clients across Spain and holds civil liability insurance with Lloyd's (policy BNE201900044) and GDPR compliance.

Ibercredit's go-to-market is sales-led and relationship-driven, with more than 20 mortgage experts delivering in-person advisory from a single Madrid headquarters in the Retiro district (Calle Doctor Esquerdo 184). Customer acquisition combines SEO-optimized website content, phone and email inquiry handling, regular mortgage-market blog content, and referral partnerships with real estate agencies performing pre-viability assessments for prospective buyers. The firm holds no proprietary technology platforms, no disclosed AI/ML capabilities, no external funding rounds, and operates as a privately held, independently owned company without parent or subsidiary structure.

Name

Ibercredit

Legal name

CRUVERSAN SOLUCIONES S.L

Website

https://ibercredit.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Ibercredit is a Madrid-based non-tied mortgage brokerage firm serving Spanish individual consumers and real estate agencies with personalized mortgage intermediation services, operating under Banco de España registration D062 and earning transaction commissions from a broad portfolio of partner banking entities.

Ownership category

akta.pro rank

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Mortgage Intermediation Commission: Ibercredit charges commissions as a non-tied intermediary (intermediario no vinculado) that manages operations with multiple real estate lenders representing the majority of the market. Fees are calculated as a percentage of the total operation amount.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Ibercredit is an independent mortgage brokerage firm (intermediario no vinculado) operating under the legal entity CRUVERSAN SOLUCIONES S.L., registered with Banco de España under number D062. It evaluates, selects, and recommends mortgage loans from the majority of Spanish banking entities for individual homebuyers, civil servants, personal banking clients, and protected housing (VPO) buyers, providing in-person advisory throughout the full process from initial financial study through notarized signing and property registration.

Product overview

Ibercredit is a mortgage brokerage and consulting firm offering a portfolio of specialized mortgage products designed for different borrower profiles. The core offerings include Hipoteca Funcionarios (for public employees with up to 100% financing), Hipoteca Cien (100% financing for various worker types), Hipoteca Premium (for banking personal segment), Hipoteca Total (covering purchase plus expenses), Hipoteca Fusion (debt consolidation), and Hipotecas VPO (protected housing). The company operates as an intermediary, evaluating, selecting, and recommending the most suitable mortgage from partner banking entities, with personalized advisory and processing services.

Differentiator

Problem solved

Functional benefit

Products and services

• Hipoteca Funcionarios Ibercredit Mortgage product specifically designed for Spanish public employees (funcionarios), offering up to 100% financing of the purchase or appraisal value, fixed TIN from 1.60%, and terms up to 30 years. Targeted at any civil servant working for a Spanish public administration.
• Hipoteca Cien (Hipoteca 100%) Ibercredit Mortgage offering up to 100% of purchase value and up to 90% of appraisal value for public employees, self-employed, and salaried workers, with terms up to 35 years and fixed TIN from 2.00%.
• Hipoteca Premium Ibercredit Mortgage for the banking personal (banca personal) segment targeting property acquisition or condition improvement, with combined products tailored to client needs and up to 80% financing of purchase and appraisal values.
• Hipoteca Total Ibercredit Financing product covering both the purchase price of housing and associated expenses (taxes, notary, property registry, and management fees), requiring at least a second real guarantee.
• Hipoteca Fusion Ibercredit Debt consolidation mortgage allowing clients with property and other loans to unify all monthly payments into a single mortgage loan, with terms up to 25 years and fixed TIN from 2.90%.
• Hipotecas VPO Ibercredit Protected housing (VPO) mortgage financing for buyers needing more than 80% up to 100% of purchase price, with terms up to 30 years and interest rates starting from Euribor +1%.

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Banking Entities (Multiple Spanish Banks)coreChannel Partner/ Reseller/ DistributorIbercredit collaborates with the majority of Spanish banking entities to offer the best mortgage products. As a non-tied intermediary, they have access to diverse mortgage products across the market, enabling them to select optimal offers for each client's needs. This multi-partner approach provides collective negotiating power with banks.

Scale indicators4 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• iAhorro: iAhorro is a Spanish financial comparator and mortgage broker that helps consumers compare and arrange mortgages and other financial products across multiple lenders, serving the same Spanish borrower segment as Ibercredit.
• Idealista Hipotecas: Idealista Hipotecas is the mortgage brokerage arm of Spain's leading property portal, offering online rate comparison and broker intermediation to Spanish consumers — a direct competitor to Ibercredit's in-person brokerage model.
• Kelisto: Kelisto is a Spanish price comparison and advisory platform with a dedicated mortgage comparison service, competing with Ibercredit for Spanish consumers shopping for mortgage products across banks.
• Trioteca: Trioteca is a Madrid-headquartered Spanish mortgage broker that compares offers across multiple banks and intermediates mortgages for consumers, directly overlapping Ibercredit's core intermediation model in the same geography.

Emerging players

• Younited Credit Spain: Younited Credit is a European consumer credit marketplace operating in Spain, providing personal loans and adjacent credit products to Spanish consumers — adjacent peer to Ibercredit in Spanish consumer credit intermediation.
• Housfy Hipotecas: Housfy is a Spanish proptech that has expanded into mortgage intermediation, offering a digital-first brokerage that overlaps with Ibercredit's product set while serving a more tech-native customer base.
• Creditea: Creditea is a Spanish online consumer credit and personal loan platform owned by WiZink, adjacent to Ibercredit's lending-related financial intermediation but focused on personal loans rather than mortgages.

Broad incumbents

• BBVA España: BBVA is one of Spain's largest banks offering direct mortgage origination and increasingly digital mortgage channels, competing with Ibercredit's intermediary value proposition as a major Spanish lender.
• Openbank: Openbank, the digital bank of Santander Group, offers direct mortgage products and rate comparisons in Spain — a broader incumbent that competes with Ibercredit by serving Spanish borrowers through a captive bank channel.

Regional players

• Lendo: Lendo is a leading mortgage broker and comparison platform in the Nordics operating a similar non-tied intermediary model to Ibercredit, comparable as a structural peer in European mortgage intermediation though serving a different geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/iberCREDIT

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ibercredit