SPANISH PROPERTY CLAIMS

Spanish Property Claims

Claim compensation for mis-sold Spanish mortgages and failed off-plan property purchases — with Quaerens on a no win, no fee basis.

• Have you bought property in Spain and later discovered things weren’t as promised?
• Were you advised into taking out a risky or unclear mortgage?
• Did you pay for a property off-plan that was never delivered?

You're not alone. Over the last 20 years, tens of thousands of international buyers — especially from the UK, Netherlands, Germany, Ireland, and Scandinavia — were mis-sold mortgages or lost money in off-plan property schemes.

These cases often involve clear violations of Spanish consumer law and EU protections — including the right to truthful marketing, contractual transparency, and refund guarantees for unbuilt properties.

Mis-Sold Spanish Mortgages

Many foreigners were persuaded by estate agents, banks, or brokers to take out Spanish mortgages that were inappropriate, complex, or even unlawful. These were often pushed as part of "investment packages" and signed without the buyer understanding the long-term financial consequences.

• ✅ Most mortgage agreements signed before 2019 qualify for legal challenge.
• ✅ Even if your mortgage has been fully repaid, you may still have a valid claim.

What Went Wrong?

• Foreign Currency Loans– Banks offered mortgages in Swiss francs, Japanese yen, or other currencies to non-Spanish buyers, claiming these loans had “lower interest.” In reality, these were high-risk and unstable products.
• Lack of Transparency– Many agreements were only in Spanish, lacked proper breakdowns, and failed affordability checks — violating Spanish and EU laws (Directive 2014/17/EU).
• Unregulated “Equity Release” Schemes – Sold to retirees as pension boosters, these were often unregulated and highly risky.

Off-Plan Property Claims

• Thousands of buyers paid for off-plan homes that were never finished, never registered, or built without permission. Most lacked the legally required bank guarantees (Law 57/1968), making the banks liable for refunds and interest.

Your Legal Rights in Spain

Spanish law and Supreme Court rulings now support claims based on mis-selling, lack of transparency, and missing bank guarantees.

• Bank Liability for Off-Plan FailuresSpanish Law 57/1968 and later Supreme Court rulings make banks jointly liable if they accepted deposits into developer accounts without issuing the required guarantees.
• Lack of Informed Consent Equals Invalid ContractIf your mortgage terms (interest rate, fees, risks) were not explained clearly in your language, the agreement may be declared null due to lack of informed consent.
• Abusive Clauses Can Be Removed or RefundedCourts have struck down abusive terms — such as floor interest rates, early repayment penalties, and inflated valuation fees — with refunds granted.
• EU Directive 93/13 on Unfair Terms AppliesEven if your contract was signed years ago, EU consumer protection law allows you to challenge unfair terms or omissions — retroactively.

You have the right to cancel your mortgage, get refunded, or be compensated by the bank.

Why Choose Quaerens?

We’ve helped hundreds of international clients recover money from mis-sold Spanish mortgages and failed off-plan property deals. Here’s why Quaerens is the trusted choice:

• ✅ No Win, No Fee
  You only pay if we succeed. There are no upfront costs, no hidden fees — just results. If we don’t recover compensation, you owe nothing.
• ✅ Expert Legal Network
  We work with a carefully selected network of experienced Spanish lawyers who specialise in real estate, mortgage litigation, and cross-border consumer protection claims.
• ✅ Multilingual Team
  Our team supports clients in English, Dutch, German, French, Spanish, and more — ensuring clear communication at every step, wherever you're based.
• ✅ Clear, Honest Advice
  We believe in transparency. From the first conversation to final outcome, you’ll receive straightforward guidance and realistic expectations — no legal jargon or pressure.
• ✅ Hundreds Helped
  We've secured compensation and justice for clients across Europe who were misled by banks, developers, or agents in Spain. You’re in proven hands.

Choose Quaerens for experience, transparency, and results — all backed by legal professionals who know the Spanish system inside out.

Get a Free Legal Review
Whether you're still paying your mortgage or thought the matter was over — we can check if you're eligible. Many past mortgage holders are entitled to thousands in compensation. If you lost money in a Spanish off-plan deal, we’ll assess the bank’s responsibility and explain how we can help — on a no win, no fee basis.

👉 Start your free case review now. Let us help you recover what’s rightfully yours — with experience, care, and proven legal tools.