# Banking: unfair terms and mortgage costs

Source: https://iberfacil.es/en/services/unfair-bank-terms
Markdown: https://iberfacil.es/en/services/unfair-bank-terms.md

**In short:** Banking: unfair terms and mortgage costs. We review the deed and the contract and claim set-up costs, fees, default interest and floor or multi-currency clauses. We handle it ourselves from start to finish, with professionals from our network, with a written quote before we start and your case visible in your client area. We ask for the loan deed, the notary, registry, agency and valuation invoices, and the receipts.

## Reviewing what the bank overcharged you

 First consultation, viability study and quote:  **Free until 5 January 2027**  Tell us about your case

We review the deed and the contract and claim set-up costs, fees, default interest and floor or multi-currency clauses.

 First consultation, viability study and quote:  **Free until 5 January 2027**  [Tell us about your case](https://iberfacil.es/en/contact)

### The service at a glance

#### What is included

- Analysis of the deed and the amortisation schedule
- Calculation of the claimable amount with interest
- Claim to the bank’s complaints service and to the central bank

#### Price

Payment on account + success fee

Initial payment on account

€181.50 VAT included

€150.00 + €31.50 VAT (21%)

 Plus a percentage of what you recover

You only pay it once the money is in your account.

The percentage depends on the amount recovered, by band: we set it out in your quote, before you sign.

[How we charge](https://iberfacil.es/en/pricing#how-we-charge)

 Price valid until November 21, 2026.

Prices include VAT. Public fees are separate, in your name and without a mark-up.

### WHAT IS INCLUDED AND WHAT IS NOT PROMISED

What can be recovered depends on what you signed and when, not on what the adverts say. Reading the deed before claiming avoids starting a case that was lost from the outset.

What it includes: analysis of the deed and the amortisation schedule; calculation of the claimable amount with interest; claim to the bank’s complaints service and to the central bank. What it does not include: we cannot guarantee a refund: it depends on the specific clause, the date and the case law applicable at the time. Only for consumers (not for self-employed people or companies). A court claim is a separate service, with a lawyer from the network.

#### DOCUMENTS YOU WILL NEED

- Full mortgage loan deed.
- Invoices from notary, agency, registry and valuation.
- Amortisation schedule and receipts.

#### INDICATIVE TIMING

We answer your enquiry within 1 working day and send the written quote within 2 working days.

Once your documents are complete, we prepare the file between 3 and 8 working days.

The bank has a statutory response deadline; if refused, the central bank complaint or the court route adds months.

See [the pricing page](https://iberfacil.es/en/pricing) for how we charge this kind of matter.

### How it works

1. **WHAT CAN BE CLAIMED** We read the deed and the repayment schedule and tell you which clauses can be claimed and how much they add up to with interest.
2. **DOCUMENTS AND PRICE** We ask for the loan deed, the notary, registry, agency and valuation invoices, and the receipts.
3. **CLAIM TO THE BANK** We claim in writing from the bank's customer service department with a detailed calculation of what you are owed.
4. **BANK OF SPAIN OR COURT** If the bank does not reply or refuses, we complain to the Bank of Spain and explain which court route remains and how it is charged.

#### What to have at hand

- Full mortgage loan deed
- Invoices from notary, agency, registry and valuation
- Amortisation schedule and receipts

### Frequently asked questions

WHICH COSTS CAN BE RECOVERED?

It depends on the date and on how current case law splits them. We calculate with your invoices before claiming.

IS IT TIME-BARRED?

How the limitation period runs in these cases has changed. We check against your deed.

DO I HAVE TO GO TO COURT?

Not always: many banks settle first. We start out of court.

### RELATED SERVICES

People who come for “Banking: unfair terms and mortgage costs” often need one of these Out of court procedures too. If your case mixes several, it goes in a single file with a single quote.

- [Consumer authority complaint](https://iberfacil.es/en/services/consumer-complaint)
- [Telecoms, utilities and credit blacklists](https://iberfacil.es/en/services/telecoms-utilities)
- [Personal insolvency and debt discharge](https://iberfacil.es/en/services/debt-relief)
- [Certified letters and formal demands](https://iberfacil.es/en/services/certified-demands)

[See everything we do in Out of court](https://iberfacil.es/en/services/out-of-court)

 This content is informative and educational: it is not legal advice and does not replace consulting a professional. If you need advice on your own case, [get in touch](https://iberfacil.es/en/contact).