HipoTrack: Simulador Hipotecas

🏠 HipoTrack: Your mortgage, clear once and for all.

The ultimate mortgage calculator and comparison tool, in Spanish and for the Spanish market. Whether you're applying for your first mortgage or already have one and want to save, HipoTrack gives you clear figures so you can make informed decisions, negotiate with data, and avoid overpaying.

✨ FAST, OFFLINE, AND ADS-FREE

✅ Works offline: your data stays only on your phone
✅ No ads, no registration, no fine print

🆕 IF YOU'RE BUYING A HOUSE

• Fixed, variable, and mixed (French system) mortgage simulator
• Monthly payment, APR, real AER, interest, and total cost
• Breakdown of mortgage expenses: Transfer Tax and Stamp Duty depending on your region, VAT on new construction, appraisal, notary fees, registration fees, and administrative fees
• 💰 How much can I afford?: discover the home price you can afford based on your savings and income
• 📉 Euribor stress test: see how your payment increases if interest rates rise

🔑 IF YOU ALREADY HAVE A MORTGAGE (it's for you too!)

• 🔁 Mortgage transfer: calculate if it's worth it to move your mortgage to another bank
• ⏩ Early repayment: how much you save Paying off debt early, reducing the term, or lowering the monthly payment
• 🤝 Negotiation mode: Simulate a rate reduction or removing bundled products and see the savings instantly
• 🔗 Analysis of bundled products: Does that insurance really pay off if you want to lower the interest rate?

• 💬 Tips for renegotiating your mortgage (novation and subrogation)
⚖️ COMPARE AND CHOOSE THE BEST MORTGAGE
• Compare fixed, variable, and mixed-rate mortgages with the same data
• Smart ranking that weighs cost, monthly payment, APR, and flexibility
• Radar charts, cost breakdown, and cumulative cost over time
• Verdict that interprets your numbers and gives you clear advice

📁 GET IT ALL

• Track each bank's offers month by month
• Save, filter, and compare your mortgage simulations
• Export to PDF to take to the bank or to CSV/Excel
• Checklist of the documentation the bank will require
No matter where you are in the process: HipoTrack is your mortgage calculator, simulator, comparison tool, and pocket advisor. Go into your bank knowing more than anyone else. 🚀

🔎 Mortgage calculator · mortgage simulator · mortgage comparison tool · monthly payment · early repayment · mortgage transfer · Euribor · APR · fixed-rate/variable-rate mortgage · mortgage expenses · Property Transfer Tax (ITP) · Stamp Duty (AJD)

⚠️ HipoTrack is a general calculation tool and does not constitute financial advice. Actual terms and conditions vary depending on the lender.