Get the best conditions for your new mortgage

Banks will compete to offer you the best conditions. Fast, online and free!

Register now

The only platform where banks compete for you

(The secret is in the auction)

We are not a mortgage comparison site. The bids you receive are 100% real, offered by banks and brokers from all over the country.

No more having to visit banks individually to see what they can offer. With our tool, you apply once, and the banks will compete with each other to give you the best offer.

Fast, online and totally free!


How we get the best mortgages

Introduce yourself

We’ll only need your ID card.

Our software connects with the relevant organizations to obtain your CIRBE, employment status, income, and all other necessary paperwork. We will treat your information confidentially and securely.

Is there a better

Banks have 3 days to bid for you.

When you register you will have access to a dashboard where you can follow the evolution of your mortgage in real time and see how its conditions improve. You will be able to compare between multiple real offers without fine print!

Choose the best mortgage

You can accept a bid at any time, and stop the auction, or wait for the 3 days to end and choose a winner!

Only then will we share your contact information with the winning bank or broker, so that you can proceed with the mortgage procedures.

Formalise your new mortgage

Once you have chosen the mortgage that better suits your interests, the bank or broker will contact you to proceed with the next steps to formalise the loan.

Transparent, simple and fast!

The mortgage you want, in the bank of your choosing

*this font is very large because we don’t believe in small print

More reasons to trust Colibid

Yes, even more.

Your time is also important

Your duties do not start at 09:00 and finish at 14:00, and you can't afford to spend weeks waiting for someone to assist you either!

With Colibid you can get the best mortgage conditions in just 3 days. Without visiting banks, without queuing, and without waiting.

You’re not asking for a favour

A mortgage is a financial service that you will pay for; it is not a favour.

For 3 days you will see how banks are the ones who compete with each other to give you the best conditions, without you having to wear yourself out in negotiations.

It’s free

We believe that there’s a better way of doing things: a fair and respectful way to allow everyone to own a home.

That’s the reason why we do not charge our clients anything, our commission is paid for by the banks

They’ve already tried it

and they’ve already bought a house in Spain

Sergio Muñoz y Carla Colomar
38 y 36 years old

Thanks to Colibid we were able to choose the offer that best suited our preferences, without paperwork or complications. They manage to make a bureuacratic issue accessible and easily understandable.

Fixed rate: 3.4%
>4 years mortgage
Up to 5,000€ saved

Adriana García
32 years old

The fact that you choose the bank rather than the bank choosing you is a real bonus! Using Colibid has been a great decision, allowing me to be the one who chooses what suits me best out of the several offers.

Fixed rate: 2.9%
>3 years mortgage
Up to 3,000€ saved

Pedro Martínez
35 years old

Getting a mortgage is like going through hell, so when I learned about Colibid, a new door opened up for me. The whole process is a lot simpler, faster and more efficient. What a discovery!

Fixed rate: 3.5%
>5 years mortgage
Up to 6,000€ saved

Lucía González
30 years old

With salaries as low as they currently are, it’s really hard to find a mortgage. The best thing about Colibid is that it gives you realistic options without further ado than simply registering. It has saved my life.

Fixed rate: 2.3%
>2 years mortgage
Up to 2,000€ saved

You’re only a step away from finding the right mortgage

Register now


Questions that you surely ask yourself before getting a mortgage

What expenses does getting a mortgage entail?

Today’s your lucky day! Not that long ago, this answer would have been longer, but thanks to the legislative reform of the mortgage law of 2019, you will only have to pay for the simple note of registration of property, the valuation of the property, and the bonds.

The AJD taxes, the notary's office, the land registry, and the agency, are paid for by the bank where you open the mortgage.

What percentage of the mortgage can I borrow?

Banks generally grant up to 80%, but this can depend on different factors, including the purchase value of the property. For certain profiles and operations, financing rates of 90% or even 100% can be obtained.
Brokers or intermediaries can obtain higher financing percentages, or better conditions than a private individual, as they have a higher volume of operations and agreements with the banks.

How much does it cost to use Colibid?

Nothing! Our service is completely free of charge and with no strings attached.
Our fees are paid for by the banks. Some brokers may also ask for a commission for their services, but not all of them do and will definitely not charge anything if their offer is not the best. You’ll always have the last word!

How is Colibid different to a mortgage comparison site?

The bids you receive at the Colibid auction are real mortgage offers from certified banks and brokers. Therefore, all bids are 100% real and fully customised for you. In contrast, mortgage comparison sites only offer approximate results of the conditions that your mortgage could have, based on generic offers put forward by banks.

How many offers will I receive?

The bids you receive at the Colibid auction are real mortgage offers from certified banks and brokers. Therefore, all bids are 100% real and fully customised for you. In contrast, mortgage comparison sites only offer approximate results of the conditions that your mortgage could have, based on generic offers put forward by banks.

Most of our clients usually receive more than 4 different mortgage offers, but it really depends on how attractive your profile is to the banks. There are clients who receive more than 15 different offers, and other people who, unfortunately, don't receive any bids at all...
We don’t interfere in the natural course of the auction.

Can I use Colibid to get a mortgage as a freelancer?

Of course! Just let us know, by indicating that you are self-employed on the mortgage application form, and we’ll do the rest.

What type of mortgage can I ask for?

You can apply for a new mortgage or improve the conditions of the one you already have (either by subrogating your loan or by taking out a new mortgage and paying off the old one).
Unfortunately, our service does not offer self-promoting loans, but sign up for our newsletter! We are working on it and will let you know as soon as they are available.