Thousands of mortgage holders in Spain are still unaware that they have the right to claim these amounts following rulings by the Court of Justice of the European Union and the Supreme Court.

At BUFET GÓMEZ FERRÉ, a firm of expert lawyers in mortgage expense claims in Barcelona, we help you recover your money with full legal guarantees.

We offer a free initial consultation to study your case and guide you through the entire process, whether through out-of-court or legal means. Don’t let your right expire: claim your mortgage expenses with our professional support.

If you took out a mortgage before the entry into force of Law 5/2019, it is very likely that you paid a series of mortgage-related expenses which, according to the latest jurisprudence, can be claimed from the bank for being considered abusive. The Supreme Court and the CJEU have ruled that certain clauses forcing the consumer to bear all the costs of setting up the mortgage loan are null and void, and therefore, the consumer has the right to recover what was unduly paid.

At BUFET GÓMEZ FERRÉ we help you claim your mortgage expenses with full legal guarantees. These are the items that can typically be recovered:

• Notary fees: 50% of the cost of the mortgage deed.
• Property registry fees: 100% of the amount paid to register the mortgage.
• Administrative agency fees: if imposed by the bank, 100% can be claimed.
• Property appraisal: depending on the specific case, it can be included in the claim if it was unilaterally required by the bank.
• Copies of deeds: if imposed on the client, they can also be claimed.

Important: Purchase-related costs (such as those linked to the purchase contract between buyer and seller) are not claimable, as they are not part of the mortgage loan contract but rather of the property transfer.

Our team analyzes each case individually, based on the latest court rulings and the most up-to-date interpretations from the courts.

Any individual who signed a mortgage in Spain, especially before 2019, may be entitled to claim mortgage expenses as long as:

• They assumed these expenses in whole or in large part due to the bank’s imposition.
• They retain the original documentation of the loan and related payments.
• The legal limitation period for filing the claim has not expired.

Currently, the limitation period has been clarified following the latest rulings by the Supreme Court. In general:

• The period starts from the moment the consumer becomes aware that the clause is abusive, that is, from the ruling declaring it null.
• For many mortgages, this means that there is still time to claim, but the window is getting narrower, so acting urgently is recommended.

Claiming mortgage expenses in 2025 is still possible, but one should not delay further. At BUFET GÓMEZ FERRÉ we will study your case for free and determine if you are still on time.

Although generic online claim forms exist, experience shows that working with a specialized law firm makes the difference. At BUFET GÓMEZ FERRÉ, we work from Barcelona with clients throughout Spain, offering a close, professional, and results-oriented service.

These are the advantages of working with our legal team:

• Success-based model: We only charge if you win. In many cases, court costs are charged to the bank, so the client recovers their money without additional expenses.
• More legal guarantees: We present your case with the strongest and most up-to-date legal arguments based on the Supreme Court and CJEU jurisprudence.
• Experience in litigation against banks: We are litigation lawyers specialized in defaults and claims against financial institutions, with a high success rate.
• Comprehensive assistance: We take care of the entire process, from the first consultation to the final recovery of amounts.
• Personalized and fast service: We respond in less than 24 hours and keep you informed at every step of the procedure.

At BUFET GÓMEZ FERRÉ, we differentiate ourselves through our focus on mortgage expense claims on commission. Our working model is based on being contingency fee lawyers, meaning we charge the opposing debtor the cost of our intervention, ensuring that our interests are fully aligned with yours, which drives us to maximize the effort in your claim.

When it is not possible to charge fees to the debtor, we adapt our billing to our clients’ financial proposals. We rely on a flexible minimum cost policy, thus guaranteeing that our services are accessible and efficient without compromising the quality of legal defense.