The Mortgage Loan Reference Index (IRPH) is an interest rate used by some banks instead of the more common Euribor. Although it was presented as a more stable alternative, in practice, IRPH has proven to be more expensive, opaque, and harmful to consumers.

For years, thousands of people signed mortgages indexed to IRPH without receiving a clear and understandable explanation of how it worked. This has led to court rulings that acknowledge a lack of transparency in the marketing of these mortgages, opening the door to challenging IRPH and recovering significant amounts of money.

In short, you may be eligible to claim if:

• Your mortgage was fully or partially indexed to IRPH Entities, Savings Banks, or Banks.
• You did not receive clear information about how the index was calculated or how it would affect your payments.
• You signed the contract without comparing it to other indexes like Euribor.
• Your bank did not provide simulations or understandable explanations.

At BUFET GÓMEZ FERRÉ, as IRPH expert lawyers in Barcelona, we analyse each case and assess whether these conditions are met, with no initial cost to the client.

One of the most common questions is whether it is still possible to claim IRPH. The answer is yes, and it is important to act as soon as possible to avoid missing the opportunity due to statutory limitations.

You may be eligible to claim if you are:

• Individuals with active mortgages indexed to IRPH.
• Clients who have already cancelled their mortgage with IRPH, even years ago.
• Heirs of people with IRPH loans who are now deceased.
• Consumers who signed their loan without clear information or with a lack of transparency.

The law states that claims based on the nullity of abusive clauses do not expire. However, courts are adopting more restrictive criteria, and there is a risk that actions for lack of transparency may expire after 5 years from the cancellation of the mortgage or from when the effects of IRPH became known.

Recommendation: Don’t wait any longer. Initiating a consultation with an IRPH specialist lawyer is key to protecting your rights and avoiding the loss of the opportunity to recover your money.

Claiming IRPH is a technical process that requires deep knowledge of banking law, European jurisprudence and how Spanish courts interpret these matters. It’s not enough to know about mortgages: you need to know how to prove the lack of transparency and how to confront banks in court. At BUFET GÓMEZ FERRÉ, as a litigation law firm in Barcelona, we offer:

• Success-based fees: you only pay if you win.
• Claim for legal costs from the bank: it could cost you nothing at all.
• Proven experience in IRPH lawsuits before courts across Spain.
• Lawyers specialised in banking law and consumer protection.
• Personal, direct and professional service, with no intermediaries or impersonal platforms.

Moreover, with us your case is protected from the very first moment. We file claims safely, with a solid and personalised legal strategy.

At BUFET GÓMEZ FERRÉ, we stand out for our focus on IRPH claims on commission. Our working model is based on being success-based fee lawyers, meaning we shift the cost of our services to the opposing debtor, ensuring that our interests are fully aligned with yours, which drives us to maximise the effort in your claim.

When it is not possible to recover the fees from the debtor, we adapt our billing to our clients’ financial proposals. We follow a flexible low-cost policy, thus ensuring our services remain accessible and effective without compromising the quality of legal defence.