If you have  Spanish Mortgage – You have a claim

over 40 Spanish Banks owe billions of euros


What is a Clausula Suelo or Floor Clause?

It is a clause in a Spanish tracker mortgage agreement that requires you to pay a minimum interest rate, even when the interest rate that the mortgage is tracking – such as the Euribor – is lower.

This means that you could be paying thousands of Euros more than you should be, and the European Court of Justice and the Spanish Supreme Court has agreed that these clauses are abusive and you are entitled to make a claim.

What is the average claim?

It depends on many different factors but the average claim for our customers is about 12,000 Euros

Regardless, the money you receive back is simply whatever you have overpaid, plus the legal amount of interest on that money. If you are unsure, get in touch with our claims team and we can do a FREE assessment and find out what you are owed.


Who can make a claim?

Anybody who at some stage has had a Spanish mortgage. It does not matter if you still pay the mortgage, have paid it off or even have sold the property, you can still claim back the money you overpaid!

What paperwork is needed to check if I have a claim?

Just a mortgage statement. If you have the mortgage deed then great, but if you have a mortgage statement showing the breakdown of capital and interest then we can normally see if you were overcharged.

Get a full and FREE assessment

Once we have the relevant paperwork, our legal team who are experts at bank claims! Will assess your claim and explain what you are owed and the full procedure.

Making a claim against a financial institution in a foreign language
can be difficult and frustrating, we are here to simplify the process!

My Documents

Your documents will be used to find out how much you can claim

Documents you need

All we need to check/submit the claim is a copy of a recent mortgage payment. If you would like us to properly calculate then the claim we will need the mortgage deed.

How much can I claim?

You can claim for the life of the mortgage

All overpaid interest

It all depends on the value of your mortgage & the floor clause rate. Regardless every penny you have overpaid + legal interest will be returned

What does Rapido charge?

Lowest in the industry

Our Fee

15% of the final claim amount with a €199 admin fee. Most companies charge 20% – 30% and will ask for a provision of funds. Our services are 100% transparent


why choose Rapido Claims?


We take pride in offering an un-rivalled service for all of our clients regardless of the size of the claim


Our dedicated claim managers and legal team ensure we treat each claim in accordance to the current law


All of our team are fluent in English. We speak your language and 80% of our clients are from the UK or Ireland


All clients are aware of what we are doing and why we do it. A clear process is laid out with time frames and costs with no hidden surprises


All clients details are securely stored within out internal systems so when we are contacted we can provide a full update


While we charge for claim submissions our original consultancy is free and we provide a no obligation claim review at the outset


A dedicated claim manager will be applied to each case so all clients have the same point of contact through the life of the claim


Our fees are the lowest in the industry (15% of overall claim), in many cases less than half of what other providers charge


Our team are fully qualified lawyers and all registered with the Malaga Bar association and can operate anywhere in Spain

Power of Attorney Explained

Our Senior Claims Manager Gareth, has answered many questions over the years relating to Power of Attorney. So here are some of his thoughts on the subject. If you wish to make [...]

got a question? call an expert now on 0208 089 1945

A copy of a recent mortgage payment and a copy of the mortgage contract. If you do not have the contract our claims team can request it for you

Since the Royal Decree which came into effect in January 2017. The bank must respond to a claim within 12 weeks of submission. If they do not, then we will submit a case file to the court. In most cases this is when the bank will pay, if not then they are due all court costs which will mean an extra 30-40% for them to pay. In reality most cases will be completed in 4 months.

Our fees are the lowest in the industry at 15% of the final claim amount with a €199 admin fee. Most legal firms charge between 20% – 30% and most will ask for a a minimum fee. If you have been offered no win no fee, check the terms to be sure.