A minimum property price of € 150,000 is required.

A minimum loan amount of € 100,000 is required.

In order to deal with your case, we will contact with you using the telephone number, email address and name that you have given us. We will use these details at UCI ("Unión de Créditos Inmobiliarios S.A E.F.C.") only to contact you and reply to any queries or requests for information that you might raise with us. We will not retain or use them for any other purpose, and (unless we are entirely obliged), will not provide them to anyone else.Should you wish to find out more with regard to the legal aspects of this procedure, and in particular how we protect your privacy, click here


This website is the property of UNIÓN DE CRÉDITOS INMOBILIARIOS, S.A. E.F.C ("UCI"), and is registered in the special Bank of Spain Register under the no. 8512, and subject to its supervision. A Credit Financial Institution registered with the Trade Register of Madrid in Volume 11266, Folio 164, Section 8, page no. M-67739, Entry 344. Spanish tax ID A-39025515. Sole Proprietorship.

Registered Address: C/ Retama, 3, 28045, Madrid.
Tel.: 91 337 37 37
Fax: 91 337 37 38

Simply accessing this website means you know and agree to the following terms and conditions. Therefore, we recommend you read the content herein if you wish to access and use the information and services offered from this site. 


1.1 These are the general terms (hereinafter the "General Terms") regulating the access, browsing and use of the website under the domain www.ucimortgages.com (hereinafter the "Website").

1.2 It shall be understood that access or the mere use of the Website by the user implies acceptance of the General Terms UCI has published and which shall be available for users. 

1.3 To this end, "User" shall mean the person who accesses, browses, uses or participates in the services and activities, whether for free or for payment, developed at the Website. 


2.1 UCI is the holder or, where applicable, has obtained the corresponding commercial operation permit of all the intellectual and industrial property rights and image rights to any work, feature of any type or content accessible to the public from the Website. 

2.2 The intellectual and industrial rights and image rights belonging to UCI include the images, videos, texts, trademarks, recordings and graphic and/or audio-visual content of any kind made available to the public via the Website. 

2.3 As a result, modifying, copying, re-using, exploiting, reproducing, publically disclosing, second or later publications, loading files, sending via email, transmitting, using, processing or distributing in any way either all or part of the Website content is prohibited without express, written authorisation from UCI or, where applicable, the holder(s) of the corresponding rights. 

2.4 Moreover, deleting, eluding or manipulating copyright notices or any other identification data relating to the rights of UCI or of the holders built into the content or in technical protection mechanisms, fingerprints or any information and/or identification mechanism the contain may contain is prohibited. 


3.1 Transmitting or sending any illegal or illicit content, computer viruses or messages which, in general, affect or violate UCI Group or third-party rights is prohibited. 

3.2 To this end, the User assumes all liability and undertakes to hold UCI harmless of any type of damage caused as a result of breaches committed by the User. 


4.1 UCI hereby warns you that the information that appears on the Website is valid as of the update. However, the UCI Group may modify the information and content of the Website when deemed appropriate. 

4.2 Moreover, UCI may modify the General Terms, either fully or partially, publishing any change in the same way as these General Terms or through any type of communicated addressed to Users. 

4.3 The effectiveness of these General Terms, therefore, coincides with the period of time they are displayed until they are fully or partially modified at which time the modified General Terms will enter into force. 

4.4 UCI may terminate, suspend or interrupt access to the page content at any time with no need for advance notification without any compensation of any kind for Users. After said extinction, the prohibitions of use of the Content previously displayed will continue to be valid. 


5.1 The User may find links to other websites on the Website via different buttons, links, banners, etc. which are managed by third parties. UCI is not liable in any way for any aspect related to the linked website. 

5.2 UCI does not authorise the establishment of a link to the Website from any websites containing illicit, illegal, degrading, obscene material, information or content or, in general, any that violates morality, public order or generally accepted social norms. 

5.3 UCI is not liable in any way for any aspect relating to any website that establishes links to the Website specifically but not limited to its functioning, access, data, information, files, quality and reliability of the products and services, own links and/or any of the content in general. 


6.1 This website uses cookies which are small files a website server sends to the user´s browser. For more information, read our Cookies policy. 


7.1 Personal Data Processing. The only personal data UCI will have access to are those provided by the user voluntarily. To this end, the user shall know that personal data will be requested in order to receive and register for some products/services offered via the website. In such cases and with respect to the data expressly indicated to the user/customer as such, access may not be given and said services and content may not be used if the data is not provided. Pursuant to current regulations, UCI has adopted the technical and organisational measures needed to maintain the required security level concerning the personal data processed. Moreover, it is equipped with the proper mechanisms within its reach to prevent to the extent possible any unauthorised access, theft, unlawful modifications and loss of data. Aspects relating to Users’ personal data processing due to the use of the Website are regulated in the Privacy Policy.


8.1 These General Terms & Conditions are governed by Spanish law. The Parties submit, at their choice, for the resolution of conflicts and with waiver of any other jurisdiction, to the Courts of the User’s place of residence. Likewise, as an entity that is registered with Confianza Online and in compliance with the terms of its Code of Ethics, in the case of disputes relating to online contracting and advertising, data protection and the protection of minors, the User may make use of the Confianza Online out-of-court controversy resolution system (www.confianzaonline.es).

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U.C.I. Unión de Créditos Inmobiliarios
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© UCI - Unión de Créditos Inmobiliarios S.A. (All rights reserved)


I hereby declare that all the information in this application is true, including data on assets, income and debt, and that the resources are totally mine/ours and are not subject to any charge other than the ones listed.

I hereby declare that the income and the personal contribution declared in this document come from legitimate activities not prohibited by law.

I hereby authorize any type of investigation to confirm the data submitted and for the granting of the loan.

I expressly authorize Unión de Créditos Inmobiliarios S.A. Establecimiento Financiero de Crédito (hereinafter, UCI), as regulated in Organic Law 15/99 of 13 December, on personal data protection, to include my/our personal data (including, where applicable, the email address) in an automated file and its processing, for the loan contract study, as well as the offer and taking out of the Entity’s products and services, even in the event of the loan contract not being formalized. I especially authorize the Entity to carry out all calculations, simulations and operations it deems appropriate with data provided by the applicant/s in order to obtain, through the processing of the data provided, together with the Entity’s risk analysis statistical systems, based on payment compliance probability calculations, a profile of the applicant/s regarding probability of meeting the payment of the transaction analysed. The data obtained from the applicant/s shall be considered as more data for taking the final approval or rejection decision.

I hereby declare I have been informed by UCI and authorize the entity to perform the corresponding enquiries, especially regarding the verification of solvency, through any financial solvency and creditworthiness files provided for in Article 28 of Organic Law 15/99 of 13 December, on personal data protection, with the purpose of analysing the solvency and viability of the transaction requested from UCI.

I expressly authorize UCI to send me commercial communications by electronic mail or by any other equivalent means of electronic communication, even in the event of the loan not being formalized or although the loan contract being subscribed may be terminated for any reason.

The party responsible for the file is Unión de Créditos Inmobiliarios S.A. Establecimiento Financiero de Crédito, with registered office in Madrid, calle Retama nº 3, 28045 Madrid, before whom you may exercise your rights of access, rectification, cancellation and opposition, or by email to: atencionalcliente@uci.com.

The signatory is informed and authorizes UCI -at calle Retama, 3, 28045, Madrid- to disclose his/her personal data to the following entities for the purpose of promoting their products*:

UCI, S.A. Address: calle Retama 3, 28045 Madrid. Activity: promotion, development and participation in companies and firms related to the real estate sector.

Retama Real Estate, S.A.U. Address: calle Retama 3, 28045 Madrid. Activity: Advisory services to companies, provision of telecommunications services and real estate sale and purchase.

(*) The personal data Subject may exercise his/her rights of access, rectification, cancellation and opposition regarding the processing for which the target entity is responsible at the corresponding address. 

The signatory also authorizes UCI to record the conversations held with the entity during the requested credit transaction approval process, all in accordance with current Data Protection legislation.