Hello!
I'm Óscar Habas, and I've been in the financial sector for over 25 years, always with the same passion for what I do. I lead UCI's mortgage business in Catalonia, the Canary Islands, Valencia, Aragon, and part of Madrid. But beyond the numbers and markets, my job is to build strong relationships, both with my team and with our partners: financial intermediaries, digital partners, and the traditional channel. Because this business isn't just about mortgages, but about people who trust us to make one of the most important decisions of their lives.
I've held various roles at UCI, from agency director to head of hipotecas.com in Barcelona, and in all this time I've seen how the sector has completely changed, especially since the introduction of the LCCI. The real estate transformation and the rise of mortgage brokerage have made our role more relevant than ever. We not only facilitate access to housing, we also guarantee stability. And that's only possible when we listen, understand, and find the best solution for each case.
Because no two clients are the same. I don't believe in standard solutions, but rather in tailoring financing to each individual, with realism and responsibility. There are times when we can say "yes" and help fulfill a dream, and others when we have to say "no" because what we can offer the client isn't the best option for their future. And we're there for them too, because a mortgage is a long-term commitment and must be approached wisely.
I've always believed in the value of a team, perhaps because I've been part of them my whole life. I've managed many commercial and sports teams, and in both, one thing never changes: shared effort, communication, and trust make the difference. In a team, everyone has their role, but we're all pulling toward the same goal. Sometimes you win, sometimes you learn, but the important thing is to rise together. As captain, my role has always been to motivate and boost morale in difficult times, and today, leading commercial teams, I still feel that same responsibility.
Because, in the end, managing a team isn't just about leading; it's about supporting, inspiring, and getting everyone to give their best. And the same goes for our partners. A true relationship isn't based solely on results, but on trust, on knowing that we're there to contribute and build together. And that's, without a doubt, the part of my job I enjoy most.