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clientes@uci.com · 912 06 37 95
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Call us
Client
clientes@uci.com 912 06 37 95
L-V de 10.00 a 18.00h
Not Client
cuentanos@uci.com 912 06 37 90
L-V de 10.00 a 18.00h
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Apply for mortgage
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MORTGAGE WITH REFORM

Mortgages to renovate your home. With or without purchase

Whether you buy your house or not, the important thing is that you have a mortgage to renovate it.
Apply for your mortgage

  • Our COMPRAYREFORMA mortgage has been chosen as one of the 100 most innovative ideas of 2025 by Actualidad Económica (El Mundo).

Mortgages with renovations: two ways to make your house like new

Listening to each person allows us to offer you financing that adapts to your needs.

  • If you're going to buy a house that you like on the outside, but the inside needs a change, your mortgage is called BUYANDRENOVATE.

  • You want to give your house a facelift, and we have a loan to renovate it. We're talking about RENOVATION.

  • Si te vas a comprar una casa que te gusta por fuera, pero por dentro necesita un cambio, tu hipoteca se llama COMPRAYREFORMA.
  • Tú quieres darle un lavado de cara a tu casa y nosotros tenemos un préstamo para reformarla. Hablamos de REFORMA.
Calculate your monthly payment

Why COMPRAYREFORMA and REFORMA stand out from the standard

  • Financing and reform, hand in hand

    As the work progresses, we will provide you with the amount you need.

  • sencillodecontratar

    All in one loan

    There is strength in numbers: buy and renovate your home in a single payment.

  • seguropagos

    You only pay interest.

    While the renovation is underway, you only pay interest and the appraiser's progress certificates.

  • Client

    Wherever you go, we'll be with you.

    With you from the moment you hire us. With you until the project is finished.

testimonial mario y ana

Mortgages with a life of their own

Mario and Ana searched all over Madrid until they found the house they wanted. Do you know what the most important thing is in a renovation? They'll explain it to you!

This was their story

We know that each person has their own interests.

  • tipo mixto
    There's time for everything.

    Mixed Mortgage

    Fixed interest rate for the first 5-7 years (as you choose), and variable for the rest of your mortgage.

  • tipo variable
    Your thing is to let yourself go.

    Variable Mortgage

    Fixed interest rate for the first year, and up to 29 years term at variable interest (at the rate of the Euribor).

Required documentation
Product

About you

These are some of the details we need to process your mortgage:

  • Identity document in PDF format.
  • Last 3 payslips in PDF format.
  • Updated work history.
  • Employment contract in force.
  • Current full address.
  • Last tax return.
  • Are you renting? Please tell us your monthly rent.

Calculate how much you would pay per month

  • Please review all documentation related to this mortgage.

Frequently asked questions about COMPRAYRENOVA and RENOVA mortgages

  • This loan is designed for when you already own your home but want to renovate it . Unlike a personal loan, you finance the renovations using your property as collateral. This allows you to have a grace period during the renovations (up to 1 year).
  • We make your life easier. Instead of having a mortgage for the house and a separate personal loan for the renovations, we combine the purchase and the renovation into a single mortgage . You'll have just one monthly payment and one interest rate.
  • No , we want to make it easy for you. During the renovation, you have up to 12 months of interest-free period. This means that, while the work is underway, you'll pay a manageable monthly installment (you only pay the interest) to ease your financial burden until your home is ready.

  • You have two options:

    1. Have it ready before applying for the mortgage.
    2. If you haven't had time, you have a 90-day (3 months) window from the signing of the mortgage to send it to us, and thus activate the financing for the renovation.
  • You are responsible for paying the contractor . UCI will deposit the loan money into your account so you can pay the invoices as the work progresses.

  • The loan will be disbursed in different installments :

    1. First, we give you an initial part to start the renovation work.
    2. As the reform progresses, we will provide you with the remaining provisions. The progress of the reform is certified by an appraiser.
    3. We will deliver the final installment (15% minimum) when the renovation is complete.
  • A certified appraiser will verify the progress of the work through regular visits . This will benefit you in two ways: it allows you to receive updates and gives you the peace of mind that what you're paying for is actually being done on your property.
  • You are free to choose any renovation company you prefer . We only ask that they have the financial stability and technical expertise to ensure your project complies with current regulations.
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Get more information about our mortgages with REFORMA

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You still have a lot to learn about your mortgages

Read our articles

28 May 2025

Energy savings in homes
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23 Apr 2025

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Rehabilitation

Your mortgage benefits from insurance.

BUY AND RENOVATE mortgage and RENOVATION, and everything else you might need

  • Envelope

    Let's study your case

    If you are a client, email clientes@uci.com or call +34 912 06 37 95. If you are not yet a client, email cuentanos@uci.com or call +34 912 06 37 90.

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    We are made of flesh and blood.

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All insurance is mediated by Unión de Créditos Inmobiliarios, SA, Establecimiento Financiero Crédito, Operador de Banca-seguros Vinculado. Registered office at Calle Amaltea, 32, 1º, 28045, Madrid. Company registered in the Mercantile Registry of Madrid, Volume 29,491, Book 0, Folio 174, Section 8, Sheet M. 67,739. CIF A39025515. Registered in the Registry of the General Directorate of Insurance and Pension Funds with no. OV-0076. The mediator has Professional Civil Liability Insurance and financial capacity as established by current legislation.

SANTANDER Seguros y Reaseguros, Compañía Aseguradora, S.A. Av. De Cantabria, S/N. 28660, Madrid. CIF A46003273. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with code C0037, in life insurance, permanent total disability insurance and home insurance.

CARDIF Assurance Vie, Branch in Spain. Calle de Emilio Vargas, 4, 3rd Floor, 28043, Madrid. CIF. W0012421D. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with the code E0129, in life insurance and permanent total disability.

CARDIF Assurances Risques Divers, Branch in Spain. Calle de Emilio Vargas, 4, 3rd Floor, 28043, Madrid. With CIF. W0012420F. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with the code E0130, in temporary disability and unemployment insurance and home insurance.

GENERALI Seguros y Reaseguros, SAU Paseo de las Doce Estrellas, 4, 28042, Madrid. CIF. A48037642. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with the code C0467-G0056, in life and permanent total disability insurance and in home insurance.

CAJA DE SEGUROS REUNIDOS, Insurance and Reinsurance Company, SA (CASER), Avenida de Burgos, 109, 28050, Madrid. CIF A28013050 Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with code C0031, in life and permanent total disability insurance and in home insurance.

ZURICH VIDA, Compañía de Seguros y Reaseguros, S.A., Paseo de la Castellana, 81, 22nd floor, 28046, Madrid, CIF. A08168213. Registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds with code C0039, in life insurance and permanent total disability.