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Official calculator · RD 1426/1989 and RD 1427/1989 fee schedules

Cancel a BBVA mortgage: from the zero debt certificate to a charge-free registry extract

Also mortgages signed with Catalunya Caixa, Unnim or the Argentaria entities. Calculate the cost and we take care of everything.

CANCELLATION CALCULATOR

Outstanding mortgage capital

€

Enter the guaranteed capital stated in your mortgage deed

Which bank did you sign your mortgage with?

Select the entity named in your deed, even if it no longer exists: we will tell you who manages it today.

🏦 Absorbed entity: now managed by . The Registry will record an additional registration for the transfer of the mortgage (STS 475/2021); we have added it to the breakdown.

COST BREAKDOWN

Notary and processing (fees + VAT)

Land Registry: provision (fees + VAT)

Additional registration due to bank merger

Notario.org management (VAT included)

ESTIMATED TOTAL COST

Indicative quote with VAT included, calculated as a provision of funds according to the official fee schedules (RD 1426/1989, RD 1427/1989 and Law 8/2012). It is settled against the final notary and registry invoices: any surplus is refunded; any shortfall is justified.

Request cancellation →

Why this price?

Price set by law

The notarial fee for the cancellation is official (Law 8/2012): the same at any notary office in Spain.

Registry: half the fee

The cancellation is registered at 50% of the general fee (RD 1427/1989), the same across Spain.

Absorbed banks

If your bank was absorbed (Bankia, Popular, CAM…), there is an extra registration. The selector detects it automatically.

€0 in taxes

The cancellation is exempt from stamp duty (AJD): the return is filed but nothing is paid.

REGISTRY FEE (BASE)RATE

Up to €6,010.12€24.04 (fixed)

From €6,010.13 to €30,050.611,75‰

From €30,050.62 to €60,101.211,25‰

From €60,101.22 to €150,253.030,75‰

From €150,253.04 to €601,012.100,30‰

Above €601,012.100,20‰

WHAT THE SERVICE INCLUDES

Deed of mortgage cancellation

Digital signing by videoconference

Filing with the Land Registry

Full case tracking

Personalised advice

BBVA GUIDE

How a paid-off mortgage is cancelled with BBVA

BBVA is today the creditor of a large volume of Catalan mortgages and of loans signed decades ago with public banks that no longer exist. That is why the first step with BBVA is not requesting the certificate, but confirming which entity the mortgage was signed with and under which loan number it now appears in its systems. With that information clear, the zero debt certificate and the signing by the attorney-in-fact move much faster.

In a cancellation with BBVA you do not have to appear: the deed is signed by an attorney-in-fact of the bank before the chosen notary. We request the certificate, agree a date with the bank and the notary office, file the tax return with the exemption and follow the registration until the registry extract comes out clean.

Catalunya Caixa mortgage

Signed with Caixa Catalunya, Caixa Tarragona or Caixa Manresa, which formed CatalunyaCaixa. BBVA absorbed it and is now the party that executes the cancellation.

Mortgage from Unnim or a Vallès savings bank

Caixa Sabadell, Caixa Terrassa and Caixa Manlleu merged into Unnim, which BBVA bought in 2012. Note: Caixa Sabadell has no connection with Banco Sabadell.

Loan from the former Banco Hipotecario

Mortgages from Banco Hipotecario de España, Banco Exterior or Caja Postal passed to Argentaria and, through its merger with BBV, to BBVA. These are old loans for which it is worth checking whether cancellation due to lapse is already possible.

Recent early repayment

If you have just paid off your BBVA mortgage early, the loan is closed, but the charge remains recorded until the bank executes the deed.

The BBVA process, step by step

This is how we handle a cancellation with BBVA. Timescales depend mainly on the issue of the certificate and on the attorney-in-fact's availability, so we always give them as a guide.

1

Identify the loan

We review your deed and an up-to-date registry extract to find out which entity the mortgage was created with, its loan number and whether the Registry already shows BBVA as the holder.
2

Request the zero debt certificate

It is requested from BBVA, with your authorisation, through the branch or the manager in charge of the loan. It must certify that the loan is fully repaid and identify the property and the mortgage. It is free of charge.
3

Request the cancellation, not just the certificate

The certificate proves that you owe nothing, but it does not cancel. BBVA must be expressly asked to execute the deed of acknowledgement of payment and cancellation (carta de pago y cancelación) at the chosen notary office.
4

Signing by the BBVA attorney-in-fact

An attorney-in-fact of the bank appears and signs. You do not need to be present. If the loan comes from an absorbed entity, the deed sets out the chain of succession.
5

Tax and Registry

We file the self-assessment with the AJD exemption and take the copy to the Registry. We hand you the registry extract in which the mortgage no longer appears.

Entities whose mortgages BBVA cancels today

If your deed mentions any of these entities, the cancellation is executed by BBVA as successor:

CatalunyaCaixa (Catalunya Banc)

Formed from Caixa Catalunya, Caixa Tarragona and Caixa Manresa. Awarded to BBVA in 2014 and absorbed in 2016.

Unnim Banc

Brought together Caixa Sabadell, Caixa Terrassa and Caixa Manlleu. BBVA acquired it in 2012.

Argentaria

Combined Banco Exterior de España, Caja Postal and Banco Hipotecario de España, among others, and merged with BBV to form BBVA.

Banco de Bilbao and Banco de Vizcaya

Their merger gave rise to BBV, the direct predecessor of BBVA. The oldest deeds may name either of the two.

🏦If your deed names the former entity, you do not need to take any prior step: the BBVA attorney-in-fact appears as successor and the deed evidences the chain of mergers. The Registry records the succession in favour of BBVA, if not already recorded, and then the cancellation; that is why the calculator adds an extra item in those cases. One exception to bear in mind: in 2014, before passing to BBVA, Catalunya Banc transferred a portfolio of mortgage loans to a securitisation fund subscribed largely by Blackstone. If your loan was in that portfolio, the cancellation may not fall to BBVA, and we check this before starting anything.

Common problems with BBVA and how we solve them

The certificate does not arrive

This is the most frequent complaint. We keep a written record of every request, with the loan number and the holders, and if it drags on we escalate through the formal channels, including the bank's customer service department.

You are no longer a BBVA customer

If you closed your accounts years ago or the mortgage was with Catalunya Caixa or Unnim, the bank may ask you for more documents to prove identity and ownership. We prepare them with you before the request so as not to lose weeks.

You are only given a balance letter

A letter stating that the loan is paid is not enough for the Registry. We expressly request the appearance of the attorney-in-fact to execute the deed of cancellation.

Caixa Sabadell is not Banco Sabadell

Many people chase Banco Sabadell for a Caixa Sabadell mortgage. That savings bank ended up in Unnim and now belongs to BBVA; we clarify this with the registry extract from day one.

Frequently asked questions about cancelling with BBVA

A BBVA attorney-in-fact. The cancellation is an act of the creditor, so the owner of the property does not need to sign. We coordinate the date with the bank and with the notary office.

BBVA, which absorbed Catalunya Banc. If the Registry still shows Caixa Catalunya, Caixa Tarragona or Caixa Manresa, the deed will evidence the succession and the Registry will record it before cancelling.

Before its sale to BBVA, Catalunya Banc transferred a loan portfolio to a securitisation fund. If yours was included, the party that must sign may be the fund or its management company rather than BBVA. We verify this before requesting the certificate.

It is BBVA. Both savings banks, together with Caixa Manlleu, formed Unnim, which BBVA acquired in 2012. Banco Sabadell is a different entity.

Yes, and it must be free of charge. If you entrust the procedure to us, we request it with your authorisation and make sure that, in addition to the certificate, the bank agrees to execute the deed of cancellation.

No. You can choose the notary office and the agent freely. If the bank offers to process the cancellation, ask first what it will charge for the service, because notary and Registry fees are the same everywhere.

There is no fixed period: what varies most is the issue of the certificate and the attorney-in-fact's availability, and after that the Registry has fifteen working days to register. For very old loans or loans from absorbed entities we allow extra time to trace them. We give you an estimate after reviewing your registry extract.

Yes. With the mortgage already paid off, the zero debt certificate proves that no debt remains, and the buyer usually requires the cancellation to be processed straight away. We coordinate both transactions so that the charge does not delay the sale.

HOW WE WORK

From your request to a property free of charges

The whole process, without leaving home

TODAY · 2 MIN

Enquiry and quote

We confirm the exact cost for your capital and your bank. No obligation.

1–2 WEEKS

Zero-debt certificate

We request it from your bank for you. It is free by law.

2–5 DAYS

Signing of the deed

The bank's attorney-in-fact signs the cancellation before a notary.

2–4 WEEKS

Land Registry

We file the deed and track the registration.

PROCEDURE COMPLETE

Property free of charges

You receive the deed and the registry extract, mortgage-free.

REVIEWS OF THIS SERVICE

Clients who already cancelled their mortgage

★★★★★ 4,8 / 5 · verified reviews

★★★★★ ✓ VERIFICADA

"Mi hipoteca estaba pagada desde hacía 5 años pero nunca completé el trámite. Cuando quise donar el piso a mi hija seguía apareciendo hipotecado. Notario.org me lo solucionó todo online en 3 semanas."

Antonio R. 🇪🇸

Cancelación de hipoteca · Barcelona

★★★★★ ✓ VERIFICADA

"El servicio online superó nuestras expectativas. Todo fue rápido, claro y sin complicaciones. El notario nos guió paso a paso y recibimos el documento certificado en tiempo récord."

Ana P. 🇪🇸

Cancelación de hipoteca · Valencia

★★★★★ ✓ VERIFIED

"We sold our holiday home and the old mortgage was still on the registry. Everything was handled remotely from London: deed, registry filing, the lot. Superb."

David H. 🇬🇧

Mortgage cancellation · holiday home in Málaga

★★★★★ ✓ VERIFICADA

"Necesitábamos este trámite con urgencia para vender y Notario.org cumplió perfectamente. Te mantienen informado en todo momento y el proceso es completamente transparente."

Miguel R. 🇪🇸

Cancelación de hipoteca · Sevilla

★★★★★ ✓ VERIFIZIERT

"Die alte Hypothek unserer Wohnung auf Mallorca war nie gelöscht worden. Alles lief per Videokonferenz: transparent, schnell und mit festem Preis."

Sabine K. 🇩🇪

Hypothekenlöschung · Wohnung auf Mallorca

★★★★★ ✓ VERIFICADA

"Realizar este trámite desde casa fue una excelente decisión. Me ahorraron tiempo y dinero en desplazamientos, y el documento fue aceptado sin problemas en el Registro."

Patricia L. 🇪🇸

Cancelación de hipoteca · Bilbao

★★★★★ ✓ VÉRIFIÉ

"Notre banque avait été absorbée et personne ne savait qui gérait l'hypothèque. Ils ont tout identifié, préparé l'acte et géré le registre. Impeccable."

Céline M. 🇫🇷

Mainlevée hypothécaire · appartement à Alicante

★★★★★ ✓ VERIFICADA

Antonio R. 🇪🇸

Cancelación de hipoteca · Barcelona

★★★★★ ✓ VERIFICADA

"El servicio online superó nuestras expectativas. Todo fue rápido, claro y sin complicaciones. El notario nos guió paso a paso y recibimos el documento certificado en tiempo récord."

Ana P. 🇪🇸

Cancelación de hipoteca · Valencia

★★★★★ ✓ VERIFIED

"We sold our holiday home and the old mortgage was still on the registry. Everything was handled remotely from London: deed, registry filing, the lot. Superb."

David H. 🇬🇧

Mortgage cancellation · holiday home in Málaga

★★★★★ ✓ VERIFICADA

"Necesitábamos este trámite con urgencia para vender y Notario.org cumplió perfectamente. Te mantienen informado en todo momento y el proceso es completamente transparente."

Miguel R. 🇪🇸

Cancelación de hipoteca · Sevilla

★★★★★ ✓ VERIFIZIERT

"Die alte Hypothek unserer Wohnung auf Mallorca war nie gelöscht worden. Alles lief per Videokonferenz: transparent, schnell und mit festem Preis."

Sabine K. 🇩🇪

Hypothekenlöschung · Wohnung auf Mallorca

★★★★★ ✓ VERIFICADA

"Realizar este trámite desde casa fue una excelente decisión. Me ahorraron tiempo y dinero en desplazamientos, y el documento fue aceptado sin problemas en el Registro."

Patricia L. 🇪🇸

Cancelación de hipoteca · Bilbao

★★★★★ ✓ VÉRIFIÉ

"Notre banque avait été absorbée et personne ne savait qui gérait l'hypothèque. Ils ont tout identifié, préparé l'acte et géré le registre. Impeccable."

Céline M. 🇫🇷

Mainlevée hypothécaire · appartement à Alicante

Your property free of charges, without travelling

Fixed quote · Provision of funds settled against invoices · Full tracking

Request via WhatsApp +34 930 485 101

YOUR CANCELLATION QUOTE

🏦 Mortgage:

Notary and processing

Land Registry (provision)

Additional registration due to bank merger

Notario.org management

Estimated total cost

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Cancel a BBVA mortgage: from the zero debt certificate to a charge-free registry extract

How a paid-off mortgage is cancelled with BBVA

The BBVA process, step by step

Entities whose mortgages BBVA cancels today

Common problems with BBVA and how we solve them

Frequently asked questions about cancelling with BBVA

From your request to a property free of charges

Clients who already cancelled their mortgage

Your property free of charges, without travelling

Request your Mortgage Cancellation