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HomeLoans & MortgagesCancel Santander Mortgage
Official calculator · RD 1426/1989 and RD 1427/1989 fee schedules

Cancel your Santander mortgage at the Land Registry

Registry cancellation with Santander, including mortgages originating from Popular and Banesto.

CANCELLATION CALCULATOR
Enter the guaranteed capital stated in your mortgage deed
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
SPECIALISTS IN YOUR BANK

Mortgages from Santander, Banco Popular and Banesto

Santander carries the mortgage portfolios of Banco Popular and Banesto, and each origin leaves a different documentary trail. We identify the entity your mortgage comes from, request the zero debt certificate through the correct circuit and coordinate the signing by the bank's representative until the property is free of charges at the Registry.

If your deed is from Banco Popular or Banesto, it is now managed by Banco Santander through universal succession: we trace the original portfolio and the Registry will record an additional entry for the merger, which the calculator already adds to the breakdown.

Paid-off Santander mortgage
Fully repaid but still recorded as a charge.
Mortgage from Banco Popular or Banesto
Absorbed portfolios whose certificate requires tracing the origin.
Preparing a sale
Leave the property clear before the buyer finances the purchase.
Refinancing
Free up borrowing capacity by removing a charge that is already paid.

Frequently asked questions about cancelling with Santander

Yes. Santander took over both portfolios through universal succession and each origin keeps its own documentary trail. The first step of the work is determining which entity your mortgage comes from, because the certificate is requested through different routes.
It is common: old mortgages from absorbed entities do not appear in the usual retail systems. We know which department to send the request to depending on the origin of the loan.
The zero debt certificate is free of charge. Processing the procedure may have a cost if you entrust it to the bank; you are free to hire whoever you prefer.
None: mortgage cancellation is exempt from stamp duty (AJD). You only need to file form 600 with the exemption applied, and we do that for you.
Between 15 and 30 working days in a standard case; somewhat longer if a very old Popular or Banesto mortgage needs to be traced. We confirm it once we locate the loan.
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

★★★★★ 4,7 / 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."

A
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."

A
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."

D
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."

M
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."

S
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."

P
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."

C
Céline M. 🇫🇷
Mainlevée hypothécaire · appartement à Alicante
★★★★★ ✓ 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."

A
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."

A
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."

D
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."

M
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."

S
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."

P
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."

C
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 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

Request your Mortgage Cancellation

We contact you in under 2 hours

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