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Home›Loans & Mortgages›Mortgage Cancellation
Official calculator · RD 1426/1989 and RD 1427/1989 fee schedules

Cancel your mortgage 100% online

Free your property of charges without travelling. Get your quote instantly.

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
COMPLETE GUIDE

Paying off your mortgage does not remove it from the Registry: what is missing and what it costs

When you pay the last instalment, the economic cancellation takes place: the debt is extinguished and the bank can no longer claim anything from you. But the mortgage remains recorded as a charge on the property until the registry cancellation is carried out, and any land registry extract (nota simple) will keep showing it. To remove it, a deed of cancellation must be executed before a notary by an attorney-in-fact (apoderado) of the bank and then registered at the Land Registry (Registro de la Propiedad).

The owner normally does not have to sign anything before a notary: the party that appears is the bank, because it is the creditor who consents to the cancellation of its security. What is needed is someone to request the zero debt certificate (certificado de deuda cero), choose a notary office, coordinate the signing by the attorney-in-fact, file the tax self-assessment with the exemption and take the deed to the Registry. That is the work we do at Notario.org, a private company that coordinates the procedure with licensed notary offices throughout Spain.

Cancelling at the Registry is not compulsory, but leaving it pending tends to prove costly at the worst moment: when selling, because the buyer and their bank require the property to be free of charges; when applying for a new loan secured on the property; or when dealing with an inheritance or a gift. The more years go by, the harder it becomes to trace the loan, especially if your bank merged with another.

Notary: official fee
The deed of cancellation has a regulated fee (Royal Decree 1426/1989) with specific reductions for this document. It is the same at any notary office, and the calculator applies it to your capital.
Registry: registration of the cancellation
The registrar charges according to Royal Decree 1427/1989, also with a reduction for cancellations. If the mortgage comes from an absorbed entity, the registration of the succession in the security is added.
Tax: exempt from AJD
The deed of mortgage cancellation is exempt from the graduated rate of Stamp Duty on documented legal acts (AJD) (article 45.I.B.18 of the consolidated text of the tax law). Even so, as a general rule the self-assessment must be filed applying the exemption.
Management: full coordination
Requesting the certificate, coordinating with the bank and the notary office, filing the tax return and tracking the registration. It is the only item that is neither a fee nor a tax, and at Notario.org it is a fixed amount you can see in the calculator.

Situations that change the procedure

Your bank no longer exists
If the deed was signed with a savings bank or a bank that has since been absorbed, the cancellation is executed by the entity that succeeded it. That succession must be evidenced before the Registry, which is why the calculator adds an extra item when you choose an absorbed entity.
Very old, expired mortgage
Article 82 of the Spanish Mortgage Act (Ley Hipotecaria) allows cancellation due to lapse, at the owner's request, once the limitation period for the mortgage action has elapsed (as a general rule, twenty years from maturity) plus one year without the Registry showing any renewal, interruption or enforcement. We check whether your case qualifies before asking the bank for anything.
The loan was sold to a fund
Some mortgage loan portfolios have been assigned to investment funds. In that case, the party signing the cancellation may not be the bank but the fund or the company that manages its portfolio. We check this in the registry extract and with the entity before requesting the certificate.
You are selling the property with debt outstanding
If you still owe capital, it is paid off with the sale proceeds on the day of signing and the cancellation is processed afterwards. The bank issues a debt certificate as at a specific date so that the figures add up at the notary office.

Guides by bank

Each bank has its own process for issuing the certificate and sending its attorney-in-fact, and it carries the mortgages of the entities it absorbed. If your mortgage is with one of these banks, see its specific guide:

Cancel a BBVA mortgage → Includes Catalunya Caixa, Unnim and the former Argentaria entities. Cancel a Santander mortgage → Includes Banco Popular, Banco Pastor, Banesto and Banif. Cancel a Sabadell mortgage → Includes CAM, Banco Guipuzcoano, Banco Gallego and part of Caixa Penedès.

Frequently asked questions about mortgage cancellation

Economic cancellation happens when you pay the last instalment or repay all the capital: the debt disappears. Registry cancellation removes the mortgage from the Land Registry by means of a notarial deed and its registration. Without the second, the property still appears encumbered even though you owe nothing.
Generally not. The deed is executed by the bank through its attorney-in-fact, because it is the creditor who consents to the cancellation. You entrust the procedure to us and receive the copy and the final registry extract without travelling.
The zero debt certificate must be provided free of charge and, according to the Banco de España (Bank of Spain), the bank cannot charge you a fee for sending its attorney-in-fact to the notary office either. What may have a cost is the processing agency (gestoría) if you hire it through the bank; you are free to choose who handles it.
That is a different matter: it is paid, where applicable, when the loan is repaid early, not when cancelling at the Registry. For loans to individuals signed from 16 June 2019, Law 5/2019 caps it: on variable rates, a maximum of 0.15% of the capital repaid during the first five years or 0.25% during the first three, depending on what was agreed; on fixed rates, 2% in the first ten years and 1.5% thereafter. It can never exceed the bank's financial loss.
It depends mainly on how long the bank takes to issue the certificate and to set a signing date with its attorney-in-fact. Once the deed is filed, the Registry has a legal period of fifteen working days to register it (article 18 of the Spanish Mortgage Act), unless a defect needs to be remedied.
Yes. As the owner does not usually have to appear, the whole file is handled remotely: certificate, signing by the bank's attorney-in-fact, tax and Registry. We only need your instruction and the documents we ask you for by email or WhatsApp.
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."

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 +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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