We simplify mortgage loans in Panama

We simplify your mortgage loan process in Panama. We handle everything, from finding the best mortgage with local banks to assisting you with the application and closing of the loan. Trust us to secure the best rates and terms for your real estate project in Panama.
Panama Casa

Access more than 30 Banks in Panama and get the best rates

BAC
Banco Aliado
Banco Delta
Banco General
Banco Lafise
Banco Nacional
Banesco
Banistmo
Bank of China
Banisi
Banvivienda
BCT Bank
Bi-Bank
Caja de Ahorros
Canalbank
Capital Bank
Citi Bank
Credicorp
Davivienda
Global Bank
Mercantil
Metrobank
MMG Bank
Multibank
Banco La Hipotecaria
Prival
Scotia Bank
St Georges Bank
Towerbank
Unibank

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About us

At Hipotekya, we're more than just a mortgage brokerage firm - we're your dedicated partner in reaching your real estate goals. With a drive for excellence and a focus on customer satisfaction, we aim to offer unmatched service and support throughout your mortgage journey.

Our story

Hipotekya was born from the realization that getting a mortgage in Panama could be challenging. The process was bogged down by paperwork and confusing regulations, making it tough for people to buy homes. We set out to change that.

Our goal was to simplify the mortgage process using technology. We aimed to create a straightforward platform that anyone could use. With a commitment to our customers and a desire to improve, we worked hard to make the mortgage process smoother and more transparent.

Today, Hipotekya is a testament to our dedication to helping people realize their dream of owning a home in Panama. With our user-friendly platform and personalized support, we're here to make the mortgage journey less stressful for everyone.

Our mission

At Hipotekya, our mission is clear: to help people and families buy property in Panama with ease and confidence. We understand time is valuable, so we work to provide quick and affordable mortgage options through Panamanian banks. We're here to guide you through the complexities of the mortgage market in Panama, making it easy to understand and giving you peace of mind. Think of us not just as a Mortgage Broker searching for the best interest rates, but as your partner in the process of buying real estate in Panama.

Our values

Integrity, transparency, and client satisfaction are the foundation of everything we do. We believe in building trust through honesty, professionalism, and open communication. Whether you're a first-time homebuyer or an experienced investor, you can rely on us to prioritize your needs and provide personalized service tailored to your unique situation.

Why choose Hipotekya

Choosing Hipotekya means gaining more than just a mortgage broker - you're gaining a trusted partner committed to your success. With our innovative technology, aka our Digital Platform that allows us to connect with all the banks in Panama and where documents are securely stored and can be electronically signed, along with personalized guidance and unwavering dedication to excellence, we're here to help you navigate the mortgage process confidently and achieve your homeownership goals.

How it works?

Complete the wizard

Complete the wizard

Enter the details of your project, including its price and your financial situation, in our wizard.
We search for lenders

We search for lenders

Our platform and advisors will search and select the best rates and conditions from our network of lending partners.
Sign your loan contract

Sign your loan contract

We guide you through every step, ensuring your loan gets approved by the financial institution seamlessly.

Frequently asked questions on mortgage loans and our services

We are the pioneering Fintech driving innovation in the mortgage broker profession. Founded by a visionary entrepreneur born in Switzerland and supported by a Latin team of experts in finance, we operate in Panama, specializing in assisting you in securing your mortgage loan and offering comprehensive support in various aspects of your relocation journey. Fluent in English, Spanish, and French.

Hipotekya is the go-to solution for anyone seeking a mortgage loan in Panama. Our expertise extends beyond mortgages; we also specialize in assisting individuals in finding rental or purchase properties, as well as various aspects of relocation. Whether you're a first-time homebuyer or an experienced investor, count on Hipotekya for comprehensive support tailored to your needs.

In straightforward terms, a mortgage broker serves as an intermediary and, significantly, as a mortgage loan expert. Their role entails liaising with multiple lenders within the market and harnessing their extensive knowledge to aid clients in obtaining the most advantageous financing terms for their real estate projects. This includes but is not limited to, securing competitive mortgage rates, negotiating terms, and navigating the intricacies of the mortgage application process. Essentially, mortgage brokers act as trusted advisors, guiding individuals through every step of their property financing journey, ensuring that their clients make well-informed decisions tailored to their specific needs and financial circumstances.

A mortgage broker can save you time and money. Their job is to offer you the best finance package for your project and manage the bidding process with market lenders for you, using their influence to negotiate favorable conditions. They are your point of contact, to whom you can ask any questions you may have and they will accompany you for the whole process. They can also provide advice on tax issues related to your project and on pension issues.

Your buying capacity can vary considerably from one lender to another as they all have different criteria for granting a mortgage loan. This capacity has a direct impact on what you can buy. Ensuring competition between the various institutions is also a way of getting the best rates and the best amortization conditions.

Hipotekya is in contact with all the lenders on the market including some who offer unbelievably low rates but are not among the big banks that everyone knows. We also have special relationships with our partners as we provide them with a lot of business, which gives us access to lower rates than clients who contact them directly. After analyzing your application, we send a request to all the lenders on the market. The financial institutions come back to us with offers and your advisor can then direct you to the most appropriate solution for your situation, your current project, and your plans for the future.

The application is free. Upon successful qualification of your project by Hipotekya, which includes checking of Credit history with APC (Asociación Panameña de Crédito), DTI (debt-to-income) ratio, size of the Down Payment, Professional history, maximum terms based on the project and age of the borrower, property appraisal, and public registry, there is a fixed cost to cover our operations. However, these costs are typically offset by the savings achieved through our negotiation with Panamanian banks, resulting in a lower overall cost of the mortgage loan compared to going directly to the banks.

The conditions offered by banks are subject to frequent changes due to various factors such as market fluctuations, economic conditions, and regulatory requirements. Therefore, maintaining an up-to-date and comprehensive list of lenders with their mortgage loan conditions is challenging. However, at Hipotekya, we stay in daily contact with banks, closely monitoring their offerings and market trends. We provide personalized advice tailored to your specific financial situation and real estate project, guiding you on how to construct your application and make strategic choices to optimize your chances of securing the most favorable mortgage terms.

Your top broker for mortgages in Panama

Trust our brokerage to find you the ideal mortgage solution from any bank in Panama. Your dream home awaits!
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