TRIOTECA

Trioteca is the third-largest mortgage broker in Spain, working with all major banks and serving thousands of families across the country. We are building the most efficient mortgage infrastructure in the market—with one clear objective: become the leading player in Spain.

Our approach is fundamentally different. We are a tech company that happens to do mortgages—not the other way around. In this industry, most growth comes from hiring. At Trioteca, growth comes from writing better software. That’s why we are already the mortgage broker with the highest number of completions per broker in the country. Technology makes us hyper-scalable. Efficiency is our engine.

The Spanish mortgage market is solid and growing: over 1,900 mortgages are signed every day. The broker channel—how banks acquire those mortgages—is expanding fast. In 2020, only 4% of mortgages came through brokers. Today, that number is already 24%. Our hypothesis is simple: Spain is on its way to match Italy (40%) in the next two years. For comparison, the broker channel represents ~50% in Ireland, 60% in Germany, 70%+ in Australia, and ~80% in the UK.

Trioteca is positioned to lead this shift. We create technology that improves how mortgages are originated, tracked, and managed. Our tools are used not only internally but also by banks, BPO firms, and industry partners. For the past two years, we’ve built proprietary AI systems that help us scale further—quietly but effectively.

We respect the incumbents. We admire the market. But we believe the next leader will be the one who builds a product-led, tech-driven platform at scale. That’s exactly what we’re doing.

And we’re still independent.