Is Your Mortgage Based on IRPH?
If your mortgage uses the IRPH index, you may have overpaid thousands of euros. Courts are now siding with consumers — and you could be entitled to a full refund.
FLOOR CLAUSE
Why can you claim?
IRPH is a lesser-known mortgage interest index that is more expensive than Euribor and often imposed without proper explanation. Spanish and European courts have ruled that this lack of transparency makes it abusive — and refundable.
You paid more interest than with Euribor
The IRPH terms were hidden in legal jargon
Your bank didn’t clearly explain the index
Your contract wasn’t fully transparent
OUR PROCESS
How Dazzle Premium Refunds Works
Step-01
Free Legal
Assessment
We review your mortgage and estimate your refund
Step-02
Full Claim Management
We gather documents, prepare your claim, and deal with your bank
Step-03
Legal Action (if necessary)
If your bank refuses to pay, we take legal action
Step-04
No Win, No Fee
You don’t pay anything unless you recover money*
* If court action is needed, we’ll provide a clear quote in advance
What documents do you need?
To start your claim, we’ll need the following:
Mortgage deed
Recent mortgage statements or amortization schedule
ID Document
Contact details
WHY CHOOSE US
We turn abusive banking charges into real refunds
Our experienced legal and financial team handles everything on your behalf – no upfront payments, no hidden clauses. We only win if you do.
From reviewing your documents to negotiating with the bank (or going to court if necessary) we`re with you ever stepe of the way.
%
Successful Claim Rate
- 90%
No win, no fee
Expert legal partners
Personalized support
Can I still claim in 2025?
Yes. Even if your mortgage is fully paid off, you may still be entitled to a refund. There’s no expiration period for claiming lack of transparency in IRPH clauses.
LEGAL BACKGROUD
The legal rulings that make your refund possible
Learn about the most relevant judgments that have opened the door for IRPH refund claims. Updated for 2025 by our legal team.
Spanish Supreme Court – IRPH Ruling 2020: Declared that lack of transparency in IRPH clauses allows for refunds
European Court of Justice – March 2020: Enabled consumers to claim back overpaid interest from IRPH
Still applies in 2025: Valid even if your mortgage has ended or the property is sold
FREQUENTLY ASKED QUESTIONS
Reclaim your money. Restore your peace of mind
What is IRPH?
It’s a mortgage interest rate used in Spain that’s more expensive and less transparent than Euribor.
How do I know if my mortgage includes IRPH?
Check your mortgage deed — or send it to us for a free review.
Can I still claim if I’ve paid off the mortgage?
Yes. You can still claim even if your mortgage is no longer active.
How long does the process take?
Most cases settle in 3–6 months. Court cases can take longer, depending on the bank.
What if the bank refuses to pay?
We’ll take legal action if necessary — and only with your approval.
CONTACT US
Contact us – We`re here to help
Have questions? Want to know how much you could recover?
Reach out to us — no pressure, no commitment.
At Dazzle Premium Refunds, we believe in clear, honest communication. Whether you prefer email, phone, WhatsApp, or our contact form, we’re ready to answer your questions and review your case.