Your mortgage broker in Portugal — we help you find the ideal housing mortgage or renegotiate your current loan, with personalized support in English throughout the whole process.
Our clients trust us — you can too
Personalized Service
Support Throughout the Whole Process
Solutions for Everyone
We help you find the right home loan for your dream house, or renegotiate your current one so you pay less every month.
Reduce your monthly payment
Renegotiate your mortgage and significantly lower your monthly payment.
Learn moreEvery client is different, and we look for personalized solutions to fit each one's needs!
Intermediation service free by law
You pay nothing for the intermediation service.
Solutions for everyone
Whatever your financial situation, we look for the most suitable home loan solution for you.
Personalized support
From the first contact to the signing of the contract, we're with you at every stage of the process.
Fast, simplified process
We handle all the paperwork and negotiation, so you save time and avoid the bureaucracy.
Better negotiated terms
We negotiate on your behalf to get the best possible terms and rate.
Total confidentiality
Your data and financial situation are always handled with complete discretion.
A clear, transparent process, from the first contact to your loan approval.
Initial contact
Tell us what you need and the purpose of your loan.
Free assessment
We assess your profile and the best options available on the market.
Negotiation with banks
We present your case to multiple institutions and negotiate the terms.
Approval and follow-up
We follow the whole process through to signing and disbursement of the loan.
Keep these documents on hand to speed up the process from the first contact.
Citizen Card or ID card, and Portuguese Tax Identification Number (NIF)
Latest income tax return (IRS) and tax assessment notice
Employer's declaration confirming your employment status
Copy of your last 3 payslips
Proof of any other income
Credit responsibility statement (Bank of Portugal)
Additional documents may be requested depending on your specific situation.
Yes. Portuguese banks lend to both residents and non-residents. Non-residents can typically finance around 60–70% of the property value. We handle the entire process in English and negotiate with multiple banks on your behalf.
Nothing. As a bound credit intermediary, Portuguese law forbids charging the client anything — the banks pay the broker's commission. You get the same (or better, thanks to negotiation) conditions as going directly to the bank, at zero cost.
Expect a downpayment of around 30% plus purchase taxes and fees (IMT, Stamp Duty, notary — try our mortgage calculator for a real estimate). Non-residents should plan for a 30–40% down payment.
Yes — a NIF (Número de Identificação Fiscal) is required for any property purchase or mortgage in Portugal. It's straightforward to obtain, and we can point you in the right direction as part of the process.
Leave your details and we'll get in touch, with no obligation, to see how we can help.
Phone
(+351) 963 863 907