Do you want to comprar, construir or reformar your home?
With our help, we'll find a solution tailored to your needs!
The Mortgage Loans is intended for the acquisition , construction or renovation of permanent, secondary or investment housing.
- Customized solutions
- Best rates on the market
- Simplicity in the process
Discover our Advantages
Find out why we have the best advantages on the market!
And how we can help!
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We compare and negotiate the best solutions on the market
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Personalized support
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Less bureaucracy
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Access to a vast network of partners
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Free and specialized service
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Complete solutions
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Save time and efficiency
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Transparency and legality
Amounts
From 1000€ to 75.000€
Duration
From 6 months to 15 years
Fees
We negotiate the best rates on the market
Amounts, Deadlines and Fees
It is important to note that this information is only a general guideline and that specific amounts and terms may vary according to the policies of each financial institution, market conditions and the individual characteristics of each client. It is always advisable to consult the financial institution or credit intermediation company directly for precise information on the amounts and terms available for the type of loan you want.
Amounts
Minimum of 5000€.
Duration
It can go up to a maximum of 30 or 40 years, depending on the age of the applicants at the end of the loan.
Fees
Whether fixed, mixed or variable rates indexed to Euribor, we negotiate the best rates on the market.
Simulate simply and easily.
Mortgage Loan Simulator
If you would like a personalized analysis, please provide us with your details. One of our experts will contact you to analyze your situation and understand your needs. After that, we'll send you the best offers on the market according to your profile.
Documents required for a Personal Loan
- Identification document
- Tax identification number
- Proof of current address
- Proof of IBAN
- Proof(s) of Income
- Map of Credit Liabilities of the Bank of Portugal
Specific documents may be requested depending on your situation and type of loan.
Conditions for Financiamento
- Age
- Income
- Credit history
- Credit Score
- Documentation
- Guarantees
Conditions for Financing
- Age
- Income
- Credit history
- Credit Score
- Documentation
- Guarantees
What are the phases of the process ?
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Gather documentation We'll need your personal details, income, credit history and identification documents.
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Risk Assessment We analyze the likelihood of being able to meet the installment payments, taking into account credit history, payment capacity and financial stability.
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Ability to Pay Analysis We assess your ability to repay the loan based on your income and monthly expenses.
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Analysis of Guarantees Detailed evaluation of guarantees, such as real estate or vehicles, if applicable.
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Credit decision Approval of the loan with specific conditions or refusal, based on risk analysis and payment capacity.
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Communicating the Decision We'll let you know the decision and all the details of the loan, including the terms and conditions. In the event of a refusal, we explain the reasons for the refusal and, if applicable, make suggestions so that you can improve your financial situation in future credit applications.
Documents required for the Mortgage Loan
- Identification document
- Tax Identification Number
- Proof of current address
- Proof of IBAN
- Proof(s) of Income
- Map of Credit Liabilities of the Bank of Portugal
Specific documents may be requested depending on your situation and type of loan.
Other cases:
1. For employees
Wage slips for the last 3 months, bank statements for the same period, IRS (tax return and assessment note) and employer’s statement on permanent employment.
2. For individual workers
Invoices/receipts for the last 6 months, IRS (tax return and assessment note), bank statements for the same period, service contract and declaration of commencement of activity.
3. For entrepreneurs
Tax return (IRC/IES), company certificate, partners’ identity cards, latest balance sheet and profit and loss accounts.
4. Credit Report
Map of Credit Responsibilities from the Bank of Portugal (or the client’s country of origin).
Depending on the type of loan and the financial institution's policy, other specific documents may be requested, such as vehicle documents for car-secured loans, among others.
Our Partners
Benefit from having your proposals approved in just a few days.
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