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Mortgage Solutions

Your Dream Home Begins with a Secure and Well-Informed Decision

We Help You Secure the Best Terms for Your Mortgage

Finance your projects

Financing your projects has never been this simple

Your First Home

Gain Your Independence

Upgrade Your Home

Enhance Your Quality of Life

Second Home

A Home for Holidays or Rental

Construction

A Home Designed for You

What Is a Mortgage Loan?

It is a financial instrument that allows you to make a major investment—possibly the largest of your life—repaying it over an extended period (up to 40 years) under terms tailored to your needs.

FINALIDADE DE CRÉDITO

VALOR A FINANCIAR

PRAZO

MENSALIDADE

0,00€

Prestação mensal indicativa de 0,00€ para um crédito a 0 anos. Não inclui seguros, taxas e despesas eventualmente aplicáveis.

Our team of professionals is at your disposal to find the best credit solution on the market.

Completely Free and Personalized Advice
Comparison of Multiple Mortgage Proposals
Assessment of Insurance and Additional Costs
Support Throughout All Stages of the Mortgage Process
Transparency and Trust in Every Decision

How does it work?

Step-by-step credit process

1 Submit your request

Tell us how much you need.

2 Choose the best offer

Review the options we present and decide!

3 Contract Formalization

The bank conducts the property appraisal and schedules the deed signing.

4 Make the Move!

The House Is Yours!

Essential concepts

Understand the Terms That Impact Your Mortgage.

APR – Annual Percentage Rate (TAN)

Base rate applied to the outstanding principal, excluding commissions or insurance. Annual percentage applied to the loan. It does not include additional costs or taxes.

APR – Annual Percentage Rate (TAEG)

Total cost of the loan, including commissions, taxes, and insurance. The best metric for comparing offers between banks, as it aggregates all charges.

Spread

The bank’s margin added to the reference index (e.g., Euribor). It is a fixed and negotiable percentage. The lower the spread, the lower the monthly payment.

Euribor

A variable reference rate that affects the monthly payment (3/6/12-month terms). When the Euribor rises or falls, the NAR (TAN) and the monthly payment adjust accordingly at the contract’s review date.

Mortgage

The property is provided as collateral for the loan. In the event of default, the bank may enforce the mortgage to settle the debt.

IMT & Stamp Duty

Taxes paid upon the property purchase and the mortgage contract. IMT varies according to the property’s value and purpose; Stamp Duty applies to the contract and the deed.

Property Appraisal

Defines the reference value and the loan’s LTV. Conducted by certified appraisers; it influences the financed amount and the conditions offered.

Practical tips

Useful Advice to Consider Before Taking Out a Mortgage

Assess Your Financial Capacity

Before submitting your application, evaluate your monthly budget and ensure that the mortgage payment is compatible with your disposable income.
The Bank of Portugal recommends that the debt-to-income ratio (the percentage of monthly income allocated to loan payments) should generally not exceed 35%.

Compare Different Offers

Request simulations from multiple credit institutions. Conditions—such as interest rates, terms, fees, and insurance—may vary and significantly impact the total cost of the loan.

Pay Special Attention to the APRC (TAEG)

The Annual Percentage Rate of Charge (APRC) includes all costs associated with the loan (interest, fees, taxes, and mandatory insurance). It is the indicator that provides the most comprehensive comparison between different offers.

Choose the Loan Term Carefully

A longer term reduces the monthly payment but increases the total amount paid over time. Assess the balance between the monthly installment and the overall cost of the loan.

Understand the type of interest rate

There are mortgages with fixed, variable, or mixed interest rates. The variable rate depends on the Euribor and may cause the monthly payment to increase or decrease over time. Make sure you understand the impact of each option.

Prepare the Required Documentation

Have documents such as your latest IRS return, payslips, proof of address, and the Bank of Portugal’s Credit Liabilities Report ready. Having everything prepared streamlines the assessment of your application.

Consider the Mandatory Insurance Policies

A mortgage generally requires life insurance and home multi-risk insurance. You may choose to obtain these insurance policies through the credit institution or another provider—review the conditions and compare prices.

Check All Associated Fees and Costs

Review the opening, appraisal, processing, and early repayment fees. These costs may vary between institutions and can affect the total cost of the loan.

Assess the Stability of Your Financial Situation

Before taking out a mortgage, consider your professional and family situation in the medium and long term. Changes in income or additional expenses may affect your repayment capacity.