Credit intermediary no. 000000
Turn the dream of owning a home into reality
Turn your dream home into reality
Turn the dream of owning a home into reality
Make your dream of owning a home possible with the best credit options
- Tailored to each customer’s needs
- Terms up to 480 months
- Variable, mixed, or fixed interest rates
- Professional guidance
- Completely free
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With assistance, they adjusted the credit, achieving savings of €32,745.80 in interest
With assistance, they adjusted the credit, achieving savings of €32,745.80 in interest
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They saved €905 per year, which will amount to €32,700 in 36 years
Home loan
Our Home Loan Intermediation service was designed for those who don’t want to “go from bank to bank” or risk making important decisions without having all the information.
We always start with a careful analysis of your profile: income, job stability, available savings, type of property, purpose (primary residence, holiday home, or investment), and what you envision for your future.
From there, we determine a sustainable loan amount, ensuring that your monthly payment is compatible with your lifestyle and not a constant source of stress.
Then we do everything that would be time-consuming and confusing for you to handle alone:
- We compare proposals from several banks,
- Evaluate interest rates (fixed, variable or mixed), terms, insurance, and fees,
- Identify risks and opportunities in each scenario, and
- Present everything in a clear, simple comparison so you know exactly what you are choosing.
We take care of the entire bureaucratic and operational process:
preparing the file, submitting the application to the banks, responding to requests for clarification, coordinating with real estate agents, solicitors and the rest of the team involved until the deed is signed.
Throughout the entire process, you will have:
- A single point of contact,
- Honest and well-founded information,
- And support right up to the moment you receive the keys to your new home.
Our commitment is that you feel supported by a trusted, independent, client-focused partner who understands the financial market but works to protect what matters most:
your home, your stability, and your future.
Our Home Loan Intermediation service was designed for those who don’t want to “go from bank to bank” or risk making important decisions without having all the information.
We always begin with a careful analysis of your profile: income, job stability, available savings, type of property, purpose (primary residence, holiday home or investment), and what you want for your future.
From there, we define a sustainable loan amount so that your monthly payment fits your life and does not become a permanent source of anxiety.
Then, we take care of everything that would be time-consuming and confusing to handle on your own:
- We compare proposals from several banks,
- Evaluate interest rates (fixed, variable or mixed), terms, insurance and fees,
- Identify risks and opportunities in each scenario,
- And present everything in a simple, clear comparison so you know exactly what you’re choosing.
We handle all the bureaucratic and operational work:
preparing the file, submitting the application to the banks, responding to requests for clarification, coordinating with the real estate mediator, solicitor and the rest of the team involved up to the deed.
Throughout the entire process, you will have:
- A single point of contact,
- Honest and well-founded information,
- And support until the moment you receive the keys to your new home.
Our commitment is that you feel supported by a trustworthy, independent partner focused on you—someone who understands the financial market but works to protect what matters most:
your home, your stability and your future.
Do you want to know whether you can get approved for a home loan or improve the conditions of the loan you already have?
Send us your information and we’ll prepare a personalised, free and no-obligation simulation to show you how much you can finance and under what conditions.
Simulate my home loan
Our Home Loan Intermediation service was designed for those who don’t want to “go from bank to bank” or risk making important decisions without having all the information.
We always start with a careful analysis of your profile: income, job stability, available savings, type of property, purpose (primary residence, holiday home, or investment), and what you envision for your future.
From there, we determine a sustainable loan amount, ensuring that your monthly payment is compatible with your lifestyle and not a constant source of stress.
Then we do everything that would be time-consuming and confusing for you to handle alone:
- We compare proposals from several banks,
- Evaluate interest rates (fixed, variable or mixed), terms, insurance, and fees,
- Identify risks and opportunities in each scenario, and
- Present everything in a clear, simple comparison so you know exactly what you are choosing.
We take care of the entire bureaucratic and operational process:
preparing the file, submitting the application to the banks, responding to requests for clarification, coordinating with real estate agents, solicitors and the rest of the team involved until the deed is signed.
Throughout the entire process, you will have:
- A single point of contact,
- Honest and well-founded information,
- And support right up to the moment you receive the keys to your new home.
Our commitment is that you feel supported by a trusted, independent, client-focused partner who understands the financial market but works to protect what matters most:
your home, your stability, and your future.
Web Company - Mediação Imobiliária, Unipessoal Lda. is registered with the Bank of Portugal under registration number 123456789 as a tied credit intermediary, without an exclusivity regime, having signed contracts with the following entities: BANCO BPI, S.A., Novo Banco, S.A., Unión de Créditos Inmobiliarios, S.A., Estabelecimento Financeiro de Crédito (Sociedad Unipersonal) - Branch in Portugal, Banco BIC Português, S.A., Banco Santander Totta, S.A., BANCO CTT, S.A., Caixa Geral de Depósitos, S.A., Abanca Corporación Bancaria, S.A. - Branch in Portugal, SICAM - Caixa Central e Caixas de Crédito Agrícola, and Bankinter, S.A. - Branch in Portugal.
Frequently Asked Questions
What documents are required to apply for a home loan?
The required documentation varies from bank to bank, but the essential documents for a standard home loan application are:
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Citizen Card or Identity Card and Tax Identification Number;
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Most recent IRS tax return and settlement notice;
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Copy of the last 3 pay slips;
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Employer’s declaration;
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Location plan of the property;
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Floor plan of the building or unit;
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Proof of other income.
Additional documents may be required depending on the bank and the client’s specific situation (e.g., pensioner, employee, non-resident, among others).
Do I need to have an account with the lending institution to apply for a home loan?
Having an account with the institution where you want to take out the loan is not mandatory. However, most banks require it.
What is the spread?
The spread is a percentage of the interest rate charged by the bank, which essentially represents its “profit margin.”
What is the EURIBOR?
The EURIBOR (Euro Interbank Offered Rate) is a rate that reflects the average interest rates of loans between banks. The EURIBOR is a variable rate, and its adjustment in loan contracts occurs every three, six, or twelve months. In Portugal, home loan contracts are usually indexed to the EURIBOR.
What is the TAN?
The Nominal Annual Rate (TAN) is the rate communicated by banking institutions and applied to all types of operations, whether financial investments or loans that involve interest payments. In the case of a variable-rate home loan, it is simply the sum of the spread and the EURIBOR.
What is the APR (TAEG)?
The APR (TAEG) can be used to compare loan offers. For loans with the same amount, term, and repayment method, the offer with the lower APR is the cheapest for the client.
The APR calculation includes:
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Interest;
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Commissions;
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Expenses, including taxes and fees related to mortgage registration, in the case of a loan secured by a mortgage;
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Insurance required to obtain the loan;
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Maintenance fees for a current account, if opening the account is mandatory for managing the loan;
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Credit intermediary fees, if paid by the consumer, which applies when using a non-tied credit intermediary;
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Other charges associated with the loan contract.
It does not include:
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Amounts payable if the client fails to meet contractual obligations;
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Early repayment fees;
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Notary costs.
La TAEG puede utilizarse para comparar propuestas de crédito. Para préstamos con el mismo importe, plazo y modalidad de reembolso, la propuesta con la TAEG más baja es la más económica para el cliente.
What is the Total Amount Payable (MTIC)?
The total amount payable by the consumer (MTIC) is especially relevant at the time the loan is taken out. Over the term of the loan, the interest rate or other charges may change.
For example, in variable or mixed-rate loans, the MTIC is only indicative. Since the interest rate can vary over time in these loans, the MTIC may not correspond to the total amount the client will pay during the loan term.
If other loan characteristics are similar:
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A loan with a higher interest rate will have a higher MTIC, as the interest paid will be greater;
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A loan with a longer term will have a higher MTIC, because more interest will be paid over the life of the loan compared to a similar loan with a shorter term.
You can use the MTIC to compare offers. For the same amount and term, the MTIC allows you to compare the total interest and other charges you will pay when repaying your loan.
What insurance is required for a home loan?
Functioning as a guarantee against the risk associated with financing, there are two types of insurance that banks always require when applying for a home loan: life insurance and multi-risk home insurance.
Life Insurance
Although not legally mandatory, banks always require life insurance for granting a home loan. In simple terms, this insurance covers the outstanding loan amount in case of death or disability of one of the borrowers, protecting both the clients and the bank.
Multi-Risk Home Insurance
Beyond Portuguese law, which requires properties in horizontal ownership to have fire insurance, banks require multi-risk insurance for mortgage financing. This insurance provides broader coverage, including protection against fire, natural disasters, civil liability, floods, electrical risks, and seismic events, among others.
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