Services
Debt Consolidation
If you are servicing several credits — cards, a car loan, personal loans — consolidating them can cut the monthly outgoing substantially. It also, almost always, increases the total you pay in the end.
Consolidation is a useful tool when the problem is the weight of repayments in the monthly budget. It is not the answer if income does not cover ordinary living costs — in that case there are other routes, and we will talk about those too.
One payment instead of several
The existing credits are settled and replaced by a single loan over a longer term. The monthly relief is usually substantial and immediate.
We show you the total cost
A longer term means more interest across the life of the loan. We put both numbers in front of you — the monthly saving and the extra total cost — so you decide with each in view.
With or without property security
Consolidating against a property gets a lower rate, but it puts your home behind debts that previously did not touch it. That is a serious decision and we explain it plainly.
No judgement
Credit accumulates for all sorts of reasons, many of them outside anyone's control. We deal with it discreetly and get on with sorting it out.
No cost to the client
Our service costs you nothing. We are paid by the lending institution the contract is signed with.
FAQ
The questions we are asked most often.
Will consolidating damage my credit record?
Consolidation is not itself a default. What is recorded at the Banco de Portugal credit register is missed payments — which is precisely what consolidating aims to prevent. The earlier you act, the more options exist.
Is it always worth doing?
No. If your current loans have only a few years left, extending the term can be expensive without solving much. We run the comparison, and if it does not stack up we tell you.
Do I have to put my house up as security?
Not necessarily. Unsecured consolidation exists, at higher rates and over shorter terms. We put both options in front of you with the numbers.
Let's discuss your case
Tell us what you need. We normally reply the same working day.
How we can help
Mortgages
Buying a home, building, or funding renovations.
Mortgage Transfer
Move your mortgage to another bank and cut the monthly payment.
Personal Loans
Funding a project, a car, or an unexpected expense.
Insurance
Life, home, motor, health and business cover.