Services

Mortgages

Buying a home is the largest financial decision most people make, and doing it in a country whose banking system you did not grow up with adds a layer nobody warns you about. We handle the complicated part and explain the offers in plain English.

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Whether you are buying a first home, moving, building, or funding renovations, the path is broadly the same — what changes is what the banks ask for and what they are willing to lend against.

Our job is to make sure your application reaches the bank in the best possible shape, and that you understand what you are signing before you sign it.

  • We assess before we apply

    Before anything is submitted we work out what you can realistically borrow. That avoids declined applications, which are recorded and make the next bank more cautious.

  • Several offers, side by side

    We put your case to different lenders and compare spread, term, tied insurance and fees — not just the monthly payment, which is the easiest number to make look attractive.

  • Paperwork handled

    Portuguese mortgage applications are document-heavy, and more so for non-residents. We tell you exactly what is needed, in what order, and deal with the bank when something is missing.

  • With you to completion

    We stay involved through valuation, final approval and the deed. You deal with the same person throughout.

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.

What does your service cost?

Nothing. Our service is free to the client — we are paid by the lending institution the contract is signed with.

Can I get a mortgage as a non-resident?

Yes. Portuguese banks lend to non-residents routinely, typically at a lower loan-to-value than for residents, so expect to put down a larger deposit. You will need a Portuguese tax number (NIF) and a Portuguese bank account. We arrange both as part of the process.

How much can I borrow?

It depends on household income, existing credit commitments and the valuation. As a rule banks lend up to 90% of the lower of purchase price and valuation for residents, less for non-residents, and total repayments generally need to stay under about a third of net income.

Does my income being in sterling or euros matter?

It matters. Some banks are comfortable with foreign-currency income and others discount it or decline it outright. Knowing which is which before applying is a large part of what we do.

How long does it take?

From complete paperwork to approval is usually a few weeks, depending on the bank and the valuation. We give you a realistic estimate at the start and tell you if it changes.

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