We are the solution for Mortgage Credit

Choose the financial option that truly feels like home!

We are the solution for Mortgage Credit
Aprova

What can you expect from us?

Quick response

Quick response

Our specialized team operates with great rigor and professionalism, always available to help clients find the best financing solutions.

The Best Conditions for you

The Best Conditions for you

We search for the best conditions available on the market to meet your needs and present the best proposals according to your profile.

Personalized Service

Personalized Service

Each client receives our continuous support from the beginning to the end of the process, with our team always available to provide assistance and clarify any questions.

Personalised support

Personalised support

We analyze the market and assess financial feasibility with our partner banks to secure the most advantageous offers available for our clients.

Testemunhos

“A very pleasant experience with Luís Paiva, which made the process much simpler by clarifying all my doubts right from the start.”

João Pedro Mendes

“I was very pleased with the friendliness of Mr. Luís Paiva — an excellent professional whom I will certainly recommend. He was always ready to help solve our problems, easy to contact, and took the time to explain all our questions whenever they arose. He was a great help to us, especially as we had never bought a house before.”

Carina Matos

Excellent service, efficiency, and confidence in the work delivered. I highly recommend it. Thank you very much.

Liliana Pinto

We are very grateful for the valuable help throughout this banking process.

Ana Rita Graça

Great service, which helped reduce the time spent on the process, as well as providing clear communication and easy access to information.

Rita Gomes

Our experience with Aprova was exceptional. My family and I are truly grateful for helping us achieve the dream of buying our own home. They made the process simpler, handled everything with a level of professionalism I have never seen before, and were always available to answer our questions. Without a doubt, if I ever need their services again or know someone who does, Aprova will be who I turn to and recommend. Thank you, Aprova.

Sónia Monteiro

Aprova exceeded all standards of excellence — a rare and welcome surprise in today’s world. They treated me as a human being and showed that the family-oriented and human side still exists in the often harsh world of business. I witnessed how hard they fought for my success and how genuinely they celebrated the positive outcome of my process with sincere smiles. A big thank you to everyone, and a special word of appreciation and recognition to the outstanding professional Raquel Corrente, who was tireless and dedicated throughout the process, demonstrating an exceptional level of professionalism and deep expertise, mastering every detail. My sincere best wishes to Aprova!

José Miguel Castro Mendonça Silva Carlos

A few months ago, I felt the need to apply for a personal loan, and Aprova helped me find the best solution to resolve my situation. At Aprova, I found professionalism, efficiency, commitment, and great respect for the client.

Elsa Guerreiro

Congratulations on your service and thank you for all the support. We will work together again in the near future. A big thank you to the whole team.

Tiago Cruz

Very fast, efficient service, with outstanding availability and attentiveness.

Raquel Tornesi

Great empathy and professionalism throughout the entire process, from finding the best credit solution to completing the deed. They made all the bureaucratic procedures much easier.

Vera Carvalho

The service provided to me was extremely efficient. Thank you.

Helena Fernandes

We were very satisfied with the support provided, especially considering the unexpected challenges. Enormous professionalism, easy to approach, and extremely competent.

José Durães

It was a pleasure to work with the managers at Aprova.

Rui Monteiro

Just when we were considering renegotiating our home loan to leverage a new project, Aprova came into our lives and made the entire process much easier, securing much better conditions than we expected. We quickly received offers from several banks and achieved a very favorable combined spread.

Luís Lopes

Buying a home is not easy. With Aprova’s support, it becomes much easier.

Samuel Verhegge
FAQs

Have questions? We’re here to help!

Get your questions clarified about credit, the intermediation process, and financing conditions.

What is the debt-to-income ratio?

It is an indicative percentage related to the proportion of a household’s income allocated to paying all financial obligations, such as mortgage or consumer loans. It measures the household’s ability to meet its financial commitments. Most banks do not grant loans to clients with an effort rate above 35%.

What is a FINE?

A FINE (European Standardised Information Sheet) is a document provided by banks that contains standardized information about a mortgage or credit agreement, helping consumers understand the terms, costs, and conditions before signing the contract.

What is a guarantee?

A guarantee consists of a commitment provided by the guarantor regarding the fulfillment of an obligation owed by the debtor. When a guarantee is given, the guarantor becomes responsible for paying the debt with all of their assets, as it is a personal guarantee. Generally, the guarantee is limited to the amount of the debt it covers.

What is a guarantor?

A guarantor is someone who provides a guarantee. This is the person responsible for paying the debt if the borrower fails to do so.

What is the difference between a fixed and a variable interest rate?

Fixed rate loans have an interest rate that stays the same, providing stable monthly payments. Variable rate loans can change over time with the market, so payments may increase or decrease.