Switch your mortgage
Reduce your home payments!
Calculate Your Loan Transfer
Linked Credit Intermediary authorized by the Bank of Portugal No. 0002970
How can we help?
We seek out banks that offer advantageous conditions tailored to you.
We negotiate conditions with the lowest spreads and interest rates
We present credit solutions with market conditions that match what you are looking for
We handle all the paperwork
We clarify all your questions throughout the process
Service with no costs
Step by Step
See how the process works
- Simulate your loan to see your results
- Fill in your details so we can proceed with your process
- We analyze and negotiate proposals from multiple banks
- We present the proposals with the best conditions for you and help you make the right decision
- We support you throughout the process with close and personalized guidance
Simula o teu Crédito Habitação e recebe as propostas mais vantajosas para as tuas condições
FAQs
Got questions? We can help!
Find out everything you need to know about credit, the intermediation process, and financing options.
What is a mortgage?
It is a financial product provided by banks with the purpose of financing the purchase of a home. It is a loan agreement between a credit institution and a consumer for a predetermined period, used for the acquisition, construction, or renovation of a primary residence, secondary home, or rental property, as well as for the purchase of land for building a personal residence.
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 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 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 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.
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%.