Free for you
My commission is paid by the bank. You are never charged for my brokerage — neither before nor after completion.
Mortgages
Finance
your home purchase
Full support through to completion.
Simulator
Former banker with 30 years of experience. I compare offers across several banks, negotiate the spread and see you through to completion.
Estimate your monthly payment, nominal rate and APRC. Indicative figures — real offer tailored to your case.
Simulador
Crédito habitação
50.000 €2.000.000 €
10%LTV: 80%90%
10 anos40 anos
0,5%3,0%
0%TAN estimada: 3.60% · TAEG ~3.90%6%
Financiamento
200 000 €
LTV 80%
Prestação/mês
909 €
30 anos · TAN 3.60%
Juros totais
127 345 €
Total pago: 377 345 €
Valores meramente indicativos. TAN = Euribor + Spread; TAEG inclui aproximação de seguros obrigatórios (vida, multirriscos) e comissões. Para simulação real em vários bancos em simultâneo, peça proposta abaixo — como ex-bancária com 30 anos de experiência, negoceio o melhor spread por si.
Request a real offer in 24–48h
No cost to you · Reply within 24–48h · 6 banks compared
How it works
01
Situation review
Income, deposit, debt-to-income ratio and goals
02
Multi-bank simulation
I simulate across several banks in parallel — Millennium, Santander, CGD, Novobanco, BPI and others
03
Terms negotiation
Former banker — I know where there's room to negotiate. I push on spreads, fees, costs and insurance to secure the best terms.
04
Approval and completion
Paperwork prepared by me to speed approval to 24–48h
Request a real offer in 24–48h
No cost to you · Reply within 24–48h · 6 banks compared
Why Paula
30 years in the financial sector give me something generic brokers don't have: knowing exactly where each bank has room to negotiate. A spread 0.3% lower over 30 years = thousands of euros in savings.
No compulsory add-ons
I refuse forced packages of expensive insurance or credit cards. Only what's legally required, with whichever insurer offers the best price.
Direct negotiation
I speak to the credit department, not the branch counter. That's where spreads are negotiated and where there's still room to move.
Post-completion support
I remain available for 6 months after completion for questions, adjustments or insurance renegotiation. I don't disappear.
Documents required
- ID card (or passport + tax certificate) and NIF (Portuguese tax number)
- Proof of address (water, electricity, gas or telecoms bill)
- Payslips for the last 3 months
- IRS tax return + settlement notice for the last year
- Bank statements for the last 3 months (salary account)
- Bank of Portugal debt map (I request this on your behalf)
- Preliminary contract or promise of sale for the property (if already signed)
- Property tax booklet and permanent land registry certificate
Key concepts to know
- TAN — Nominal Annual Rate
- The pure interest rate. On indexed mortgages = Euribor + Spread. Reflects the cost of money but not the charges.
- APRC — Annual Percentage Rate of Charge
- The "real" rate — includes interest, compulsory insurance (life, buildings), fees and other charges. This is the figure to compare between offers.
- Spread
- The margin the bank adds to Euribor. Ranges from 0.5% to 3% depending on the risk profile and negotiation.
- LTV — Loan to Value
- Ratio between the loan amount and the lower of valuation or price. Usually capped at 90% (10% minimum deposit).
- Debt-to-income ratio
- Percentage of net income going to loan repayments. Banks prefer below 35%; above 40% they rarely approve.
- Maximum term
- Legally up to 40 years. Banks cap by end age: term + age of oldest applicant ≤ 75 years.
Frequently asked questions
Common questions about the mortgage process
How long does the process take?
From the first meeting to completion, typically 45 to 90 days. The part I control (multi-bank simulation and offer negotiation) is usually done within 5 to 10 working days. The rest depends on the bank valuation of the property (2–3 weeks), preparation of the deed and notary availability.
Can I approach several banks at the same time?
Yes, and I recommend it. Each bank simulates for free and with no impact on your credit history. When I work with you, I submit the request to 4 to 6 banks in parallel — the competition between them helps drive down the spread. After about a week we have comparable offers side by side.
Is it worth transferring my current mortgage?
It depends on the current spread and remaining term. Rule of thumb: if the contracted spread is above 1.25% and there are more than 10 years left, transferring almost always pays off (the fees are amortised in 1 to 3 years thanks to the lower monthly payment). I run the analysis free for your specific contract.
What if the bank refuses?
Working with several banks in parallel greatly reduces the risk of a general refusal. If it does happen, I analyse the reasons — high debt-to-income ratio, recent history, type of employment contract — and we adjust: reduce the amount, increase the deposit, wait 3–6 months to consolidate credit history, or add a second applicant.
What spread will I pay today?
It depends on your profile (income, debt-to-income ratio, LTV) and the bank. Indicative ranges in Portugal 2026:
• Excellent profile (LTV <70%, ratio <30%, civil servant or senior professional): 0.7% – 1.1%
• Good profile (LTV up to 90%, ratio up to 35%, permanent contract): 1.1% – 1.5%
• Average profile (high LTV, ratio near 35%): 1.5% – 2.5%
• Complex profile (self-employed, recent credit history): from 2%
With your real profile I can give you a specific figure — ask me for a simulation for your case.
Do meu diário profissional
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