Licensed credit & insurance intermediary · Bank of Portugal reg. 0004717

Buying property in Portugal from abroad shouldn't mean guessing at banks you've never heard of.

I'm a Portuguese mortgage and insurance broker. I compare offers across Portuguese banks on your behalf, handle the paperwork, and get you the mortgage and insurance for your Portuguese property — entirely remotely, in English, wherever you're buying.

Request a free mortgage simulation See the numbers

22%

of Portuguese home purchases last year were made by foreign buyers

70–80%

typical financing available to non-residents

€480K+

average purchase price among UK & US buyers

0€

cost to you — paid by the lending bank, not the client

Why this is harder alone

Non-resident mortgages run on different rules than the ones your bank at home follows.

Portuguese lenders assess foreign buyers differently — lower loan-to-value, extra documentation, and a maze of banks with no English-language support. That gap is exactly where a broker earns their place.

Lower financing ceiling

Non-residents typically get 70–80% financing vs. up to 90% for residents. Knowing which bank stretches further for your profile saves you tens of thousands upfront.

Every bank prices you differently

Rate spreads for non-residents vary meaningfully bank to bank. I run your profile across multiple lenders instead of you applying blind to the one you've heard of.

Documentation built for locals

Foreign income, foreign tax returns, foreign employment contracts — Portuguese underwriting wasn't built with these in mind. I package your file the way underwriters expect to see it.

Insurance is not optional

Portuguese banks require life and home insurance tied to the mortgage. Arranged separately, in English, you avoid last-minute scrambling before closing.

What I handle

Two licenses, one point of contact.

Most brokers do one or the other. I'm registered for both — so your mortgage and your required insurance get arranged together, not as two separate headaches.

Mortgage intermediation

Home loans for non-residents

I compare offers across Portuguese banks and negotiate on your behalf — you deal with one person, not five call centres.

Rate & terms comparison across partner banks
Document preparation for foreign income/employment
Pre-approval before you make an offer
Full process management to closing (escritura)

Insurance intermediation

Life & home insurance

Registered insurance intermediary (ASF) — the exact cover Portuguese banks require to release a mortgage, quoted and bound in plain English.

Life insurance sized to your loan (bank requirement)
Multi-risk home insurance (buildings & contents)
Comparison across partner insurers, not one default quote
Renewal support after you've moved in

How it works

Four steps, none of which require you to be in Portugal.

Free simulation

Send your basic numbers — income, target property value, country of residence. You get an indicative range within days, no commitment.

Bank comparison

I submit your profile to partner banks and come back with real terms — not the marketing rate, the one you'd actually be offered.

Documentation & insurance

I package your file, arrange the required life and home insurance, and manage everything the bank asks for.

Closing

Funds are released and the escritura is signed. You've had one point of contact from first email to keys in hand.

Get started

Request your free, no-obligation simulation.

Tell me a little about the property and your situation. I'll come back with a realistic financing range and next steps — usually within a couple of working days.

Prefer to talk directly? WhatsApp +351 967 769 545