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Mortgage Loan

A mortgage loan aims to finance the acquisition of a primary residence, a second home, the purchase of property for investment, or construction.

Finding the best mortgage loan options is a time-consuming and bureaucratic process.

Optifinance does this work for you – at no cost.

With access to the main Portuguese banks, we find the bank that offers the best conditions for your situation, avoiding bureaucracy, reducing procedural costs, and obtaining the best market conditions.

75.000€
2.000.000€
75.000€
2.000.000€
5
40
700€
10.000€
- +
0€
5.000€

Our solutions

Mortgage Loan

Acquisition of a primary residence, a second home, the purchase of a property for investment, or a home construction. Why choose Optifinance?

  • Personalized advice
  • Time-saving
  • No costs
  • We negotiate for you best rates
  • Several offers so you can compare what the marketing is offering
Credit Evaluation

Personal Loan

A personal loan allows you to borrow an amount and repay it through fixed installments over a certain period. Personal loans can be used to pay, per example:

  • Car loan
  • Home Improvements
  • Holidays
  • Health Expenses
  • Education Expenses
Credit Evaluation

Consolidated Loan

Debt consolidation refers to taking out a new loan to pay off other existing loans or credit cards, by combining multiple debts into a single, larger loan, it’s likely to obtain more favorable payoff terms, such as a lower interest rate/ lower monthly payment. Some advantages of the consolidated loan are:

  • Monthly savings
  • Only one monthly payment to a single creditor
  • Reduction of total monthly payments
  • Monthly cash flow
Credit Evaluation

Why work with Optifinance?

Personalized advice

Credit intermediaries are specialists who provide advice and guidance tailored to each client.

Time and Effort Savings

The credit intermediary carries out the customer's research into the different solutions available on the market.

Several offers so you can compare what the marketing is offering

By collaborating with various financial institutions, the customer will have access to the best conditions available on the market.

We negotiate for you best rates

Better interest rates and payment terms.

Higher Probability of Credit Approval

Extensive relations with different financial institutions and reduction of administrative obstacles.

Just 3 Simple Steps

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Gathering information / documentation from the client.

Market analysis and consultation.

Presenting proposals and choosing the best solution for the client.

Frequently Asked Questions

The mortgage broker is highly regulated and supervised by the Bank of Portugal, just like financial institutions and banks in their main credit granting activity, also subject to the same market regulator. All mortgage brokers are thus subject to strict laws and must act according to their registration with the Bank of Portugal. Whenever this is not verified, clients can also directly contact the regulator by filing a complaint.

The authorization to perform this kind if mediation considers several aspects:

  1. Assessment of the suitability of the person responsible for the activity;
  2. Assessment of any incompatibilities in the performance of the activity;
  3. Assessment of professional experience and academic qualifications;
  4. Assessment of the organizational capacity of the company, its structure and governance, administrative and accounting procedures.

The performance of the credit intermediation activity allows you to present clients with several credit options from different entities available in the market with which the credit company maintains a commercial relationship. This service increases competitiveness by comparing different offers to find the best solution for each case/client.

Optifinance acts as a binding mortgage broker, which translates into the signing of binding contracts with several banks and financial entities working in the Portuguese market. Optifinance is remunerated by these partners and not by the final client.

To verify the identity of the applicant(s), employment relationship, earned income, among others, some documents will be required. All submitted documents will be protected under the rules of protection, processing, storage, and free movement of personal data defined by the European Union, the so-called GDPR – General Data Protection Regulation:

  • Copy of the citizen card or passport and residence permit for other nationalities than Portuguese;
  • Copies of the last 3 months’ pay slips for employees, pension proof, or the last IRS declaration for self-employed workers;
  • Copy of the previous year’s IRS model 3 declaration (portaldasfinancas.gov.pt)
  • Central Credit Register of the Bank of Portugal(www.bportugal.pt)
  • Last 3 bank statements of all bank accounts
  • Proof of address
  • Proof of IBAN