Client brief
PM / CASE 01
Your mandate
- Purchase
- Value · deposit · purpose
- Borrower
- Residency · income · term
- Timing
- Offer · valuation · deed
Regulated mortgage advice
A mortgage broker in Portugal who compares the right banks
Your profile should decide where you apply — not the loudest headline rate. We compare suitable Portuguese banks, prepare the file and guide you to the deed.
- 11+
- Portuguese partner banks
- 25+
- Years of mortgage experience
- 0 €
- Fee paid by the client
- ICV 6191
- Banco de Portugal registration
What the broker actually operates
One mandate. One advisor. Three lines of work.
The value is not another list of bank names. It is keeping the borrower, the credit file and the transaction moving as one controlled case.
ICV 6191 Dedicated
advisor Regulated point of contact
advisor Regulated point of contact
Select
Screen bank policy before the application.
Structure
Package the evidence into one coherent credit file.
Coordinate
Manage questions, valuation and approval to the deed.
Why use a broker
Bank policy is not one-size-fits-all
Two buyers with the same property price can receive very different outcomes. The right first application saves time, protects momentum and gives you comparable options.
Find the bank that fits
Bank policy changes by residency, income currency, employment type, loan size and property purpose. We shortlist before you apply.
Present a stronger file
We structure your documents and financial story so the credit team can assess the real strength of your application.
Keep one point of contact
Your advisor coordinates the banks, valuation, documentation and next steps through to the deed.
How it works
One advisor, four clear decisions
A controlled process from the first conversation to the final deed — with no mass applications and no duplicated admin.
1
Map your profile
We clarify the purchase, deposit, residency, income and timeline before suggesting a bank.
2
Build the shortlist
We compare the policies and likely fit across our partner-bank network.
3
Prepare the application
We organise the evidence and present your case in the format credit teams expect.
4
Manage it to the deed
We coordinate questions, valuation and approvals so you always know the next decision.
Bank matching board
Your profile changes the shortlist
We start with the factors that move a credit decision, then direct the file to banks whose policy makes sense for it.
| Your profile | Banks assess differently | Our decision |
|---|---|---|
| Non-resident buyer | Maximum LTV, country of residence and document requirements. | Focus on banks actively lending to your residency profile. |
| Foreign-currency income | Accepted currencies and the discount applied to usable income. | Model affordability under each bank’s exchange-risk policy. |
| Self-employed or complex income | Trading history, accounts, dividends and proof of continuity. | Build a clear dossier for lenders comfortable with non-standard income. |
| Higher-value purchase | Loan appetite, senior credit review and any wider banking conditions. | Compare the real terms, not only the headline rate. |
| Buy-to-let property | Property use, affordability method and rental-income treatment. | Target lenders that accept the intended use from the start. |
Regulated and transparent
Advice before application
We would rather tell you what needs to change than send a weak file to the wrong bank. The recommendation is based on evidence, not a promise made before assessment.
- No client fee
- No mass application to every bank
- No guaranteed rate before assessment
- Your approval before information is shared
Mortgage broker FAQ
What international buyers ask first
What does a mortgage broker in Portugal do?
A mortgage broker assesses your profile, compares suitable lenders, prepares the application and manages the process with the bank. The useful part is not sending the same file everywhere — it is choosing the banks whose policies fit your situation.
Is Portugal Mortgage’s service free for the buyer?
Yes. Our service is provided at no cost to the client. As a regulated credit intermediary, Portugal Mortgage is remunerated by the partner bank when a mortgage completes.
Can you help if I do not live in Portugal?
Yes. International and non-resident buyers are a core part of our work. Your available LTV, documentation and affordability assessment will depend on your country of residence, income and the selected bank.
Do you guarantee approval or a specific rate?
No responsible broker can guarantee approval before a bank assesses the complete file and property. We can identify suitable lenders, compare proposals and make the application clearer and stronger.
When should I speak to a broker?
Ideally before signing a binding purchase commitment. An early assessment gives you a realistic financing range and shows which conditions need to be resolved before you apply.