Lower Your Mortgage Rate Today
Update your monthly payments with the best rates on the market and a mortgage duration that suits your project better.
01
Schedule a Free Consultation
First, book your free consultation—either in person at our office or via video call. We’ll assess your mortgage needs and guide you through the best refinancing options.
02
Calculate Your Remaining Capital
Next, we’ll review your remaining mortgage balance to determine if repurchasing your mortgage will save you money. Our advisors will provide personalized insights to help you make an informed decision.
03
Find the best rates
Then, our team works diligently to secure the best mortgage rates available. Typically, we obtain agreements with our partner banks within 2 to 10 working days, giving you a fast and efficient solution.
04
Get Your Quote
Once you’re satisfied with the mortgage conditions we’ve negotiated, we’ll assist you in opening the necessary bank account and organizing the property appraisal.
05
Bank Account Opening + Appraisal
The property appraisal ensures that the market value aligns with the loan conditions. This step is crucial for finalizing your mortgage, and we’ll coordinate it seamlessly on your behalf.
06
Finalize Your New Mortgage
Finally, we’ll guide you through the entire process up to the Final Deed, ensuring that everything is handled efficiently and marking the successful completion of your mortgage project.
How can I refinance my mortgage in Portugal to save money?
Life Insurance
Life insurance is an integral part of the mortgage process, and it’s often overlooked when it comes to negotiation. At PORTUGAL MORTGAGE, we can help you negotiate life insurance independently from the bank, potentially saving you significant money. We also offer better coverage options, ensuring you get the guarantees that best fit your needs. Don’t let life insurance become an unexamined expense—let us help you reduce costs and secure the proper protection.
Mortgage interest and duration
The mortgage market constantly changes, and your current bank may only sometimes offer the best conditions. We stay up-to-date with the latest offers from various banks to help you reduce your interest rates and potentially extend your loan duration. Sometimes, we can even offer mortgage solutions without life insurance, depending on your circumstances.

Schedule a Free Consultation
Meet with one of our expert mortgage advisors to review your current loan. We’ll explore the best options tailored to your situation and ensure you understand the refinancing process. No commitment is required; it is just an opportunity to learn how to save.
Calculate Your Remaining Capital
The first step in evaluating your refinancing options is understanding your financial situation. During your consultation, we’ll assess your remaining mortgage capital to determine if repurchasing your loan could save you money.
We recommend reviewing your mortgage regularly to ensure you get the best terms. If staying with your current lender is the optimal solution, we’ll advise you on their best offer.


Find the Best Rates
Based on your remaining capital and financial goals, we will research the market for the best mortgage rates. Our team will help you renegotiate your loan with better terms and potentially extend your loan duration to fit your needs.
We can explore adding a second mortgage line to free up capital for other investments if applicable. Depending on your situation, approval typically takes 2 to 10 working days.
Present Your Tailored Offer
We will present your customized mortgage offer once we’ve secured a favorable agreement. If you’re satisfied, we’ll open your new bank account and arrange the property appraisal, known as the “Avaliação.” This appraisal ensures the property’s value aligns with the market price and is crucial in finalizing the loan.


Bank account opening + Appraisal
Once the bank agreement is in place and you’re happy with the terms, we’ll help you open the bank account and coordinate the property appraisal (Avaliação). This step lets the bank confirm the property’s market value, ensuring everything is ready for your new mortgage.
Finalize Your Mortgage: Signing the Final Deed
The bank will issue the final loan offer if the property’s value matches the purchase value. The final loan offer typically occurs within a few days of the appraisal. You’ll then be able to sign the final deed within eight days of receiving the offer, marking the successful conclusion of your refinancing process.
Our team at PORTUGAL MORTGAGE will guide you throughout the process to ensure everything runs smoothly up to the final deed.

Ready to Save Money on Your Mortgage?
Don’t wait—let us help you secure better rates and reduce your monthly payments. Schedule a free consultation today with one of our expert mortgage advisors.
What Our Customers Say
Joao, Paulo and the rest of the team have been absolutely amazing. Being foreigner who does not speak the language, I would have been lost without them. Best of the best service you can hope for.

Victor Levy
Had the best experience! João Almeida Gonçalves has been a tremendous help in our quest for a real estate property in Portugal. We did the whole consultation online as we are not from Portugal, which worked just perfect.

Svenja Engelhard
João is simply the best. He was lightning-quick, delivered me a spreadsheet of options within a day, and smoothly navigated getting me to a far better financial situation than I was in before I contacted him.

Heather El
Frequently Asked Questions
What documents are required?
The required documents may vary based on your circumstances, but typically include:
– Passport or identity card.
– Portuguese Tax Identification Number (NIF).
– Last tax return.
– Proof of savings.
– Bank statements.
– Employment Contract and Pay Slips or documentation that verifies your professional activity
What are the deed costs in Portugal?
When purchasing property in Portugal, deed costs typically range from 5% to 10% of the property’s purchase price. The main costs include:
– IMT: Municipal Property Transfer Tax is the municipal tax that varies according to the purchase price.
– IS (Stamp Duty): Calculated as 0.8% of the purchase price.
ISUC (Stamp Duty on the Use of Credit): Charged when taking out a mortgage equal to 0.6% of the loan amount.
– Bank and Notary Costs: Additional costs range from €1,500 to €2,000, depending on the bank and notary.
How much down payment do I need to buy in Portugal?
To purchase property in Portugal, you’ll need a minimum down payment of 10% in addition to the purchase costs. The exact amount required depends on factors like:
– Type of purchase
– Residency status
– Your financial situation
I don’t speak Portuguese, is that a problem?
No, it’s not a problem at all! At PORTUGAL MORTGAGE, brokers speak both English and Portuguese, ensuring smooth communication.
I live abroad, can I still purchase a property in Portugal?
Yes, living abroad is not a restriction for purchasing property in Portugal. While it may affect the characteristics of your mortgage, PORTUGAL MORTGAGE has financed several projects foreign buyers.
Which is the best bank to buy in Portugal?
There is no one-size-fits-all answer, as each bank offers different benefits. At PORTUGAL MORTGAGE, we have built strong partnerships with several Portuguese banks to match the best financing option to your unique situation. Our partners include:
– Crédito Agrícola
– Novo Banco
– CGD – Caixa Geral de Depósitos
– Banco BPI
– Bankinter
– Eurobic
– Santander
– Banco CTT
– Abanca
– UCI, among others.