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

4.9/5 overall rating

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

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