Home Financing, Guided by Experts

A credit intermediary is an entity authorised by Banco de Portugal that acts as a link between the client and several financial institutions, helping to find and compare credit offers. In practice, instead of contacting several banks individually, the intermediary analyses different solutions at the same time, compares conditions on a like-for-like basis and helps interpret the real impact of each offer. For example, two banks may show similar monthly payments but still have meaningful differences in total cost because of insurance, fees or linked conditions. A comparative analysis helps identify the most balanced proposal. This means a credit intermediary helps reduce effort, avoid incorrect comparisons and support more informed decisions throughout the process.

We are paid by financial institutions as credit intermediaries authorised by Banco de Portugal. For you, the service has no direct cost. In practice, this means you can analyse and compare several credit offers without paying for the advisory work, while keeping full visibility over the conditions being presented. For example, you may receive offers from different banks with different terms and understand clearly which one has the lower total cost or the better balance between monthly repayment, insurance and fees. Our role is to explain those differences transparently, so you can make an informed decision that fits your case.

Mortgage credit requires rigour, but it does not have to be complex. At FINOVA, we organise the documentation, validate the process before submission, handle communication with the banks and explain each stage clearly. In practice, this means you avoid repeated document requests, process errors and unnecessary delays, while following the whole process with greater predictability. For example, an incomplete file may lead to additional bank requests and delays in approval. By preparing everything in a structured way from the start, the likelihood of rework is reduced and the assessment moves faster.

Absolutely. The decision is always yours. Our role is to present the different offers in a clear and comparable way, explaining the conditions, costs and implications of each one. In practice, this means you can compare offers on a like-for-like basis and avoid decisions based only on the initial monthly payment. For example, two banks may show similar monthly payments but still have meaningful differences in total cost because of insurance, fees or linked conditions. A more detailed analysis helps identify the most balanced proposal.