MORTGAGE

Your mortgage, with someone on your side through to completion

We negotiate with 9 partner banks and bring you the offers to compare. Our fee is paid by the bank.

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WHO IT'S FOR

This mortgage is for you if...

Four scenarios where we make a difference.

You are buying your first home and want to know how far you can go.
You are moving house and need to line up the sale of your current home with the new purchase.
You want to buy to let and get the most from the investment.
You already have an agreement in principle from one bank and want to compare it with more offers.

WHAT'S INCLUDED

What is included when you work with us.

Negotiation with several banks

We submit your file to the banks that best match your profile. You receive formal offers to compare.

Handling the tied insurance

We negotiate the life and buildings insurance the bank requires, keeping the cover and working to lower the premium.

With you through to completion

We are with you from the first phone call to completion day, lining up dates and sorting out whatever comes up.

Fee paid by the bank

FINOVA’s fee is paid by the bank you choose, after completion.

PROCESS

How the mortgage process works.

01
Diagnosis
A 30-minute conversation to understand your goals, your financial capacity and the possible scenarios.
02
Documentation
We gather the paperwork and build a solid file to present to the banks.
03
Negotiation
We submit to several banks and negotiate the spread, term, insurance and fees.
04
Decision and completion
We compare the final offers and stay with you until completion day.

See the full process

DOCUMENTATION

Documents to get started.

The essential checklist. With all of this in hand, we can submit to the banks within a week.

See the full checklist

ID document (Citizen Card or passport) and Portuguese tax number (NIF).
Income tax (IRS) returns for the last 2 years.
Your last 3 payslips (or equivalent proof of income).
Bank statements for the last 3 months.
Credit liabilities report (CRC), issued by Banco de Portugal.

BANKS

We compare against the main banks operating in Portugal.

CGD
BPI
Novobanco
UCI
ABANCA
Crédito Agrícola
Santander
Bankinter
Banco CTT

COMMON QUESTIONS

Mortgages

Can’t find your question?

Browse the guides or write to us. We reply within 48 hours.

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As a rule, banks finance up to 90% of the valuation for a first home you will live in, and 80% for a second home or a buy-to-let. The final affordability ratio typically stays within 35% of net income.

Typically 4% to 8% of the purchase price: IMT (property transfer tax), stamp duty, registration, notary fees and bank charges. We give you a precise estimate before completion.

Yes, and it is a good moment to bring us in. We compare the agreement in principle with offers from other banks, with no commitment. You decide with more information.

Typically 4 to 8 weeks. Gathering your documents is the slowest step; the property valuation can take 1 to 2 weeks; the rest runs in parallel.

It is rare, but possible in specific cases (the young buyer mortgage with the State guarantee, for example). For a standard mortgage, planning for a 10 to 20% deposit is more realistic.

SERVICES