Can I see multiple offers and choose for myself?
The decision is always yours. Our job is to lay the offers side by side, in comparable terms, and explain the costs and implications of each.
In this guide
Several offers, one decision — yours
We take your case to several banks and bring back the offers. We present them clearly and comparably, with the terms, costs and implications of each. The client always chooses.
Comparing on equal terms
Deciding on the opening payment alone is misleading. We line up the spread, the APRC, the total amount payable, the insurance and the fees, so you compare what you will actually pay.
Why the comparison changes the call
Two banks can offer similar payments and quite different total costs, because of insurance or tied products. It is the detailed comparison that reveals the better-balanced offer.
Worked example
Two banks quote €750/month. They look identical — but Bank A requires a pricier life policy, adding €8,000 to the total cost versus Bank B. Side by side, the choice becomes obvious. (Example figures.)
Sources
Susana Vasconcelos
- Intermediária de crédito autorizada pelo Banco de Portugal n.º 0008496
- Mais de 10 anos na banca