BUYING
Mortgage
Buying your own home, a second home or a property to let. We negotiate the spread, the term and the tied insurance.
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REVIEW · INSURANCE
Mortgage insurance does not have to be expensive
We compare your current policies with several insurers. Same cover, lower premium. Your mortgage stays as it is.
WHO IT'S FOR
Reviewing your insurance pays off if...
Four signs.
You have a mortgage and the insurance was taken out through the bank more than 3 years ago.
You pay more than €30 a month for life and buildings insurance combined.
You are still with the insurer the bank imposed at completion.
Your buildings insurance has a high excess or cover you do not use.
WHAT'S INCLUDED
What we handle in the review.
Comparison
We compare your current policies with quotes from several independent insurers.
Same cover, lower premium
The goal is to keep (or improve) the cover the bank requires while lowering the premium.
Handling the cancellation
We handle the cancellation of the previous policy within the 14-day legal window.
Coordination with the bank
We confirm with the bank that the new policy meets the contractual requirements. No surprises.
PROCESS
How the review works.
- 01
Policy request
We ask for copies of your current policies and the bank’s contractual requirements.
- 02
Quotes
We request quotes from several insurers based on your profile and the cover required.
- 03
Decision
We compare premiums, cover and excesses, and recommend the combination that best balances premium and cover.
- 04
Transition
We handle the cancellation and the activation of the new policy. All managed by us.
DOCUMENTATION
Documents for the review.
Fewer documents than a mortgage. It is usually sorted in two weeks.
Current policies (life and buildings) in force.
Copy of the mortgage contract (to check the cover required).
Personal documents and the property tax record (caderneta predial).
Up-to-date health declaration (for the life insurance).
For smokers or specific conditions, a medical certificate may be needed.
BANKS
We compare against the main banks operating in Portugal.
COMMON QUESTIONS
Insurance review
Can’t find your question?
Browse the guides or write to us. We reply within 48 hours.
It depends on the analysis. The saving varies with your current premium, the age of the mortgage and the cover the bank requires. We compare policy by policy and show you the actual figure before any decision.
Yes, it is the most common case. The bank requires minimum cover, but it cannot oblige you to take out the policy with a specific insurer.
It can affect your spread. Many contracts discount the spread in return for taking the bank’s insurance: switch insurer and that discount may go, pushing the repayment up. So the analysis weighs the premium saving against any increase in the spread. Switching only makes sense when the balance is in your favour.
SERVICES
The right mortgage for every stage.
STATE-BACKED SCHEME
Young Buyer Mortgage
A State guarantee for buyers aged up to 35. It reduces the deposit and eases the way to a first home.
Learn more
SWITCHING
Remortgage
Move to another bank or renegotiate your current mortgage. We check whether it pays off and handle the process.
Learn more
BUILDING
Self-Build Mortgage
Building from scratch, extending or renovating. Funds released in stages, in step with the works.
Learn more
NEXT STEP
Not looked at your insurance in years?
A comparison with no commitment. If there is nothing to save, we tell you straight.