+351 935 275 011
ola@loancierge.eu
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Mission


Our mission is to help foreigners living in or investing in Portugal understand and secure the right mortgage with clarity, transparency, and confidence.
We simplify the Portuguese mortgage process for foreign buyers and residents through education, independent guidance, and access to multiple banks — empowering our clients to make informed financial decisions when buying property in Portugal.

Mortgage for Foreigners
    How It Works
    Check your eligibility

    We start by understanding your situation — whether you live in Portugal or are buying from abroad.

    This helps confirm how much you can realistically borrow and what banks may suit you..

    Prepare your documents
    We guide you on exactly which documents are required and how to prepare them correctly to avoid delays.
    Compare bank options
    We compare mortgage offers from multiple Portuguese banks to find the best option for your profile — not just the first approval..
    Apply and get approved
    Once you choose the best offer, we submit the application and manage the process with the bank until approval.
    Complete the purchase

    After approval, the mortgage is finalised and the deed is signed.

    You become the owner — with no surprises along the way.

    Why this approach works

    • Clear expectations from the start
    • Fewer delays and misunderstandings
    • Independent bank comparison
    • Guidance at every step
    Get Pre-Approved ✍️
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    Portugal Mortgage Simulator

    Mortgage Simulator (Portugal)

    Loan amount
    —
    Upfront cash (est.)
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    Monthly (first 3 years @ 2.7%)
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    Monthly (after year 3)
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    Taxes & duties (estimate)
    IMT—
    Stamp duty (purchase 0.8%)—
    Stamp duty (mortgage)—
    Total taxes—
    Estimates only. Excludes insurance, bank fees/commissions, notary/legal costs, valuation, and bank-specific conditions.
    FAQ's
    • What' s a mortgage broker?
      A mortgage broker acts as a middleman between you and potential lenders. The broker's job is to compare mortgage lenders on your behalf and find interest rates that fit your needs. Mortgage brokers have stables of lenders they work with, which can make your life easier.


    • Are mortgage brokers licensed?
      Mortgage brokers are licensed and regulated financial professionals (in Portugal by Banco de Portugal) who do a lot of the legwork. They gather documents from you, verify your income and employment, using the information to help you apply for loans and negotiate terms in a short time.

    • How does a mortgage broker gets paid?
      Mortgage brokers are paid by lenders. The law also prohibits mortgage brokers from charging hidden fees or basing their compensation on a borrower's interest rate.
    • Is a mortgage broker right for me?
      You can save time by using a mortgage broker; it can take hours to apply for preapproval with different lenders, then there's the back-and-forth communication involved in underwriting the loan and ensuring the transaction stays on track. A mortgage broker can save you the hassle of managing that process.
    • Why should I choose your company?
      We have already a vast experience with foreign costumers. We have the knowledge and the will to always find the best solutions to our clients.
      And more important than that we have the portuguese professional licensing that states our professional ability.
    About

    My name is Eduardo Fernandes.
    I have been working as a Credit Intermediary since 2018, specialising in supporting foreign clients with mortgages in Portugal. My approach is guided by a commitment to go beyond expectations, combining clear explanations, transparency, and expert guidance to help clients make confident, informed decisions.
    Loancierge
    Eduardo Fernandes
    + 351 935 275 011
    ola@loancierge.eu
    Avenida Marechal Humberto Delgado, 12
    4760-012 Famalicão
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