Discover the unique experience of living in Portugal
Leave the financing to us. Our team of private assessors will closely follow your entire mortgage loan process, in English.
Excellent and personalised guidance
Hands-on support in English during the entire process
Negotiating the best possible deal
With close attention to your expectations
Fast decision-making
No risk of losing the best opportunity
Why work with Doutor Finanças?
Finding the best tailor-made solutions for your mortgage can be a bureaucratic, time-consuming process, especially if you are a foreigner. That’s why we have a dedicated team just for buyers like you. With special access to the largest Portuguese banks, we negotiate the best terms for you and work hard to secure the most favourable offer. Our tech plus the knowledge of our experts guarantees a smoother, speedier process. Save precious time while we handle the paperwork for you.
Fluent in Mortgages and in English
Our team of private mortgage experts will analyse every detail. When you start the process with us, you will receive dedicated, exclusive personal attention to make sure that you are fully up to speed. This includes a feasibility analysis, collection of documentation, breakdown of your needs, risk analysis, dealings with the bank, signing of the deeds and the formalities for the purchase of your home. Your needs and expectations are our goals and we will celebrate every step forward with you.
Can foreigners take out a mortgage in Portugal?
Yes, they can. As a foreigner, you can apply for a mortgage to buy a primary residence, a holiday home, or even an investment property — anywhere in the country. You don’t need to work in Portugal, just to obtain a Portuguese Tax Identification Number (NIF).
This could be a very interesting, advantageous scenario for you. Not only would you not be decapitalised, but you would also get a return on your money. Our team of experts will guide you through every step of the process until you have the keys to your new home. Your mission? Get ready to enjoy the best that Portugal has to offer.
How we can help you
We will be with you every step of the way until you are holding the keys to your house.
Use the form below to sign up
Your private assessor will give you a call to find out your requirements
We put together the necessary information and build a solid approach to your needs
We negotiate the banks' proposals and help you choose the best offer
Please fill out the form below so we can assist you. It only takes 1 minute.
Frequently Asked Questions
We work in partnership with the main banks, finance, and insurance companies, which provides us with access to special channels. What we do is negotiate with banks and insurance companies until we get the best mortgage offer for you. Yes, because getting the best mortgage is about negotiating all the terms, from the loan itself to the insurance and associated products.
A credit intermediary is a person or company that mediates between you and the bank. Credit intermediaries are registered with the Bank of Portugal and need the regulator’s authorisation to do business. We handle the mediation between the customer and the bank. We assist in obtaining the necessary documentation. We answer all our customers’ questions as we analyse and obtain the mortgage loan and associated products to ensure that they make the right financial decisions. In short: Doutor Finanças deals with all the bureaucracy, in a simple, effective way and at no cost to you! If you want to find out more about the service provided by Doutor Finanças, we recommend the article “The best customer experience in the service of financial wellbeing.”
No. We take care of all the paperwork and negotiations for you. Our guide will tell you all you need to know about mortgages.
Our advice and follow-up service is completely free of charge for customers. We receive a small commission from the lending bank. But don’t worry, we don’t choose the best mortgage based on the commission, just the best terms for you. For us, the customer always comes first.
It’s crucial to make sure you have everything you need for your mortgage to be approved. In other words, if there is anything that affects your credit rating, you will not be able to get a mortgage. Try to provide as much information as possible, without omitting any relevant facts, because the bank will find out the details when they assess your file. We’ve put together some tips to get your mortgage approved and prepared a guide providing all the information you need.