Mortgage Loan Portugal

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.

Hands-on support, in English, until you are holding the keys to your home
Excellent, personalised guidance
Living up to your expectations
Negotiating the best deal with the banks

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, exclusive department just for buyers like you.

We have special access to the largest Portuguese banks, which means we can negotiate the best financing terms for you. We do our utmost to achieve the most favourable offer for you and free you up from all that paperwork.

Our technology plus the knowledge of our mortgage experts guarantees a simpler, speedier process. Save precious time while we handle the business side for you.

We speak fluent English and mortgage loans are what we do!

Our team of private mortgage experts will analyse every detail of your needs.

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.

Buying a house in Portugal: can foreigners take out a mortgage?

Yes they can. As a foreigner, you can obtain a loan to buy a permanent home, holiday home or even as an investment, anywhere in the country.

But do I need to work in Portugal? No, you only need to get a Portuguese tax identification number (NIF), even if you are only buying a house in Portugal for investment purposes. 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.

Talk to us and we will provide all the assistance you need until you have the keys to your new house. Your only job will be to get ready to enjoy the best that Portugal has to offer.

What assistance do we provide?

Use the form below to sign up

Use the form below to sign up

Your private assessor will give you a call to find out your requirements

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 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

We negotiate the banks' proposals and help you choose the best offer

We will be with you every step of the way until you are holding the keys to your house!

We will be with you every step of the way until you are holding the keys to your house!

Please fill out the form below so we can assist you. It only takes 1 minute.

Doutor Finanças will provide:

  • Personalised guidance in English
  • Access to the most competitive, appropriate proposals
  • Better insurance quotes
  • Less red tape and save precious time
  • Service that is completely free of charge to you

I want to thank the whole team for their professionalism and dedication throughout the process right up to the day of signing. The whole team was very friendly, organised, and clear in all details. I recommend it!

António Figueiredo

A very helpful team from start to finish. Always very careful and attentive in helping the customer to find the best solution. I recommend them 100%. Simple and quick procedure

Mafalda Lima

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Doutor Finanças will provide:

  • Personalised guidance in English
  • Access to the most competitive, appropriate proposals
  • Better insurance quotes
  • Less red tape and save precious time
  • Service that is completely free of charge to you

I want to thank the whole team for their professionalism and dedication throughout the process right up to the day of signing. The whole team was very friendly, organised, and clear in all details. I recommend it!

António Figueiredo

A very helpful team from start to finish. Always very careful and attentive in helping the customer to find the best solution. I recommend them 100%. Simple and quick procedure

Mafalda Lima

Frequently Asked Questions

01

How do you ensure that these are the best terms in the market?

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.

02

What is a credit intermediary?

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.

03

Find out more in: “What is a credit intermediary?”

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.”

04

Is the process complicated for me? Is there a lot of red tape involved?

No. We take care of all the paperwork and negotiations for you. Our guide will tell you all you need to know about mortgages.

05

If I have no associated costs, what do you stand to gain from providing this service?

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.

06

How can I improve the likelihood of getting my mortgage approved?

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.

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