08 Financing Strategy

A specialized broker saves you time and money. They negotiate the best rate and credit conditions for you with various banks. They leverage their experience and banking partnerships to secure conditions that are not available directly to consumers, providing complete support throughout the entire purchase process.

When I introduce you to one of our financial partners, there are no brokerage fees to pay. The service is completely free for you. I’m compensated directly by the partner financial institutions through a referral commission, so there’s no additional cost on your side—and they don’t charge you any fees for this service either.

Foreign financing presents complications since international lenders cannot establish Portuguese guarantees. The displaced mortgage option exists but carries disadvantages and higher costs. We always recommend working with Portuguese banks to get the best conditions.

Notarial costs range between 5% and 10% of the purchase price in Portugal. They include IMT (municipal property transfer tax), IS (0.8%), ISUC (0.6%) and notarial expenses of approximately €1,500 to €2,000.

On average, from request to deed, the process takes between 4 to 8 weeks, depending on the complexity of the case and the speed of documentation delivery.

Absolutely not, my mortgage partner has teams of intermediaries who speak French, English, Portuguese and Spanish.

Absolutely, living abroad is not a restriction. My partner has financed over 1,000 projects in 5 years, including more than 400 for foreign clients.

Essential documents include passport or identity card, NIF, tax declaration, proof of savings, bank statements, employment contract and payslips. The list may vary depending on your situation.