Which bank has the best offer? I compare. The final decision is yours.
I analyse your mortgage, debt consolidation or personal loan across several partner banks. I compare proposals and negotiate terms. My job is to find the best option for your specific case. I am with you from the first contact through to the deed.
An estimate in seconds.
Free support at every stage.
Move the sliders to see the estimated monthly repayment. It's a reference calculation. The final figure depends on the bank, the property, your own terms and the work we put in.
French method calculation (constant annuity) with reference 12-month Euribor (3.247%, Sep 2026 average, source ECB). Does not include life and multi-risk insurance, opening fees, IMT or IS. For an actual simulation, please request a personalised analysis.
Credit services
Buy, renegotiate
or transfer a home loan
Analysis of spread, APR and effort rate with comparative proposals from several banks.
See mortgage services → 02 · Debt ConsolidationMerge loans
into one payment
Reduce total monthly repayment by consolidating active loans into a single loan.
See consolidation → 03 · Personal LoanA project,
a clear rate
Home renovations, vehicle, education, unforeseen expenses.
See personal loan →Loans are not just numbers.
They are processes that weigh on family decisions: buying a home, getting breathing room from several loans, dividing a property after an inheritance or a divorce, or wondering if you're paying more than you should.
Most people speak only with the bank where they already hold an account. And naturally, that bank offers only its own terms. There’s no one on the other side of the counter comparing options on your behalf.
That's where my work comes in: I compare proposals from several banks, explain what each option means in practice, and support you until the final decision, with clear information and no technical language.
This is the average the law requires for mortgages, not the daily quote (Bank of Portugal Notice 3/2020).
Four kinds of credit.
One person following each step.
Buy a home
Debt-to-income analysis, comparison across banks, spread and APR explained. I follow it from the simulation to the deed.
Mortgage credit →Review your mortgage
Already have a mortgage? I check your current spread and tell you whether renegotiating or moving bank is worth it.
Renegotiation →Merge it all into one instalment
Several loans active? I bring them into a single lower instalment, over a longer term, with less monthly pressure.
Debt consolidation →A concrete project
Home renovations, an unforeseen expense, a project. I compare rates across institutions for the amount and term you need.
Personal loan →One bank only.
Or someone who compares for you.
The difference is not only the monthly instalment. It is the time, the paperwork and the proposal that never reached you because no one went to fetch it.
Going alone to
your usual bank
- A single proposal, from the bank where you already are a client.
- Standard terms, without clear margin for negotiation.
- Paperwork managed by yourself: documents, valuation, deadlines.
- Comparison with other banks left to the customer.
- If credit is rejected, you start from scratch elsewhere.
- No second opinion on the final terms.
Comparative analysis
with Pedro Fernandes
- I ask several partner banks for proposals in parallel.
- I negotiate the spread and the fees.
- I collect and submit the paperwork with you.
- I show instalment, APR and term side by side.
- If one bank rejects, the other processes remain active.
- I explain everything before you sign, with no surprises.
From first hello
to deed signing.
Initial conversation
15 minutes, in person or by phone. I understand your case, with no commitment.
Document collection
ID, IRS, pay slips, credit map. I handle the essential with you.
Market analysis
I compare available terms across several banks for your specific case.
Proposal explained
Options in plain language: spread, APR, instalment. What changes in each proposal.
Formalisation
Deed signing, transfer or approval. I’m with you all the way until the contract is signed.
Three families.
What changed in each instalment.
I went to three banks alone, each told me something different. With Pedro, I had three proposals compared on the same sheet, in two weeks.
I had four loans simultaneously. Total monthly repayment dropped nearly €200. Today I sleep at night.
I was paying a 1.8% spread on a 2019 loan. I moved banks and dropped to 0.95%. With no stress and no technical jargon.
Based in Fafe.
Working across the whole region.
In-person service in Fafe and support at a distance in the neighbouring municipalities. Video call available for a first conversation.
Before you start,
the most common questions.
What is a credit intermediary?
A professional registered with the Bank of Portugal who compares proposals from several banks on behalf of the person taking the credit, instead of leaving them to negotiate alone with a single counter. That is what I do: I handle the analysis, the comparison and the follow-up through to completion.
Does using a credit intermediary cost me anything?
In my case the service is no direct cost to you. The exact remuneration and the legal framework that applies are set out on the About page and in the footer of this site, as the Bank of Portugal requires.
What is the difference between a tied and a non-tied credit intermediary?
I am a tied credit intermediary, which means I work with a defined set of partner banks. A non-tied intermediary has no such tie. Only non-tied intermediaries may legally use the word “independent”. This information is always stated plainly on the About page and in the footer, as the law requires.
How do I know this service is trustworthy?
Every credit intermediary has to be registered with the Bank of Portugal, with a public registration number you can verify at bportugal.pt. Mine is number 0007396, and it is in the footer of every page on this site.
How long does the whole process take?
It depends on the type of credit. A consolidation can be pre-approved within days; a new mortgage, from simulation to deed, typically takes a few weeks to a couple of months, depending on the property valuation and how quickly the banks answer.
Do you work with clients across the north of Portugal?
Yes. The office is in Fafe, but I work regularly with clients from Guimarães, Braga, Póvoa de Lanhoso, Cabeceiras de Basto, Famalicão and the wider metropolitan area. Video calls are available for a first conversation.
What happens if a bank turns my application down?
Because I submit to several banks in parallel, one refusal does not stop everything. We carry on with the institutions that accept and reassess the terms. If all of them refuse, I explain why and what can be done to improve the credit profile for next time.
I work abroad. Can I still buy a home in Portugal?
Yes. It is one of the cases I handle most. Banks accept income declared outside Portugal, but each one asks for different proof and some finance a lower share of the property value. The country, the type of contract and how long you have been employed all count. I run the process remotely, by video call and with documents by email, and you only need to be here for the deed. Having a Portuguese tax number and a tax representative already in place moves things along.
The property comes from an inheritance or a divorce. Does that change anything?
It does. That is where most applications stall. An unfinished estate, an ex-spouse still on the deed or an heir who is a minor bring documents and deadlines that no simulator accounts for, and that a bank counter rarely flags in advance. I handle these cases regularly: I check first what is missing at the land registry and the tax office, I say straight away what has to be settled before anything moves, and I work alongside your solicitor when that is needed. It is always worth talking before you sign the promissory contract.