A face, an address, a phone that answers.
I’m Pedro Fernandes, a credit intermediary based in Fafe, Portugal. With my team, I support families and individuals in in northern Portugal who often end up going from bank to bank, losing time and trying to decode financial language that was never meant to be clear.
I started working in credit because I saw families dealing with dense contracts, full of clauses and small print, while going from bank to bank with no clear guidance on what actually mattered.
I see my role as that of someone who makes things clear. I turn the banks' technical vocabulary into plain language, explain what each instalment really does to a budget, and show openly what a spread means over the years.
I promise no miracles, and no miracle rates. But I guarantee that when you sign, you will know exactly what you are taking on and why this proposal makes more sense than any other.
Your case is handled
by the whole team.
The person who looks after you is always the same, but behind them is a structure that keeps every stage moving. No waiting, no documents left behind and no silence from the banks.
Pedro Fernandes
Follows your case from start to finish: analyses it, compares bank proposals, negotiates terms and reads every clause of the contract before putting it in front of you.
Tânia Ribeiro
Organises all the paperwork and handles the submission to each bank. The steady presence that ensures every detail is handled and nothing ever waits on a document.
You never have to explain it all over again.
Conversations, documents and offers are all recorded in your file. Whoever picks up the phone already knows exactly where your case stands.
Four principles.
Every meeting has a purpose.
Total transparency
You get every proposal from the partner banks, with values, rates and fees. No missing proposals, nothing hidden. Everything clear, so you choose with confidence.
No pressure
I'm not a salesperson. If the best decision is to wait, that is what I say. The analysis is free and means exactly that: a honest assessment, with no pressure and no strings.
Real presence
In-person service in Fafe. Video call for neighbouring municipalities. Whenever you call there is a person on the other end, not a machine.
From start to finish
The support does not end at approval. I am there until the deed or formalisation, and I stay available for anything that comes later.
Based in Fafe.
Working throughout the region.
In‑person service in Fafe. In neighbouring municipalities, I travel when the case justifies it or turn to video call for first contacts.
Three steps.
An answer in 24 hours.
Fill it in under two minutes and you receive a first analysis by email, at no cost, no commitment and nothing hidden.
Office in Fafe,
easy to find.
Travessa Parque da Cidade nº 22, 4820-139 Fafe, Portugal. Free parking nearby. Next to the City Park and 5 minutes from the historic centre.
Four ways
to contact me.
Office in Fafe
Travessa Parque da Cidade nº 22
4820-139 Fafe · Portugal
Hours: Monday to Friday, 9am–7pm. Saturdays by prior appointment.
Direct line
+351 916 012 968
Monday to Friday, 9am–7pm. If unavailable, leave a message and I return the call the same day.
For documents and details
info@pedrofernandescredito.pt
Reply in 24 business hours. Attachments up to 25 MB.
For quick queries
+351 916 012 968
For quick questions, sending images of documents or arranging meetings.
What the law requires
you to know about me.
The RJIC (Decree-Law 81-C/2017) requires every credit intermediary to make this information available to consumers. You will find all of it clearly presented here, on its own page and in the footer of the site — always within reach.
01 · Name and professional address.
Pedro Fernandes, credit intermediary, with office at Travessa Parque da Cidade nº 22, 4820-139 Fafe, district of Braga, Portugal.
02 · Bank of Portugal registration.
Registration No. 0007396. Public and verifiable at bportugal.pt/intermediariocreditoconsumidor.
03 · Category of credit intermediary.
Tied credit intermediary (art. 8 RJIC).
04 · Exclusivity regime.
not applicable (operates with multiple lenders).
05 · Authorised services.
Presentation or proposal of consumer credit contracts. Consumer assistance for pre-contractual acts related to credit contracts. Does not provide advisory services (unless otherwise stated).
06 · Lenders with binding contract.
NOVO BANCO, S.A.; CAIXA GERAL DE DEPÓSITOS, S.A.; BANCO SANTANDER TOTTA, S.A.; BANCO BPI, S.A.; BANCO CTT, S.A.; BANCO BIC PORTUGUÊS, S.A.; ABANCA CORPORACIÓN BANCARIA, S.A., SUCURSAL EM PORTUGAL; BANKINTER, S.A. — SUCURSAL EM PORTUGAL; UNION DE CRÉDIT IMMOBILIERS, S.A., ESTABELECIMENTO FINANCEIRO DE CRÉDITO (SOCIEDAD UNIPERSONAL) — SUCURSAL EM PORTUGAL; SICAM CAIXA CENTRAL E CAIXAS DE CRÉDITO AGRÍCOLA MÚTUO
07 · Price to be paid by the consumer.
Intermediary support has no direct cost to the consumer. The intermediary remuneration is paid by the lenders.
08 · Fees payable to other entities.
The intermediary charges no fee. The consumer may bear fees due to credit institutions (dossier opening, valuation, deed, etc.), taxes (IMT and IS) and property registration costs.
09 · Professional civil liability insurance.
Contracted in legal terms by Be At Real Estate, Lda., with coverage in accordance with the legal minimum amounts: €460,000 per claim and €750,000 per year for mortgage.
10 · Internal complaints procedure.
Complaints may be submitted in writing to the address above or by email to reclamacoes@pedrofernandescredito.pt. Treated within maximum 15 business days. Electronic complaints book at livroreclamacoes.pt.
11 · Alternative Dispute Resolution.
Under Law 144/2015, the consumer may resort to: CNIACC, the National Centre for Information and Arbitration of Consumer Disputes,; and CIMAAL, the Consumer Dispute Centre of the Algarve,. Adherence to at least two entities is mandatory.
12 · Legal limitations.
A credit intermediary cannot: (i) receive or deliver amounts related to the formation, execution or early fulfilment of credit contracts; (ii) conclude credit contracts on behalf of lenders. A credit intermediary is also not itself a lender. It cannot grant credit.
13 · Supervision.
The activity of credit intermediaries is subject to the behavioural supervision of the Bank of Portugal, under the Credit Intermediaries Regime (RJIC).