I handle the whole process remotely: the first conversation is a video call, documents travel by email, and you only need to be there for the deed. When the case calls for it, I come to Guimarães.
In Guimarães, having plenty of counters nearby does not help: talking to all of them takes a week of mornings, and almost nobody has that week to spare.
Three types of cases reach me from Guimarães more than any other: first‑time buyers; mortgages taken ten years ago with spreads no bank offers today; and renovation works in the historic centre, where valuation follows its own rules. Each one follows a different path.
Fifteen kilometres separate us, and in practice you never notice the distance. What changes your case isn’t the distance to my office, it is the number of banks answering at the same time.
Documents arrive by email and your case goes out to several banks that same day. The only trip you make is to the notary, on the day of the deed.
Mortgage →Send me your responsibility map, I read it, and within two days I tell you how far the instalment drops if we merge everything. Without you leaving home.
Debt consolidation →Home renovations, a car, a course. I submit your case to several banks at once and show you the answers side by side, by email.
Personal loan →I run your case past the partner lenders I work with without you setting foot in a single branch: Santander Totta, BPI, Caixa Geral de Depósitos, Novo Banco, Banco CTT, ABANCA, UCI. I compare terms, negotiate spread, and present the proposals side by side.
Just the essentials. Pedro will contact you within 24 business hours with an initial review of your case.
Three fields, one click. You’ll receive a confirmation email with your reference.