A Portuguese mortgage, explained by someone who used to approve them.
25 years inside Portuguese banking — including running a branch — now working only for you, comparing offers across banks instead of selling one.
I spent 25 years on the bank's side of the table. Now I sit on yours.
Before becoming an independent broker, I spent over two decades in Portuguese banking, including running a branch that was recognised as the best-performing in the country. I know exactly how a bank decides whether to approve a mortgage — because I used to be the one deciding.
Today I work for you, not for a bank. I compare offers across the market, translate the process into plain English, and give you one clear recommendation instead of a confusing spreadsheet of options.
Non-resident specialist
Every client I take on is buying from abroad — I don't split my attention with local, resident cases.
One recommendation, not a list
I compare the banks so you don't have to, then tell you plainly which offer to take.
English, start to finish
Every document, call and email is in English, translated from the actual Portuguese paperwork.
Regulated, independent
Registered credit intermediary with the Banco de Portugal — verifiable, not self-declared.
What it's like to work with me
"Portugal is a wonderful place for those looking for a new beginning in life. However, its bureaucracy can be overwhelming at best. We were so grateful to have Luís helping us go through all the hurdles. His patience, calmness and knowledge of how the system 'works' is unparalleled."
"For foreigners, it is always a challenge to buy real estate abroad, but Luís really helped us fantastically. He was incredibly helpful, patient and always quick to reach when we had questions. He coordinated the whole process excellently."
"Luís is a fantastically clear and helpful person. He allowed me to understand all the processes and was very patient with me taking some days to send information. Extremely professional and an overall very nice person."
"Luís helped me have a great experience doing a mortgage for the first time in Portugal, making sure we picked the best offer for our finances. I asked more than 100 questions, and he is really good at what he does."
"It was amazing working with the team. They made the whole process easy, understandable, and answered any question I had quickly."
"We had already worked with Luís on our original mortgage, so when it came time to consider a transfer, we didn't hesitate to contact him again. A truly excellent, competent and attentive professional — we know our interests are in good hands."
Watch me walk through the process
Short videos on Portuguese mortgages, buying as a non-resident, and what to expect — filmed the same way I'd explain it on a call.
See the full playlist on YouTubeNotes on credit, buying, and living in Portugal
New, short and specific — written for people buying from abroad, not for search engines. A new note goes up most days.
Talk it through before you commit to anything.
A 20-minute call is enough to tell you whether Portugal's mortgage market will work for your situation, and what it will realistically take.
Book a free call
Already know you want to move forward? Start your application
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