Free simulation
2-minute form. No commitment, no footprint on your credit history.
Your partner
understands.
Proximity and expertise in every credit request. Tailored solutions for families, businesses and partners — in plain language, no detours.
Partner institutions
We compare offers from partner financial institutions.
ABANCA PORTUGAL S.A.
BANCO CTT, SA
BANKINTER, SA - SUCURSAL EM PORTUGAL
BANCO BPI, SA
CAIXA CENTRAL DE CREDITO AGRICOLA MUTUO, CRL
CAIXA GERAL DE DEPOSITOS, SA
COFIDIS
NOVO BANCO, SA
BANCO SANTANDER TOTTA, SA
UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL
Credit types
Solutions that fit your life.
Mortgage
Purchase, transfer or renovation. We analyse offers from partner institutions and explain costs, terms and risks before the decision.
SimulateMortgage Transfer
Switch bank with potential reduction of your payment. We analyse rates, operation costs and real savings before moving forward.
SimulateAuto Loan
New or used, leasing or classic. Conditions that match your project and budget.
SimulateDebt Consolidation
Possible consolidation of loans into one instalment. Savings and total cost depend on the conditions approved by the lender.
SimulateHow it works
Straight to the point. Always.
Dedicated analysis
A Qredit broker studies your case, collects offers from partner institutions and compares the applicable conditions.
Explained proposal
We compare available offers, including rate, term, insurance, APR, total amount payable and associated charges.
End-to-end support
From contract to deed. We stay on your side even after approval.
Client stories
Who already said yes.
Pedro from Qredit explained the offer in plain Portuguese, including costs, terms and documentation before signing.
Marta & Ricardo
Mortgage · Braga
I consolidated several loans into one instalment after comparing total costs, term and household budget impact.
Helena S.
Consolidation · Porto
I transferred my mortgage after reviewing the ESIS, APR, total payable amount, insurance and operation costs with the team.
João Marques
Mortgage · Lisbon
Latest market news
See all PRESS
Sofia Cordeiro on CNN Portugal: most recent mortgages are shielded from rising rates
In an interview with CNN Portugal, against the backdrop of April inflation rising to 3.4% (driven by fuel prices), Sofia Cordeiro, mortgage credit intermediation specialist, stressed that most households who signed mortgages in recent years are shielded from the immediate impact of rising interest rates. The reason lies in the dominant contracting profile: fixed or mixed rate, rather than pure variable.
Read article MARKET
12-month Euribor in 2026: how to read the volatility
The 12-month Euribor moved again in 2026. On 30 April 2026 it stood at 2.848%, after starting January at 2.245% and April at 2.845%. For borrowers with indexed loans, the key is not guessing the next rate: it is understanding when the contract resets and how that affects the instalment.
Read article INCENTIVES
IMT exemption until 35: what changes for the first home
The young buyer IMT and Stamp Duty exemption was created for the first purchase of a primary permanent home by buyers aged 35 or under. It can materially reduce the cash needed at completion, but it depends on legal requirements and should be confirmed before making an offer.
Read article FAQ
Frequently asked questions
Is the Qredit service free? How does Qredit make money?
Yes, the credit intermediation service provided by Qredit is free for the consumer, as required by law. As a tied credit intermediary, Qredit is paid directly by the lending credit institutions with whom it has a tied contract — never by the consumer. This only applies to the intermediation service: the costs of the credit contract (interest, APR, fees, taxes, insurance and other charges) are set by the lender and are disclosed in the European Standardised Information Sheet (ESIS) provided before any decision.
Which financial institutions does Qredit work with?
We work with financial institutions in Portugal — traditional banks, digital banks, and specialised lenders. The application is submitted to institutions that fit the client profile, and we then compare the proposals side by side transparently.
How much down payment do I need to buy a home?
Financing is subject to applicable legal and prudential limits, including loan-to-value rules and creditworthiness assessment. As a rule, plan own funds for the down payment and costs such as property transfer tax, stamp duty, deed, registrations, valuation and insurance. For eligible young buyers, the State guarantee may reduce the down payment need under the legal terms and always subject to lender approval.
What happens if my credit is rejected by a bank?
A rejection from one bank is not a rejection from the market. We submit the same application to other institutions with different criteria, identify the reason (high debt-to-income, credit history, employment stability) and, where applicable, suggest concrete adjustments to the profile or requested amount for a new submission. Our support does not end with the first "no".
Can I benefit from the IMT exemption or State guarantee if I am under 35?
If this is your first permanent home and you meet the legal requirements, you may benefit from property transfer tax and stamp duty exemptions within the applicable limits. The State guarantee for young buyers may support part of the financing, but it does not remove creditworthiness assessment or lender approval. We assess eligibility and indicate the required documents.
Do life and home insurance policies have to be bought from the lending bank?
No. You are free to choose any insurer licensed to operate in Portugal, provided the policy offers coverage equivalent to what the bank requires. We compare alternatives and confirm whether the proposed cover meets the lender’s requirements.