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.

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.

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.

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".

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.

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.