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Credit Types
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Franchising
About
News
Contact

Mortgage Brokers, Lda · Tied Credit Intermediary, non-exclusive · Bank of Portugal reg. no. 0008242 Mortgage Brokers, Lda · Tied Credit Intermediary, non-exclusive · Bank of Portugal reg. no. 0008242

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Mortgage Brokers, Lda — Tied Credit Intermediary, non-exclusive, registered with the Bank of Portugal under registration no. 0008242 (available for consultation at www.bportugal.pt/intermediariocreditofar/mortgage-brokers-lda). Tied-intermediary agreements with the following lenders: NOVO BANCO, S.A.; BANCO SANTANDER TOTTA, S.A.; ABANCA CORPORACIÓN BANCARIA, S.A., SUCURSAL EM PORTUGAL; CAIXA GERAL DE DEPÓSITOS; BANKINTER, SUCURSAL EM PORTUGAL; BANCO BPI S.A.; BANCO BIC PORTUGUÊS S.A.; UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL; BANCO CTT, S.A.; COFIDIS. Authorised services: presentation or proposal of credit agreements to consumers, assistance with preparatory acts and consultancy, where applicable, under the terms of the registration. Mortgage Brokers, Lda does not grant credit — it acts exclusively as an intermediary between the client and lending credit institutions with which it has a tied-intermediary agreement. Credit intermediation is supervised by the Bank of Portugal. The services provided are free of charge to the consumer, under the terms of applicable legislation. The electronic complaints book is available at www.livroreclamacoes.pt. In the event of a dispute, under Portuguese Law no. 144/2015 of 8 September, the consumer may voluntarily and free of charge use the following alternative dispute resolution entities: Consumer Information, Mediation and Arbitration Centre (CIAB, www.ciab.pt) or the Arbitration Centre of Universidade Autónoma de Lisboa (CAUAL, arbitragem.grupoautonoma.pt). Credit approval is subject to approval and solvency assessment by the lending credit institution. Failure to comply with the credit agreement may have consequences, including the loss of the asset provided as collateral.

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Mortgage Brokers, Lda Tied Credit Intermediary Banco de Portugal Reg. no. 0008242

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.

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I have read and agree to the Terms and Conditions and the Privacy Policy. I authorise the processing of my personal data for marketing of products and services.

Mortgage Brokers, Lda Tied Credit Intermediary Banco de Portugal Reg. no. 0008242