Financial Vision – Unipessoal, Lda – Linked credit intermediary, registered with the Bank of Portugal No. 4634.
We do not grant credit, we help you find the most suitable solution for you.
We do not grant credit, we help you find the most suitable solution for you.
Find the right mortgage with the help of an independent intermediary
Visão Financeira compares proposals from various banks, at no cost to you, and accompanies the entire process until completion.
Fill out the form.
Benefits of using an intermediary
Compare several mortgage proposals at no cost.
Proceed with a supported process, safer and with less bureaucracy.
Benefit from clear and transparent conditions, with no hidden surprises.
Access exclusive solutions, including youth credit up to 100%.
How the mortgage intermediation process works
Simulate without obligation
Fill out the form in less than 1 minute and receive a response.
Compare real proposals
Receive the best mortgage options from different banks.
Choose with confidence
Have support until the moment of contract approval.
Differences between online simulators and credit intermediation
Online Simulator
- Provides indicative values;
- Does not consider insurance, bonuses, or risk profile;
- May create false expectations.
- Does not consider insurance, bonuses, or risk profile;
- May create false expectations.
Credit Intermediation
- Presents real proposals from different banks;
- Negotiates better conditions on your behalf;
- Follows the entire process until the signing.
- Negotiates better conditions on your behalf;
- Follows the entire process until the signing.
Having specialized support means avoiding hidden costs and choosing based on transparent information.
Exclusive conditions for young people up to 35 years old
Financing up to 100%
With the State's Personal Guarantee, it is possible to obtain up to 100% of the property's value for the purchase of your first home, if it is intended for permanent residence.
Tax exemption
When purchasing your first home, you may benefit from exemption from IMT, Stamp Duty, and Registrations, which significantly reduces initial costs.
Frequently Asked Questions about Home Loan Intermediation
1What is the advantage of using a credit intermediary?
A bank presents only its own proposal. An independent intermediary like Visão Financeira analyzes various solutions from different institutions and presents compared options. In addition, it monitors the entire process until the contract is signed, which eliminates bureaucracy and increases security.
2Does the home loan intermediation service have costs for those who request credit?
No. The follow-up is free for those who take out the credit. The intermediary's remuneration is guaranteed by the banks, and is always communicated transparently as required by the Bank of Portugal.
3Is it possible to obtain a mortgage for up to 100% of the property's value?
Yes, in specific situations for people under 35 years old, through the State Personal Guarantee. This support allows financing up to 100% of the value of the property for permanent first home ownership.
4Are there tax benefits for young people up to 35 years old?
Yes. In addition to financing up to 100%, young people up to 35 years old can benefit from exemption from IMT (Municipal Tax on Onerous Property Transfers), Stamp Duty, and registration costs when purchasing their first permanent home.
5What documents are needed to start the process?
Normally, the identification document, proof of income (pay slips or income tax declaration), proof of address, Bank of Portugal Responsibility Map, and, in some cases, proof of savings for the initial deposit are requested.
6How long does it take to approve a mortgage?
The time varies depending on the bank and the complexity of the process. On average, it can take between 2 to 6 weeks from the submission of all documents to final approval. Visão Financeira monitors all stages to make the process faster and clearer.
7Can I transfer my current mortgage to another bank?
Yes. The transfer can allow savings on spread, insurance, and monthly charges. However, it is important to analyze transfer costs versus savings. The intermediary evaluates this equation and indicates whether it is worthwhile.
8What is the difference between an online simulation of a home loan and a real proposal?
Online simulators provide indicative values, but do not reflect mandatory insurance, bonuses, or the risk analysis of each profile. A real proposal results from the detailed analysis of the bank and may present significant differences.
9Is the credit intermediary supervised?
Yes. The Financial Vision is a linked credit intermediary and is registered with the Bank of Portugal, complying with all rules of transparency and consumer information. This ensures that it operates independently and regulated, unlike unregistered entities.
Contacts
(+351) 966 913 252
(Call to National Mobile Network)
(+351) 291 224 455
(Call to National Fixed Network)
info@visaofinanceira.com
Rua da Fábrica, nº 20, Loja AB, R/C, 9050-019 Funchal. Madeira
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