Informação LegalNeed help choosing a home loan?
We can help
Do you have questions about how to get the best spread?
Don't know how much the bank lends you?
Should I fix my payment or not?
What documents are needed?
We answer all your questions about home loans
If you would like to contact us, call us at 96 69 13 252 or
fill out the form below on this page
Credit Intermediation with Visão Financeira
We are specialists in housing credit
The Financial Vision has partnerships with the main Portuguese banks. We offer you our accumulated experience over more than 18 years to present you with better information and the most suitable proposals for your case. To apply for a loan to buy, build, or renovate your home, talk to us! Our service is free, we accompany the entire process, and we advise you on the choices to make. The decision is always yours. Count on us!
Your mortgage credit is here
Don't waste time, start your online process now.Home Purchase or Exchange
Construction Credit
Transfer Credit
The credit intermediation service of Visão Financeira is free
If you prefer direct contact, call us at (+351) 96 69 13 252
We help you find the best home loan for your case
Collect your data and documents;Negotiate with various banks;
Negotiate the best spread;
Decide on fixed, variable, or mixed rates;
Analyze the insurance;
Select the best proposal;
Monitor the entire process until signing;
Inform and handle the taxes;
Analyze a new loan;
Analyze an existing loan;
Transfer your loan;
Consolidate your loans;
Lower your payments;
Save money.
Get rid of the bureaucracy!
We take care of it and you decide.Frequently asked questions about home loan credit
By using our services, you will save a lot of time and money; discover the main advantages:
- Benefit from the free advisory service of a specialist in the field with over 18 years of experience in the market; - Save a lot of time traveling to various banks to obtain multiple proposals and be able to compare. Your employer will surely appreciate it, and for you, it avoids stress; - Avoid making decisions under pressure. When comparing proposals, the most likely outcome will be a significant headache or simply choosing the lowest spread, which alone is certainly not the best indicator; - We know the rates, terms, modalities, campaigns, and other data of credit products from various institutions in the market; we can tailor all of this to your specific case; - We handle all the associated bureaucracy, namely in processing documents, scheduling appraisals, inspections, etc...; - We accompany all processes from start to finish; - When justified, we help consolidate all your credits, lower your payments, and pay less. Do you still prefer to handle all of this alone?Our credit intermediation service has no costs for the client because credit intermediaries linked to financial institutions (such as Visão Financeira) receive from these institutions whenever a transaction is completed.
This regulation is established in Decree-Law No. 81-C/2017, of July 7, in effect since January 1, 2018.
To make a pre-analysis or credit approval, we need a set of documents from each of the parties involved in the credit request:
- Valid identification document (Citizen Card, Passport, or Identity Card); - Tax identification number (NIF); - IRS declaration from the previous year; - IRS settlement note from the previous year; - Copy of payslips from the last 3 months; - Declaration from the employer informing about the employment relationship and date of admission to the company; - Statements from the last 3 months of current accounts; - Credit responsibility report from the Bank of Portugal;In cases where you have income from self-employment as a freelancer, the following will be required;
- Proof of commencement of activity; - Summary of green receipts issued in the last 3 months;If you receive rental income:
- Copy of rental receipts from the last 3 months; - Information about the lease agreement.For other income situations, additional documents will be analyzed and requested as needed.
