Services

We are more than a mortgage broker — we are your trusted partner throughout the entire process.

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Mortgage Solutions

Find the best mortgage solutions to buy the home of your dreams, with the support of a mortgage specialist.

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INSURANCE

Protection is part of every area of our lives — for your home or health.

(333) Como melhorar a taxa de esforço e conseguir um crédito mais favorável

REFINANCE

Are you paying more than you'd like for your mortgage? Find out how you can reduce your monthly charges!

How it works?

How the Mortgage Process Works in Portugal for Foreign Buyers

  1. Simulation & Budgeting
    The process begins with a mortgage simulation. This gives you an idea of how much you can borrow, what your monthly payments might look like, and the overall affordability based on your financial situation.

  2. Document Collection
    You’ll need to gather personal and financial documents (such as proof of income, tax returns, bank statements, and identification). These will be used to assess your eligibility for financing in Portugal.

  3. Financial Viability Analysis
    Banks review your information to evaluate your capacity to repay the loan. This step ensures that the mortgage fits your income, expenses, and long-term financial stability.

  4. Bank Proposals
    Once your profile is approved, different banks present their mortgage offers. Each proposal will vary in terms of interest rates, conditions, and repayment options.

  5. Guidance & Decision
    A meeting is usually arranged to walk you through the proposals, explain the fine print, and help you choose the option that best suits your needs.

  6. Opening a Bank Account
    After selecting a bank, you’ll need to open an account there. This account will be used to manage the mortgage payments and related expenses.

  7. Property Appraisal
    The chosen bank arranges for the property to be evaluated. The appraisal confirms the market value of the home and ensures it aligns with the mortgage request.

  8. Final Deed (Escritura)
    The process concludes with the signing of the deed (“Escritura”) before a notary. This step finalizes the property purchase and officially transfers ownership to you.

Our trusted Partners

ABANCA BBVA Consumer Finance Banco CTT Bankinter Caixa Geral de Depósitos Cofidis Novo Banco Santander UCI

FAQs

Find clear and reliable answers to your most important questions about credit and financial solutions. At Maxfinance, we make the Credit Intermediation process simple, transparent and easy to understa

What is a credit intermediary?

A credit intermediary is an entity registered and authorised by Banco de Portugal to present, propose or assist with credit agreements between customers and financial institutions. Maxfinance is registered with Banco de Portugal under no. 000177 and acts as a tied credit intermediary, helping to analyse the customer's financial profile, compare solutions from the entities with which it has a binding agreement, and find an option suited to the customer's needs.

Does Maxfinance's service have any cost for the customer?

No. Maxfinance's support has no cost for you. It costs nothing. Literally. Maxfinance is remunerated by the financial institutions, so the customer pays nothing for the comparison and support service.

Is Maxfinance a bank or a credit intermediary?

Maxfinance is not a bank. It is a network of credit intermediaries authorised and registered with Banco de Portugal, helping customers compare proposals from different financial institutions and find the solution best suited to their profile.

What credit solutions can I arrange with Maxfinance?

You can count on support with mortgage loans, mortgage loan transfers, personal loans, car loans and insurance solutions. Maxfinance supports the entire process, from the initial analysis through to completion.

Does Maxfinance support the entire credit process?

Yes. Maxfinance supports the process from the initial analysis of the financial profile, through the comparison of proposals from different banks, to support in the final decision and completion of the process.

Can I speak to a credit intermediary near me?

Yes. Maxfinance has a national network of credit intermediaries, with a presence in several areas of the country. You can find an intermediary near you through the map available on the website.

What documents are needed to apply for a mortgage loan?

The documents usually requested are: identification document (Citizen Card or Passport), tax number, proof of income (last 3 salary slips or IRS income tax return), IRS tax assessment note, bank statements from the last 3 to 6 months, IRS income tax return, and property documentation (urban property tax registration document and land registry certificate). The exact documentation may vary depending on the bank and the customer's specific situation.

Does Maxfinance compare proposals from several banks?

Yes. Maxfinance works with different partner financial institutions, including Banco CTT, Cofidis, Banco Santander Totta, Caixa Geral de Depositos, Bankinter, Banco BPI, Union de Creditos Inmobiliarios, Banco BIC Portugues, Unicre, Novo Banco, Abanca, SICAM / Caixa Central de Credito Agricola Mutuo, BBVA and Novo Banco dos Acores. Maxfinance helps analyse proposals from multiple institutions at the same time, to find a solution suited to your profile and needs.

Can I compare proposals with no commitment?

Yes. Comparing proposals through Maxfinance can be done with no commitment. You only move forward when, and if, you are satisfied with the proposal presented.

Complementary information to the Credit Intermediation activity

Franchisee profile photo
Legal name
Ecoterra, Lda
Name
Marco António Jorge Dias
Headquarters

Rua António José Saraiva, Nº 13 1º Esquerdo
2730-196 Barcarena
Portugal

Establishment

Av. 25 de Abril, 60 Shopping Center de Massamá, Loja 82
2745-733 Queluz
Portugal

Registration number
0004835 | Consult
Category
Vinculated
Email
Phone
925594907
Contact
More information

Civil Liability

  • Mortgage Credit
    251925 - Hiscox, S.A. – Sucursal em Portugal
    Valid from until
  • Consumer Credit
    2519249 - Hiscox, S.A. Sucursal em Portugal
    Valid from until

Lenders with a binding agreement

ABANCA Bankinter BBVA Consumer Finance Caixa Geral de Depósitos Cofidis Banco CTT Novo Banco Santander UCI

Conflict Resolution Centres

  • CACCL – centroarbitragemlisboa.pt
  • CNIACC - https://www.cniacc.pt/pt/

Value restriction

The Credit Intermediary is forbidden from receiving or delivering any sums related to the formation, execution and early performance of credit agreements, under the terms of article 46 of Decree-Law no. 81-C/2017 of 07 July on the Legal Framework of Credit Intermediaries.

Supervisory Entity

Credit Intermediation activity is subject to supervision by the Bank of Portugal (website: www.bportugal.pt )

Mortgage and consumer credit related services

  • Presentation or proposal of consumer credit agreements
  • Consumer support, by carrying out preparatory acts or other pre-contractual management work in relation to credit agreements which have not been presented or proposed by them
  • Conclusion of credit agreements with consumers on behalf of creditors
  • Consultancy services

Make a complaint

In the event of a complaint, it must be submitted in the following ways: