Your mortgage in Portugal, explained in your language.
I compare offers from several Portuguese banks, prepare your documents and guide you all the way to the deed, from here or from abroad.
I work with Portugal’s leading banks
Lenders in the Twinkloo Select network
Every situation has its own rules.
For Portuguese banks, what matters is your tax residence and income, not your nationality.
Foreign residents
You live and work in Portugal. You can access the same conditions as Portuguese clients.
Non-residents
You live abroad and want a home in Portugal. Usually treated as a second home, with a larger down payment.
Temporary permits
Possible, with stricter criteria. I help strengthen your application, for example with a co-applicant.
Portuguese abroad
Income earned outside Portugal. I handle everything remotely.
How much would you pay per month?
Move the sliders to see an estimate.
Good to know: residents can usually borrow up to 90% for their main home. Non-residents typically borrow less. Purchase costs (taxes, deed, registration) are paid from your own funds.
Indicative simulation, excluding bank margin, fees and insurance. Not a credit offer.
Get real offersFrom first call to the deed.
1. Free assessment
We talk about your goals, income and residence. You learn what is realistic, with no commitment.
2. Documents
I send you the exact list for your profile and tell you which documents need translation.
3. Bank offers
I submit your case to several banks and explain each offer side by side, in English.
4. Approval and deed
I follow the valuation, final approval and deed, in person or by power of attorney.
Someone who knows both sides of the deal.
I am Mariana Fernandes, a credit intermediary registered with Banco de Portugal (No. 0006976). Before working in credit, I spent two years as a case manager at a real estate agency, so I know exactly where deals get stuck.
Today I combine that experience with the Twinkloo Select network: access to Portugal’s leading banks and a platform that tracks every case from first contact to the deed.
What clients ask me most.
Can a foreigner get a mortgage in Portugal?
Yes. Nationality is not an exclusion criterion. Banks look at your tax residence, the origin and stability of your income and your credit history.
How much can a non-resident borrow?
Usually less than a resident, as the property is treated as a second home. Each bank has its own policy; I check what is possible in your case.
Do I pay for your service?
No. Under Portuguese law, credit intermediation is free for consumers. I am paid by the partner banks when the loan is signed.
Do I need to be in Portugal?
Not for most of the process. For the deed you can come to Portugal or be represented by power of attorney.
Do you speak English?
Yes. We can do the whole process in English, and I explain every bank document before you sign.
Let’s look at your case.
Leave your details and I will get back to you within one business day. I speak Portuguese and English.