Frequently Asked Questions

Yes, our service is 100% free for the consumer. We are compensated by the partner banks when a credit is approved and finalized. This is in accordance with Portuguese legislation for credit intermediaries.

A credit intermediary is an entity authorized by the Bank of Portugal to present credit proposals from different financial institutions to consumers. We help compare offers and find the best conditions, handling all the bureaucratic process.

Yes, Financial Options Lda is registered as a credit intermediary with the Bank of Portugal under no. 0007198. You can verify our registration on the official Bank of Portugal website.

We work with 9 partner banks: Banco CTT, Eurobic, NovoBanco, BNI Europa, Santander, CGD, Crédito Agrícola, Bankinter and BBVA. This allows us to compare multiple offers and find the best one for you.

The average approval time varies between 2 to 4 weeks, depending on the complexity of the process and the required documentation. We handle expediting the entire process with the banks.

Generally required: identification document, proof of address, last 3 payslips, tax return (IRS), bank statement from the last 3 months, and property documentation. We help organize all the documentation.

Yes, credit transfer is one of our specialties. We analyze your current terms and look for more advantageous alternatives. If we find better conditions, we handle the entire process.

Consolidation allows you to combine several loans (mortgage, car, personal, credit cards) into a single loan, with one monthly payment that is generally lower. This simplifies financial management and can represent significant savings.

The choice depends on your risk profile. The fixed rate offers stability in payments, while the variable rate may be lower initially but changes with Euribor. We analyze your case and advise on the best option.

The maximum amount depends on several factors: income, fixed expenses, existing loans, and the property value. Generally, banks finance up to 90% of the purchase or appraisal value (whichever is lower).

It is simple: 1) Fill in our contact form; 2) We analyze your situation; 3) We present the best proposals from different banks; 4) You choose the one you prefer; 5) We handle all documentation and bureaucracy.

Yes, you can cancel at any time without any penalty or cost. Our service is no-obligation and we only proceed with your express authorization.