Portugal mortgage support
Explore your mortgage options for a property in Portugal
If you are planning to buy a home in Portugal, arranging your finances can be an important part of preparing for the purchase.
DS Mortgages, through DS Intermediários de Crédito, can assess your requirements, present mortgage proposals from several partner lenders and support you through the credit process. Mortgage availability and terms remain subject to lender assessment and eligibility.
Make an enquiry
Tell us a little about your property and financing plans and your enquiry can be passed to DS Mortgages.
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How DS Mortgages can help with your Portugal purchase
When you are buying property in another country, understanding the finance available to you can help you plan the purchase more clearly. Rather than approaching a single Portuguese bank, DS Intermediários de Crédito works with a number of lenders and can present credit proposals based on your circumstances.
DS is authorised to provide credit intermediation and consultation services. Its role can include presenting or proposing credit contracts and assisting customers with preparatory and pre-contractual work connected with an application.
For somebody preparing to view properties or make an offer in Portugal, this provides a useful route for discussing financing before progressing further. The lender remains responsible for assessing the application and deciding whether credit can be offered.
Why choose DS Intermediários de Crédito?
Practical mortgage support built around your financing requirements and the Portuguese credit market.
Several lender proposals
DS works through agreements with a number of lenders, allowing it to present different credit proposals rather than limiting the conversation to a single bank.
Personalised guidance
The company describes its advice as personalised to each customer’s needs and objectives, helping keep the mortgage discussion relevant to your circumstances.
Support through the credit process
DS states that its teams assess customer requirements, negotiate with its banking partners and provide support throughout the credit process.
Portugal-wide network
DS Intermediários de Crédito operates through a network of independently owned and managed branches with geographic coverage across Portugal.
Mortgage support for your property plans in Portugal
DS offers several services that may be relevant when financing, building or managing a home in Portugal.
Buying a property
Home-purchase mortgages
DS provides intermediation for Portuguese housing credit. You can discuss the property’s value, the amount of borrowing required and the proposed mortgage term as part of assessing possible finance.
Comparing finance
Mortgage proposals from different lenders
Rather than dealing with only one institution, DS can present proposals from several banks with which it maintains lender agreements and can negotiate with those partners during the process.
Building in Portugal
Construction finance
If your plans involve building rather than purchasing a completed home, DS also provides a dedicated construction-credit service that can be discussed separately from a standard property purchase mortgage.
Planning the costs
Mortgage and purchase-cost tools
DS provides online tools for mortgage simulations and estimating costs associated with a Portuguese property transaction, including items such as IMT and stamp duty. Its website makes clear that simulator results are indicative and non-binding.
How DS can support your mortgage enquiry
A straightforward route from discussing your plans to progressing an application with a lender.
1. Discuss your plans
Start with the property, borrowing requirement and your individual circumstances so DS can understand what you are looking to finance.
2. Review possible proposals
DS can assess the requirement and present relevant credit proposals from the lenders with which it has agreements.
3. Progress the application
The DS team can assist with preparatory and pre-contractual stages and liaise with its banking partners as the credit process progresses.
4. Lender assessment
Any mortgage remains subject to the lender’s eligibility criteria, assessment, approval and final lending terms.
Planning to finance a home in Portugal?
Whether you are still researching areas, preparing for viewings or considering a particular property, you can speak to DS about the mortgage options that may be available for your circumstances.
Regulated credit intermediation
Registered with Banco de Portugal
DS INTERMEDIÁRIOS DE CRÉDITO is a brand held by Decisões e Soluções – Intermediários de Crédito, Lda., a linked credit intermediary registered with Banco de Portugal under number 0000926.
The company is authorised to provide credit intermediation and consultation services. Its disclosed credit categories include housing credit and consumer credit.
DS also publishes the lenders with which it maintains binding agreements, providing customers with clear information about the institutions it can work with.
Banco de Portugal
Credit intermediary registration
0000926
Decisões e Soluções – Intermediários de Crédito, Lda.
Take the next step with your Portugal property plans
Tell us what you are planning to buy and the finance you may require. DS Mortgages can then discuss the mortgage options relevant to your circumstances.
Mortgage availability, borrowing amounts, interest rates and other terms are subject to individual assessment and the requirements of the relevant lender.