Client Success Stories

Premium Mortgage Solutions, Real Results

Every property purchase is unique. From quick turnarounds to complex negotiations, from renovation-dependent approvals to touristic license properties — we've handled it all. Below are anonymized examples of recent client engagements.

€5M+
Highest Value
6 Weeks
Fastest Completion
10+
Years Experience
400+
Clients Per Year

Featured Case Studies

Real examples from our recent portfolio. Names and addresses omitted for privacy. Challenges, solutions, and outcomes are real and anonymised.

Villa
€3.3M
Lagoa, Algarve

€3.3M Villa in Lagoa — Fast-Track Completion

1The Situation

A UK couple in their early 50s found their dream villa in Lagoa. After initial research, they reached out in May wanting to complete before summer ended.

2The Challenge

The timeline was ambitious. Coordinating schedules across multiple parties (buyers, sellers, banks, lawyers, notary) required precise management. Several documents needed corrections before bank submission.

3Our Solution

We fast-tracked the process: initial discussions in May, formal applications submitted in June, approval secured by early June. We coordinated all parties and managed document corrections without delaying the timeline.

The Outcome
  • Property value: €3.3M
  • Timeline: May enquiry → August completion (3 months)
  • Result: Keys in hand before summer ended
The coordination was flawless. We didn't expect to complete this quickly on a property of this value.
Estate
€2M
Quinta do Lago

€2M Quinta do Lago Estate — Instant Approval, Strategic Timing

1The Situation

A buyer identified a €2M property in the prestigious Quinta do Lago resort. The numbers were strong, and they wanted to move quickly.

2The Challenge

While the buyer was approved almost immediately, the sellers weren't ready to complete — they wanted to retain the property through summer to capture tourism rental income.

3Our Solution

We secured approval upfront, then managed the waiting period: keeping the approval current, updating documentation as expiry dates approached, and ensuring the buyer remained ready to complete at short notice.

The Outcome
  • Property value: €2M
  • Approval: Immediate
  • Completion: Timed to seller's availability (autumn)
  • Result: Buyer ready when sellers were, no delays on their side
Villa
€2M
Vilamoura

€2M Vilamoura Property — Complex Negotiation, Solo Buyer

1The Situation

A solo UK buyer pursuing a €2M property in Vilamoura. The property was desirable but negotiations between buyer and seller proved lengthy.

2The Challenge

Extended negotiations meant maintaining bank approval over a prolonged period. Solo buyers sometimes face additional scrutiny on affordability for high-value properties.

3Our Solution

We structured the application to emphasize income stability and asset base. Throughout the negotiation period, we kept the approval active and the bank engaged.

The Outcome
  • Property value: €2M
  • Buyer profile: Solo purchaser
  • Result: Mortgage secured despite extended timeline
Golf Property
€1.5M
Vilamoura (The Greens)

€1.5M Vilamoura Golf Property — Premium Development

1The Situation

A UK couple purchasing a €1.5M property at The Greens in Vilamoura — a premium golf-front development.

2The Challenge

New developments require coordination between developer, bank, and buyer. Timing of construction completion affects mortgage drawdown.

3Our Solution

We worked with the development's timeline, ensuring bank approval aligned with construction milestones and completion dates.

The Outcome
  • Property value: €1.5M
  • Location: The Greens, Vilamoura
  • Property type: Golf-front development
  • Status: Progressing to completion
Resort
€1M+
Cascais (Hilton Cascatas Golf Resort)

€1M+ Cascais Resort — Touristic License Property

1The Situation

A buyer interested in a property within the Hilton Cascatas Golf Resort in Cascais. This wasn't a standard residential purchase — the property came with a touristic license and rental program.

2The Challenge

Touristic license properties require specialist bank products. Not all lenders understand or accept these arrangements.

3Our Solution

We identified banks comfortable with tourism-licensed properties and positioned the application correctly. The structured approach made approval smooth.

The Outcome
  • Property value: €1M+
  • Property type: Resort property with touristic license
  • Result: Approval secured with appropriate product structure
They understood exactly what type of property this was and which banks would work with it.
Resort
~€1M
Quinta do Lago

Wyndham Grande, Quinta do Lago — Two Success Stories

1The Situation

We've completed multiple mortgages at the prestigious Wyndham Grande development in Quinta do Lago.

2The Challenge

Different buyer profiles require tailored approaches — a retiring family with pension income versus an individual investor with active earnings.

3Our Solution

For the retiring family: structured around pension and investment income. For the individual: emphasized earning capacity and investment rationale.

The Outcome
  • Property values: Just under €1M each
  • Location: Wyndham Grande, Quinta do Lago
  • Result: Two satisfied clients in the same development
Development
€1M+
Quarteira (Horizon Development)

Quarteira Development — Off-Plan Mortgage

1The Situation

A buyer purchasing off-plan at the Horizon development in Quarteira. Property value over €1M.

2The Challenge

Development mortgages work differently. Construction can take 2+ years, requiring stage payments and approval renewals as the project progresses.

3Our Solution

We structured a development mortgage with appropriate staging, managed re-approvals as required, and coordinated with the developer's payment schedule.

The Outcome
  • Property value: €1M+
  • Property type: Off-plan development
  • Timeline: Multi-year with stage payments
  • Result: Financing aligned with construction milestones
Apartment
Variable
Lisbon

Lisbon Apartment — Renovation-Dependent Approval

1The Situation

A buyer found an apartment in Lisbon that ticked all the boxes — except the kitchen wasn't installed.

2The Challenge

Portuguese banks value properties based on their completed state. An incomplete kitchen affected the property valuation and, consequently, the LTV available.

3Our Solution

We coordinated with the seller to ensure the kitchen would be installed before completion. The property was then revalued at full market value, maximizing the buyer's available financing.

The Outcome
  • Location: Lisbon
  • Challenge: Incomplete renovation
  • Result: Kitchen installed, full valuation achieved, mortgage approved

Key Insights from Our Experience

Common Challenges We Solve

  • Seller timelines don't match buyer readiness — We keep approvals current through extended periods
  • Touristic/resort properties — We know which banks accept these products
  • Off-plan developments — Stage payment structures and re-approvals managed
  • Incomplete renovations — Coordination with sellers to complete before valuation

Why Clients Choose Us

  • Experience with high-value transactions (€1M+)
  • Bank relationships that matter for complex structures
  • Coordination across time zones and multiple parties
  • Patience with extended timelines — we stay engaged
  • Problem-solving when standard approaches don't work

What Our Clients Say

Verified reviews from clients we've helped

4.7/5 • 28 reviews
GoogleTrustpilot
J

JC

I would highly recommend Portugal Mortgage Brokers. Throughout the entire mortgage process, they were extremely professional, responsive, and helpful. They did everything that was asked—and more—providing clear and detailed explanations at every stage to ensure I fully understood each step. One of the most reassuring aspects of working with Portugal Mortgage Brokers was their commitment to keeping me updated. Their regular communication and proactive approach made what could have been a stressful experience much smoother and easier to manage. Most importantly, they successfully secured the mortgage and got it over the line, which was the ultimate goal. I'm very grateful for their hard work and would not hesitate to recommend them to anyone looking for expert mortgage advice and reliable support.

E

Eoin

I had the pleasure of dealing with Anita on a complex purchase in Vilamoura. She brought huge value and experience to the process, helping us navigate the buying process and supporting us to find the right financial instrument for our purchase. She understands the market, has vast knowledge of the financial products available and the process required to secure finance. She was also able to advise and connect us with ancillary services, for example, connecting with a great local lawyer…….all that wrapped in the fact that she was an absolute pleasure to deal with. She is a great communicator, is top of her game, not to mention a wonderfully warm and engaging individual. i cannot recommend her highly enough……thanks Anita.

EL

Elmo and Lynne

If you are looking for a mortgage in Portugal and had a chance to work with Anita Pathak, DON'T miss the opportunity. She will be on top of the mortgage process and ask you for whatever she will need to get it done and deliver as promised. As a former Mortgage Broker, I can tell you that it is rare to find someone like her who not only knows the available mortgage options and the entire process she also has very good relationships with contacts inside the banks to get it done to satisfy her clients.

RR

Rebecca Round

Anita has now helped me secure two mortgages, and I honestly wouldn't go to anyone else. The first time, she found us a significantly better rate than any other broker I'd spoken to. The second time, I went directly to my bank and was declined — but Anita not only got me a mortgage, she got it from the same bank that had turned me down! She's incredibly organised, keeps the whole process smooth, and knows her stuff. Huge thank you, Anita!

BT

Brian Tredinnick

Simply put: Use Anita's service. She is absolutely fantastic! When researching the process of purchasing a property in Portugal, it can be overwhelming. But upon contacting Anita, 90% of the stress related to purchasing disappeared. And virtually all of the effort. Her professionalism, friendliness, competence, and in my case, patience, shone through throughout the process. I cannot recommend her highly enough!

AB

Anu B

As a first-time homebuyer, I can't recommend Anita enough. Before finding her through a recommendation, I'd contacted a few different banks. Anita truly simplified what could have been a complex process, guiding me seamlessly from exploring various rates all the way through to getting my mortgage funded. If I ever buy another home, she'll be my first call.

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