Large mortgages with Portuguese banks

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.

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

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.

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

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.

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.

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

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

We structured the application to show stable income and affordability. Throughout the negotiation period, we kept the approval active and the bank engaged.

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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.