Refinance & Mortgage Transfer
Reduce your rate or move to a better product with a free mortgage transfer where applicable. We negotiate early‑repayment penalties and costs.
Is your current mortgage deal coming to an end? Or are you looking to release equity? We can help you switch to a better rate or more favorable terms, potentially saving you thousands over the term of your loan.
Key Benefits
- LowerCase monthly payments
- Access to better interest rates
- Equity release options
- Debt consolidation tailored solutions
Our Process
Current Mortgage Review
Market Comparison & Offer Selection
Application & Approval
Legal & Transfer Process
New Mortgage Activation
Start Your Application Today
Our experts are ready to guide you through the process and secure the best possible terms for your refinance & mortgage transfer.
Other Services You Might Need
Mortgages for Expats & Non-Residents
Fixed, variable and mixed-rate options up to 70–80% LTV depending on profile and lender. We compare banks and secure the best terms for international buyers.
Investment Mortgages
Investment-focused mortgages for rental properties in Lisbon, Porto, Algarve and beyond. We help model yields, stress tests and DSCR requirements.
Construction & Renovation Loans
Stage‑released financing for self‑builds and refurbishments. We structure budgets, valuations and drawdowns to keep projects on track.
Equity Release
Unlock property equity in Portugal for renovations, investments or liquidity—while keeping repayments efficient for non‑resident profiles.
Mortgage Pre-Approvals
Get pre‑approved so you can shop with confidence and make offers fast. Typical turnaround 2–5 working days once documents are in order.