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Frequently asked questions
A mortgage brokerage is a company that acts as an intermediary between the client and the banks, helping clients to find the best home loan solutions according to their financial profile.
Yes, in Portugal, you have the option to choose between a fixed-rate or variable-rate mortgage, based on your preferences and financial circumstances. Both options are offered by most banks and financial institutions, allowing you to select the loan type that aligns with your needs.
Opting for smart financing can bring several advantages, such as the possibility of acquiring a property according to your financial profile, flexible payment terms and competitive mortgage rates. Smart financing benefits from a competitive process that ensures that the lenders are providing the best possible terms and rates.
We work on your behalf to secure home loans, credit transfers and other real estate financing options that are optimal for your needs and objectives. Financing can apply to the purchase of a traditional house, apartment and other real estate investment.
No, CreditPlace's loan brokerage service is completely free for our clients. We work closely with different financial institutions in Portugal to provide you with top home loan options at no additional charge, ensuring you receive the most favourable terms available in the market. We make the process cost and worry-free.
The spread is the profit margin the bank applies to your home mortgage loan, while the interest rate is the percentage charged on the loan itself. Both influence the total cost of your mortgage.
Approval times vary depending on the financial institution and the client's profile, but we work to make the process as quick as possible, usually taking between 1 and 3 weeks.