Valentine’s Day: When Shared Dreams Call for Smart Decisions

Buying a home together starts long before the signature, because building a future as a couple also means choosing the right mortgage.

Valentine’s Day celebrates the choices we make together. Some are symbolic; others truly shape our lives. Buying a home as a couple is one of them, and for many, it is the first major project they build side by side.
Amid the excitement, expectations and plans for the future, there is also the need to make sound financial decisions. This is where a mortgage stops being a distant concept and becomes part of the conversation — alongside location, budget and the lifestyle you want to create together.
 

Buying a home as a couple: excitement and responsibility

Choosing a home together is a meaningful milestone, but it requires alignment — on goals, income, and long-term plans. It is not just about “getting approved”; it is about understanding what you can comfortably commit to, ensuring peace of mind today and stability for the years ahead.

A well-structured mortgage helps prevent future strain and allows your shared project to grow sustainably.

A mortgage is about more than just the rate

The interest rate, spread, APR, insurance and loan term all influence your monthly repayment and your financial flexibility as a couple. What may seem like a small difference at first can have a significant impact over time.

Professional guidance allows you to compare offers, clarify details and understand what truly fits your combined financial profile.

Shared projects deserve personalised advice

Every couple is different — varied income levels, employment types, short- and long-term ambitions. There is no one-size-fits-all solution.

Working with an authorised credit intermediary means analysing your real scenario, negotiating with multiple banks and securing tailored conditions — without pressure or unrealistic promises.

When your home supports your life plan

Whether you have already found the right property or are still exploring options, it makes sense to align both sides of the journey. The right mortgage can often open doors to better property choices.
Through the collaboration between Credit Place and ENTREPORTAS Imobiliária, couples can be supported from the initial financial decision right through to the moment they step into their new home.

A Valentine’s Day with a vision for the future

This Valentine’s Day, thinking ahead is also a way of caring. Taking the time to get informed, run a simulation and make clear decisions is a commitment — to each other and to the life you are building together.
If you are taking this step as a couple, a personalised mortgage simulation could be the best place to start.

Learn more at https://www.creditplace.pt/pt