Mortgage broker: how to cut costs on your home loan

09.25.2025

Discover how a licensed mortgage broker can negotiate for you, save time and secure the best mortgage deals — at no cost to you.


Buying a home is one of life’s biggest milestones. But securing a mortgage can quickly become complex: comparing offers, understanding rates, negotiating with banks and ensuring nothing is overlooked requires time, expertise and close attention.

This is where a mortgage broker steps in. More than a facilitator, they act as your ally — protecting your interests, providing transparency and helping you secure the best possible deal, all at no extra cost.
 

What does a mortgage broker do?


A mortgage broker is a professional licensed by the national regulator who acts as a bridge between clients and banks. Their role includes:
 
  • Analysing your financial profile and specific needs
  • Researching and comparing the best home loan offers on the market
  • Negotiating spreads, interest rates, fees and insurance with lenders
  • Guiding you through the entire process, from simulations to closing
 
It’s important to note that this service is free for the client. Brokers are remunerated by the banks, without compromising the independence of their advice.

 

How they save you time and money


Working with a broker not only simplifies the mortgage process, it can also result in significant savings.

Time
 
  • Save hours of research and calls with multiple banks
  • Avoid duplicate paperwork and unnecessary meetings
  • Get step-by-step guidance, preventing delays or mistakes
 
Money
 
  • Access more competitive rates and lower spreads
  • Find mortgage deals with reduced monthly payments
  • Identify hidden costs and clauses that may hurt you later
 

Thanks to their deep market knowledge, brokers can tailor mortgage simulations to your profile and uncover solutions that truly fit your needs.

Transparency and peace of mind


Choosing a licensed broker gives you more than just numbers — it gives you confidence. Instead of navigating generic offers, you receive personalised advice focused on your goals.
Whether you’re buying your first home, moving house or considering a mortgage transfer, professional support can make all the difference.

 

Credit Place: mortgage experts you can trust


At Credit Place, we are licensed mortgage brokers with proven expertise and strong relationships with leading banks in Portugal.
Our commitment is to you — not the banks. We provide a free, impartial service fully focused on securing the best conditions for your home loan.
If you’re buying a property through ENTREPORTAS Real Estate or any other agency, speak to us before signing your mortgage. You could save thousands over the lifetime of your loan.

 

Free mortgage simulation, no obligation

 

Want to see how much you could save? Request your free mortgage simulation today and discover tailored solutions for your financial profile.
When it comes to life’s biggest financial decisions, choose professional guidance and peace of mind.