If you’re looking to build your dream home, then our customized construction loan products are designed to match your ambitions and budget. With over 20 years of banking experience, Inspired Credit Brokers offers an unparalleled level of expertise in navigating the Portuguese banking system and mortgage processes.
Ricardo Cintra leads our mortgage division and brings a wealth of knowledge from his extensive career.
He has 20 years of experience in finance, specializing in delivering strategic financial solutions, building client relationships, and driving business growth.
His deep understanding of client needs, especially, the intricacies of Portuguese financial services ensures a smooth and efficient experience for our clients.
His expertise and leadership also ensures measurable success in dynamic financial environments.
At Inspired Credit Brokers, we are committed to providing tailored solutions and expert guidance to help you achieve your financial goals in Portugal.
At Inspired Credit Brokers, we are committed to providing tailored solutions and expert guidance to help you achieve your financial goals in Portugal.
Our fees are paid by the banks and insurance companies. NOT YOU! We do not charge any admin fee on applications
Due to the protocols we have concluded with banks, we are able to provide rates difficult to obtain by most clients
We take care of all the paperwork, all the chasing and negotiating. All you need to do is show up to sign the final deed!
Whether purchasing a house or an apartment, benefit from tailor-made mortgage solutions suited to your financial needs.
Home Equity Line Of Credit (HELOC)
Unlock the value of your home with a flexible line of credit. By using your equity, you can finance major expenses or consolidate debt, all with a repayment plan that works for you.
Construction loan
If you’re looking to build your dream home, then our customized construction loan products are designed to match your ambitions and budget.
Debt Consolidation
Combines multiple debts into a single payment
You will be required to produce some or all of the following documents for your Portugal mortgage application.
Portuguese Tax Number (Número Fiscal de Contribuinte);
Copy of ID card(s) or passport(s).
Birth certificate(s) showing both parents names;
Marriage certificate;
Valuation of main home
Last six months personal bank statements – current & savings;
Bank references; (*)
Copy of the signed “Contrato Promessa de Compra e Venda”, Sales Purchase Contract;
Plans / Drawings of the site and or of the property;
If constructing / renovating the property:
Copies of the Planning Permission and Building Licenses;
Utility bill as proof of home address;
If Employed
Last three years tax returns (P60 or equivalent in the UK); (*)
Last three months pay slips; (*)
Reference from employer (simple letter stating that has been working with the company for a certain time, plus the normal considerations in this regard); (*)
If employed by a limited company with a shareholding of 20% or more
Last three years audited accounts;
Letter from Accountant confirming current salary and dividend payments for the last two years;
Last three years tax returns;
Last six months business bank statements;
If Self-employed
Last three year’s Audited Accounts;
Letter from Accountant confirming net profit figures for the last two years;
Last three year’s tax return / tax computation;
Last six months business bank statements;
Other Income
Confirmation of Pension received for the last six months;
Confirmation of Rent received – copy tenancy agreement plus accounts for the last two years and copy of latest tax return;
Copy of bank statements showing rental income;
Liabilities
Portuguese Tax Number (Número Fiscal de Contribuinte);
Copy of ID card(s) or passport(s).
Birth certificate(s) showing both parents names;
Marriage certificate;
Valuation of main home
Last six months personal bank statements – current & savings;
Bank references; (*)
Copy of the signed “Contrato Promessa de Compra e Venda”, Sales Purchase Contract;
Plans / Drawings of the site and or of the property;
If constructing / renovating the property:
Copies of the Planning Permission and Building Licenses;
Utility bill as proof of home address;
Last three years tax returns (P60 or equivalent in the UK); (*)
Last three months pay slips; (*)
Reference from employer (simple letter stating that has been working with the company for a certain time, plus the normal considerations in this regard); (*)
Last three years audited accounts;
Letter from Accountant confirming current salary and dividend payments for the last two years;
Last three years tax returns;
Last six months business bank statements;
Last three year’s Audited Accounts;
Letter from Accountant confirming net profit figures for the last two years;
Last three year’s tax return / tax computation;
Last six months business bank statements;
Confirmation of Pension received for the last six months;
Confirmation of Rent received – copy tenancy agreement plus accounts for the last two years and copy of latest tax return;
Copy of bank statements showing rental income;
Latest mortgage statement;
Details of personal loans (principal due, monthly instalments);
Copy of tenancy agreement;
Maintenance / Alimony payments;
Belo Efeito Propriedades, Lda – AMI 5418