Your Journey to Mortgage Approval in Portugal

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Step 1

Initiate the Process Begin by completing the mortgage inquiry form and submitting it via email or contacting us by phone to kickstart the process.

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Step 2

Proposal Presentation Upon receiving your details, we'll meticulously analyze them and secure an agreement in principle from various lenders. Subsequently, we'll furnish you with a comprehensive mortgage proposal via email, outlining the terms and conditions of available mortgage products.

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Step 3

Documentation Preparation Following a thorough discussion of the proposed options, we'll provide you with a list of required documentation and application forms from your chosen lender.

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Step 4

Application Submission Once we've received all necessary documentation, we'll personally submit your application for approval and maintain communication with the bank throughout the process. Rest assured, we'll keep you informed of the status every step of the way.

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Step 5

Account Setup and Valuation Upon conditional approval, subject to property valuation, you'll be asked to open a bank account with the lender. We'll guide you through this process and ensure all required forms are completed. Concurrently, an independent engineer will conduct a valuation of your property.

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Step 6

Valuation Coordination We'll liaise with the appointed key holder to organize the property valuation and ensure timely submission of all necessary documentation to the bank for the valuation report.

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Step 7

Formal Approval Once the valuation figure is confirmed, formal mortgage approval will be granted, and you'll receive an official mortgage offer letter from the bank.

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Step 8

Provisional Deed Date We'll advise you of the provisional deed date agreed upon by all parties and provide assistance with money transfers as needed.

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Step 9

Deed Coordination We'll collaborate with the bank and your legal representative to coordinate the signing of the final purchase and mortgage deeds. Our team ensures all essential legal documents are promptly provided to the bank for the final deed.

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Step 10

Finalization As soon as your final deed is signed, we'll promptly inform you, marking the successful completion of your mortgage journey."