We connect you to the best home loan offers in Portugal. We compare proposals from contracted banks and find the conditions that fit your budget — with close support from pre-approval through to deed signing.
Specialists in credit intermediation, dedicated to finding the right solution with our partner banks — always with transparency and a personal touch. Every client is unique, so we offer close, professional support at every stage of the process.
With Terrae Financial Services you have a trustworthy partner at your side, ready to help you make your project happen with the best conditions available on the market.
Instead of knocking on each bank's door yourself, leave it with us. We compare, we negotiate, we run the process.
We assess your profile and capacity, with transparency.
We submit your file to the contracted banks at the same time.
You receive the available proposals side by side, explained in plain English.
We accompany the process through to signing. You're never alone with it.
Your file submitted to contracted institutions in one go.
We handle the documentation and the bank relationships.
By your side at every stage, through to deed.
No fee charged to the client. Remuneration is received from the lender, in accordance with Bank of Portugal regulation.
A contracted lender to start, with the network actively expanding. Each new bank is added through an individual agreement, as required by the Bank of Portugal.
Four variables. Live answer. Adjust property value, deposit, term and rate until you find the scenario that fits. Indicative figures; not a formal credit offer.
Indicative simulation, no contractual value and not a formal credit offer. Each request is assessed individually by our partner lenders. Excludes commercial spread, insurance, fees and taxes. Amount financed limited by the regulatory LTV (maximum financing ratio).
Ana Lobo de Sousa heads Terrae's mortgage advisory. She negotiates conditions across the leading Portuguese banks and walks each client from first simulation to deed signing. No fees for the client, no fine print.
Certified by Banco de Portugal under registration no. 0008706, in non-exclusive regime. Operates in partnership with ALS Finance.
The base interest rate of the loan, before commissions or insurance.
Includes interest, commissions, insurance and other costs. This is the figure to compare proposals.
The value the bank adds over Euribor. Negotiable — this is where we step in.
European reference rate used in most variable-rate Portuguese mortgages.
Usually life insurance and multi-risk home insurance.
The sum of everything the client pays over the life of the contract.
Home loan intermediation on this page is provided by ALS Finance, Unipessoal, Lda. (VAT 519 365 658), a partner company of Terrae, registered with the Bank of Portugal under number 0008706 as a tied credit intermediary in a non-exclusive regime, in the category of home loans. ALS Finance is authorised to present and propose credit contracts to consumers, provide preparatory assistance, and enter into credit contracts on behalf of lenders. It does not act on an exclusive basis and does not provide advisory services.
Contracted lender: Caixa Geral de Depósitos, S.A. — contract registered with the Bank of Portugal.
In contracting process: Banco BPI, Novo Banco, Banco Santander Totta, EuroBic (Banco BIC), Banco CTT, Bankinter (Portugal Branch), Abanca (Portugal Branch), UCI and SICAM/Crédito Agrícola.
Professional civil liability insurance with Allianz Portugal, S.A. (policy 208176529, valid until 2027-04-27). Managing partner: Ana Cristina Aiala Lobo de Sousa, certified by the Portuguese Banking Training Institute (IFB/APB) — Certificate n.º 378/2023, UC 9856.
Terrae (real estate mediation, AMI 27242) and ALS Finance (credit intermediation, BoP 0008706) are distinct legal entities. The credit intermediation contractual relationship is established directly between the client and ALS Finance. Registry verifiable at bportugal.pt.