+351 935 275 011
ola@loancierge.eu
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Authorized by Bank of Portugal
Mortgage Broker for Foreign Buyers in Portugal

Loancierge is a mortgage brokerage specialised in helping foreigners and non-residents obtain mortgages in Portugal. We guide international buyers through the entire process, from eligibility assessment to bank approval and completion.

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Mission


At Loancierge, our mission is to empower international investors and residents to navigate the Portuguese mortgage market with absolute certainty. Since 2018, we have been dedicated to simplifying the complex through transparent education, independent expert guidance, and direct access to Portugal’s leading banks. We don't just secure loans; we provide the clarity needed to turn a foreign investment into a confident home-buying reality
Mortgage advisor helping foreign buyers in Portugal
How Our Mortgage Advisory Service Works
Getting a mortgage in Portugal as a foreign buyer involves specific bank requirements, documentation, and approval criteria. Loancierge simplifies this process by managing each stage and matching your profile with the most suitable Portuguese banks.

Check your eligibility

We start by understanding your situation — whether you live in Portugal or are buying from abroad.

This helps confirm how much you can realistically borrow and what banks may suit you..

Prepare your documents
We guide you on exactly which documents are required and how to prepare them correctly to avoid delays.
Compare bank options
We compare mortgage offers from multiple Portuguese banks to find the best option for your profile — not just the first approval..
Apply and get approved
Once you choose the best offer, we submit the application and manage the process with the bank until approval.
Complete the purchase

After approval, the mortgage is finalised and the deed is signed.

You become the owner — with no surprises along the way.

Why this approach works

  • Clear expectations from the start
  • Fewer delays and misunderstandings
  • Independent bank comparison
  • Guidance at every step
Get Pre-Approved ✍️
Start Your Mortgage Process in Portugal

A mortgage pre-approval helps foreign buyers understand how much they can realistically borrow in Portugal before committing to a property purchase. This initial assessment is based on income, financial obligations, and non-resident banking criteria.

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Find out how much you can borrow in Portugal before making any commitments.

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Review Your Mortgage. Pay Smarter.

Your mortgage conditions can be improved — even if your loan is already active. Interest rates change.

Your financial situation evolves. Your mortgage should adapt.

  • When does a review make sense?
    • Interest rates have changed
    • Your income or stability improved
    • Your loan balance is lower
    • You are nearing the end of a fixed or mixed-rate period
    Many borrowers keep outdated conditions simply because they never review them.
  • What can improve?
    • Interest rate and structure
    • Monthly payment
    • Loan term and flexibility
    A review is about better alignment, not just lower payments.
  • How it works
    1. Analyse your current mortgage
    2. Compare updated bank offers
    3. Renegotiate or transfer — if it makes sense
    Clear. Structured.Transparent.
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FAQ's
Loancierge is a registered Credit Intermediary with the Bank of Portugal, operating under strict regulatory standards.

  • What' s a mortgage broker?
    A mortgage broker acts as a middleman between you and potential lenders. The broker's job is to compare mortgage lenders on your behalf and find interest rates that fit your needs. Mortgage brokers have stables of lenders they work with, which can make your life easier.


  • Are mortgage brokers licensed?
    Mortgage brokers are licensed and regulated financial professionals (in Portugal by Banco de Portugal) who do a lot of the legwork. They gather documents from you, verify your income and employment, using the information to help you apply for loans and negotiate terms in a short time.

  • How does a mortgage broker gets paid?
    Mortgage brokers are paid by lenders. The law also prohibits mortgage brokers from charging hidden fees or basing their compensation on a borrower's interest rate.
  • Is a mortgage broker right for me?
    You can save time by using a mortgage broker; it can take hours to apply for preapproval with different lenders, then there's the back-and-forth communication involved in underwriting the loan and ensuring the transaction stays on track. A mortgage broker can save you the hassle of managing that process.
  • Why should I choose your company?
    We have already a vast experience with foreign costumers. We have the knowledge and the will to always find the best solutions to our clients.
    And more important than that we have the portuguese professional licensing that states our professional ability.
Partners
Mortgage advisor helping foreign buyers in Portugal
Mortgage advisor helping foreign buyers in Portugal
Mortgage advisor helping foreign buyers in Portugal
Mortgage advisor helping foreign buyers in Portugal
Mortgage advisor helping foreign buyers in Portugal
Mortgage advisor helping foreign buyers in Portugal
Mortgage advisor helping foreign buyers in Portugal
Mortgage advisor helping foreign buyers in Portugal
Eduardo Fernandes
Loancierge
Your Trusted Partner in the Portuguese Mortgage Market Since 2018
Buying a home in a foreign country is one of the most significant financial decisions you will ever make. My name is Eduardo Fernandes, and for over six years, I have specialized in bridging the gap between international investors and the Portuguese banking system.
Since 2018, I have helped hundreds of foreign clients navigate the complexities of cross-border lending. My approach is built on three core pillars:
  • Transparency: No hidden fees or "lost in translation" moments. You will understand every step of your application.
  • Specialized Expertise: Having focused exclusively on international profiles, I know exactly which banks offer the best terms for your specific residency and income status.
  • A Commitment to Excellence: I believe in going beyond expectations. My goal isn't just to find you a loan; it’s to provide the expert guidance you need to make a confident, informed decision for your future in Portugal.
"I don't just process mortgages; I manage dreams and investments with the care and precision they deserve."
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