Schedule an appointment
The appointment can be scheduled in our office or by video call.
Evaluation of the remaining capital
This will make us able to let you know if there are advantages in repurchasing your mortgage.
Find the best rate according to your project
In general, we obtain our agreements within 2 to 10 working days.
Presentation of the credit proposal
If you are satisfied with the conditions, you will open the bank account and set up the expertise.
Bank account opening + Appraisal
The appraisal of the property will allow the bank to check the market value of the property.
Final deed
We will follow the process until the Final Deed that will mark the end of your project.
How can I refinance my mortgage in Portugal to save money?
Life Insurance
Life insurance is something we can negotiate out the bank and we are able to make you save a lot of money.
We are also able to provide you with better guarantees if you want to.
The life insurance is a real part of the process that most of the time is left on the side without any negotiation, while it is a real cost on which you can save money.
Mortgage interest and duration
As everyone knows, the market is always fluctuating and your current bank may not be the one providing the best conditions on the market.
We can provide you with up-to-date information from the banks that will enable you to reduce the interest you owe.
Sometimes (depending on the situation) we can also provide you with a solution without life insurance related to the mortgage.
Make a request
Make a request via our form.
We'll answer you as soon as possible to process your request and put you in touch with our brokers.
Schedule an appointment
Take 2 minutes to submit a mortgage request on our website or call us directly.
Depending on your language, you will be in contact with one of our brokers within 12 hours.
The appointment can be scheduled in our office or by video call.
After this meeting, you will receive a list of documents that will allow us to negotiate your process directly with our partners.
In general, we obtain our agreements within 2 to 10 working days.
Remaining capital
The first step will always be to schedule a meeting with one of our brokers to get a good understanding of your situation and the project.
This will make us able to let you know if there are any advantages in repurcharsing your current mortgage.
It's always a good idea to review the conditions of your mortgage regularly to ensure you get the best deal for your circumstances.
There are many options on the market today and if staying with your current lender is your best option, we can do that too and advise you on the best deal they are offering.
Search for the best rate
Depending on the remaining capital, we will find what's the best actual option on the market for your project.
We will be able to renegotiate your loan with a longer term and a better rate.
There is also the possibility, depending on your situation, of adding a 2nd mortgage line to get capital for other potential investments.
The time needed to study and approve the process varies according to its specifics nature.
In general, we obtain our agreements within 2 to 10 working days.
Presentation of the remortgage offer
If you are satisfied with the bank agreement we obtained, we will contact the bank directly to open the bank account and set up the expertise.
The appraisal of the property, called "Avaliação", allows the bank to check the coherence between the expected value and the marketing value of the property.
It has to be paid by the customer and will take place as soon as you have transferred the amount to the new bank account.
Bank account opening + Appraisal
Once the conditions have been pre-approved and if you are satisfied with the bank agreement we obtained, our broker will put you in touch directly with the bank to open the bank account and set up the appraisal of the property.
The appraisal of the property, called "Avaliação", allows the bank to check the coherence between the expected value and the marketing value of the property.
Final deed
If the value of the property is in line with its purchase value, the bank will proceed directly to the issue the final loan offer.
The offer is issued the next days after the return of the "Avaliação".
You will be able to sign the final deed 8 days after the date of issue of the final offer.
CAFIMO will be present so the process works as better as it can be until the Final Deed that will mark the end of your project.
CAFIMO Partners
