I Want to Buy House

Buying a house is one of the most important financial decisions of your life and can mean missing out on good opportunities, paying more than you should, or accepting unclear conditions. Have you heard about the Buyer Representative?

The Buyer Representative service provided by CrediSegur consists of independent support to the buyer, of a consultative nature and decision-making support, framed as a provision of commercial services, under the Commercial Code. This service does not constitute real estate mediation activity. CrediSegur does not promote, solicit, mediate, or negotiate properties, does not represent sellers, nor receives any commission associated with the real estate transaction. The Buyer Representative acts exclusively in defense of the interests of the buyer, providing support in financial framing, financing, cost analysis, risks, and purchase conditions, without intervening in the sale of the property as a real estate transaction. The remuneration for the service is agreed directly with the buyer, which may take the form of a fee paid against results, and the service is subject to VAT at the legal rate in force, under the VAT Code. This model ensures independence, transparency, and absence of conflicts of interest, ensuring a clear separation from real estate mediation.

What is the advantage of having a Buyer Representative compared to Real Estate Mediation?

In real estate mediation companies, the commission is paid by the seller. Naturally, the conduct of the process tends to be aligned with the interests of those who pay for that service.At CrediSegur, the model is different. The support is provided by a Buyer Representative, an independent figure created to exclusively defend the interests of the buyer. This model eliminates conflicts of interest and promotes safer decisions, both in financing and in the purchase of the property.

Buy a house with the help of real estate consultants

Exclusive access to propertiesOff-market houses, properties from individuals, properties in real estate mediation

Negotiation that protects your interestsConsultant identifies risks, ensures you pay a fair price, and maximizes the negotiation

Market appraisalProperty comparison, opportunity identification, and highlights inflated prices

Complete supportVisits, documents, CPCV, inspections, and deed

Reduce risk and save timeFind properties that really make sense for you, avoid unnecessary visits, and detect structural, legal, or financial issues

Simple, fast, and secure process

01

Make a request with your details

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The Representative analyzes your case

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We present our value proposal

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We find the right property

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Support until the deed

The experience of those who bought with CrediSegur

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As a first-time homebuyer, I didn't know where to start. The Buyer Representative recommended by CrediSegur was tireless: he found properties off-market, negotiated on my behalf, and explained every step clearly. I felt like I had someone on my side – not just showing houses.

Ricardo TavaresBuyer in Leiria

s

The quality of support made all the difference. The Buyer Representative that CrediSegur referred me to analyzed documents, detected issues with a property I was about to buy, and saved me from a bad deal. I ended up finding a better and more financially balanced home.

Susana PereiraBuyer in Braga

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We had been searching for months without success. When we contacted CrediSegur, within a few days we were connected to a certified Buyer Representative who knows the local market like no one else. We found exactly what we needed and he helped us negotiate an excellent price.

André and CarolinaBuyers in Aveiro

Free

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Do you have something to say? Write your message here.

I declare that I have read and accepted the Privacy Policy and the Terms and Conditions of CrediSegur and I authorize the processing of my personal data for the purpose of advising on savings solutions in the context of mortgage credit. I also authorize CrediSegur to contact me to present savings proposals in other services, including insurance related or not to mortgage credit, other types of consumer credit, commercial energy proposals, travel proposals, and real estate services, provided directly by CrediSegur or through its partners. I also consent to receive informative communications and savings suggestions by email, and I can withdraw my consent at any time.

It is a service of exclusive representation for the buyer. We do not sell properties, we do not acquire properties, and we do not receive commissions from sellers. Our only goal is to defend your interests as a buyer.

Real estate agencies typically represent the seller.We only represent the buyer.This means that:• We have no interest in closing quickly• We do not earn more if the price is higher• We are not influenced by sales commissions• We can tell you not to buy if it is the best decision

Yes. This is an independent consulting service, paid exclusively by the buyer.This is what ensures that we are 100% on your side, without conflicts of interest.

Because that would create a conflict of interest.If we were paid by the seller, we could not defend you in a completely independent manner. Here, the one who pays is the one who is defended.

Depending on the plan, we can support you in:• Defining a buying strategy• Market analysis• Filtering properties• Fair price assessment• Risk detection• Document analysis• Support during visits• Negotiation strategy• Support in the CPCV and deed• Credit follow-up• Protection against hasty decisions

Yes. We work with properties in mediation and out of mediation.But we never represent the seller; we represent you.

No. This service does not sell properties.This service protects buyers.It can work alongside real estate agencies, stands, developers, or individuals — always on your side.

This service does not replace Real Estate Mediation as it does not acquire, mediate, or negotiate properties, does not represent sellers, nor receives commissions associated with the real estate transaction.The service consists exclusively of independent support to the buyer, of a consultative nature and decision-making support.

Yes, but with an absolute rule:The credit decision is always analyzed and defended based on the buyer, not on closing the deal.If it is better not to buy, we will say so.

Yes. In more mature markets, such as the USA, Canada, and the UK, this model has existed for decades (Buyer Agent / Buyer Advocate).Portugal is behind in this regard, and that is what we are changing!

This service is ideal for those who:• Are going to make the biggest purchase of their life• Do not want to be pressured• Want rational, not emotional decisions• Want transparency• Want real protection• Want to negotiate well• Want to avoid costly mistakes

In practice, our clients usually save:• On the price of the property• On financing• From avoided mistakes• From detected risks• From future problems

Yes. Everything is clear, transparent, and contractual from the start.

The Buyer Representative service falls under the general regime of commercial service provision and is not subject to a licensing regime or specific sector oversight, as it does not constitute real estate mediation activity.The activity is carried out in compliance with the applicable legal framework and is subject to the relevant entities and regimes, namely the Tax and Customs Authority (AT), ASAE, and the general consumer protection regime.Is this service regulated or supervised by any entity?Yes. Although it is not a regulated activity like real estate mediation, the service is subject to oversight and legal framework through:• Tax and Customs Authority, in compliance with tax and invoicing obligations, including VAT settlement;• ASAE, in the context of monitoring economic activities and commercial practices;• Consumer Protection Regime, ensuring transparency, clear information, and customer protection;• Judicial Courts, for the resolution of any contractual disputes.

Because CrediSegur does not promote, acquire, mediate, or negotiate properties, does not represent sellers, nor receives commissions associated with real estate transactions.The service consists exclusively of independent support to the buyer, of a consultative nature and decision-making support.

Yes. The legal framework and applicable oversight ensure that the service is provided lawfully, transparently, and responsibly, with clear duties of information, good faith, and consumer protection, maintaining a clear separation from real estate mediation.

Because the current model benefits those who sell and not those who buy.We are here to change that.