Buy or Sell Your Home

Whether you are thinking of selling or buying a home, at CrediSegur you have support at every step. In addition to handling your Mortgage, we work with a network of real estate consultants, making this process much simpler, faster, and safer.

Authorized by Banco de PortugalCredit intermediary no. 0001290

CRRF - BROKERAGE, LDA, headquartered at Rua da Terça, 11 3200-010 Casal de Ermio, acts as a Linked Credit Intermediary, registered with Banco de Portugal under no. 0001290, is authorized to present or propose credit contracts to consumers and to assist in the preparatory acts of those contracts or other pre-contractual management work regarding credit contracts that have not been presented or proposed by it. It does not provide consulting services. Covered Credit Contracts: Mortgage and Consumer Credit. Maintains a binding contract with the following lenders: BANCO BPI S.A., CAIXA GERAL DE DEPÓSITOS, S.A., BANCO SANTANDER TOTTA, S.A., NOVO BANCO, S.A., BNI - BANCO DE NEGÓCIOS INTERNACIONAL (EUROPA), S.A., BANKINTER, S.A. - BRANCH IN PORTUGAL, ABANCA PORTUGAL S.A., SICAM - CAIXA CENTRAL E CAIXAS DE CRÉDITO AGRÍCOLA MÚTUO, UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - BRANCH IN PORTUGAL, BANCO CTT, S.A., COFIDIS, BNP PARIBAS PERSONAL FINANCE, S.A. - BRANCH IN PORTUGAL, BBVA, INSTITUIÇÃO FINANCEIRA DE CRÉDITO S.A. Complete and updated information can be consulted at: https://www.bportugal.pt/intermediariocreditofar/crrf-brokerage-lda, Email: crrf360@sapo.pt. CRRF - BROKERAGE, LDA operates under the national brand "CREDISEGUR", registered with the National Institute of Intellectual Property under no. 668183.

For those who want to buy

Searching for a home alone can mean missing out on good opportunities, paying more than you should, or accepting unclear conditions.

A couple receiving the keys to the home they have just bought

For those who want to sell

Selling requires a good value strategy, effective promotion across various channels, qualified contacts, and careful negotiation.

A for-sale sign outside a house, with the owner closing the deal

Buy a home with the help of real estate consultants

Certified by CrediSegur

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

Negotiation that protects your interestsConsultant identifies risks, ensures you pay the right amount, and maximizes the negotiation.

Market appraisalComparison of properties, identification of opportunities, and flagging inflated prices.

Complete supportVisits, documents, CPCV, inspections, and deed.

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

Sell your home with the help of real estate consultants

Certified by CrediSegur

Realistic market appraisalBased on real transactions, local market, and current demand, avoiding mispriced properties.

Promotion plan and marketing strategyPhotography, video, home staging, and promotion across various channels to attract potential buyers.

Visits by qualified buyersStrict selection to avoid merely curious visitors.

Negotiation to maximize valueManagement of offers and clauses by specialists who defend your interest.

Legal and documentary supportComprehensive handling of certificates, contracts, CPCV, visits, banks, lawyers, and deed.

Simple, fast, and secure process

01

Submit a request with your details

02

A consultant analyzes your case

03

We find the best solutions

04

We present the best terms

05

We accompany you from start to finish

Free

Do you want to buy or sell a home?

Answer the questions to get the best terms

Yes. When selling a property, the cost of the service is defined and agreed upon in advance between the owner and our partner, and is always communicated clearly and transparently before any commitment.

Having a specialized professional brings several advantages throughout the entire process.Market knowledge: A real estate consultant knows the local market, the prices practiced, and the best opportunities in depth.More effective negotiation: Experienced professionals can negotiate more advantageous values and conditions for clients.Documentation and legality: Our partners provide legal support throughout the process, ensuring that everything proceeds safely and legally.Access to exclusive options: By working with our partners, you can access properties that are not publicly available.Time savings: Our consultants screen options for you and present only those that truly fit your needs.

Having exclusive support guarantees you a personalized service focused on your goals.• Greater dedication and attention to your process• More effective marketing strategies: The promotion of the property is planned strategically and targeted• Time savings: You avoid unnecessary visits and duplicated processes• More effective negotiation: There is greater room to negotiate better conditions• Greater control of the process: You have a clear view of each step• Less pressure: The process becomes simpler, organized, and calm.

• Property Tax Book• Permanent Certificate of the Land Registry• Energy Certificate• Usage License• Floor plan of the unit• Technical Sheet of the Housing (mandatory for properties built after March 2004)These documents ensure that the property is legally regularized and fit for sale, avoiding future problems.

When acquiring a property, there are several taxes and costs to consider:IMT (Municipal Tax on Property Transfers):The amount varies depending on the price of the property, the purpose (primary residence, second home, etc.), and other criteria. You can simulate this amount in our simulator.Stamp Duty (IS): Corresponds to 0.8% of the acquisition value of the property.Property Registration: The cost depends on the value of the property and the notary where the registration is done.Public Deed: The amount varies according to the notary and the price of the property.IMI (Municipal Property Tax): It is an annual tax. In the year of purchase, it is paid proportionally to the period you own the property.Financing costs (if applicable): Include bank fees, property appraisal, and other charges associated with credit.