Want to buy or sell a home? CrediSegur, a tied Credit Intermediary, compares Mortgage offers from the banks it has agreements with, on your behalf. For the purchase or sale of the property, we can put you in touch with a licensed real estate brokerage company (AMI), which we identify before sharing any of your contact details.
Buy or sell with the help of real estate consultants
Choose your side and submit your request. CrediSegur will call you and handle the Mortgage; the mediation of the purchase or sale of the property can only be carried out by a licensed real estate agency (AMI).Your request is handled by CrediSegur, as a tied Credit Intermediary, for the Mortgage part. When there is a partner real estate agency, it is identified here, with its name and AMI license, before any contact details are shared with it.
Buy
For those who want to buy
Looking for a home on your own can mean missing good opportunities, paying more than you should, or accepting unclear conditions.
Access to more properties. A real estate consultant can show you properties that are not yet advertised, either from private owners or through brokerage.
Negotiation that protects your interests. The consultant identifies risks, makes sure you pay a fair price, and gets the most out of the negotiation.
Market assessment. Property comparisons, identification of opportunities, and flagging of inflated prices.
End-to-end support. Viewings, documents, CPCV, inspections, and deed.
Reduce risk and save time. Find properties that make sense for you, avoid unnecessary visits, and detect structural, legal, or financial issues.
Sell
For those who want to sell
Selling requires a solid pricing strategy, effective promotion across several channels, qualified leads, and careful negotiation.
Realistic market assessment. Based on actual transactions, the local market, and current demand, avoiding mispriced listings.
Promotion plan and marketing strategy. Photography, video, preparing the property for viewings, and promotion across several channels to attract potential buyers.
Viewings with qualified buyers. Rigorous screening to avoid visitors who are just curious.
Negotiation to maximize value. Offer and clause management by managers who protect your interests.
Legal and documentation support. Full handling of certificates, contracts, CPCV, viewings, lawyers, and deed.
A simple, fast, and secure process
Free contact request with no obligation. If you sell through the consultant, the mediation commission is agreed with you in the mediation contract.
01
Submit a request with your detailsTwo minutes, free request with no obligation.
02
We review your requestCrediSegur will call you at the time you chose.
03
The agency looks for optionsWith your authorization, a licensed real estate brokerage company (AMI), identified before we share your contact details, looks for properties or buyers that make sense for you.
04
We handle your creditWe compare the Mortgage and insurance proposals; the property price is negotiated by the consultant.
05
Support all the way to the deedThe consultant follows the CPCV and the deed; we follow your credit.
Free request · 2 minutes
Step 1 of 3
Do you want to buy or sell a home?
Three short steps. CrediSegur will call you at the time you choose.
Yes. When selling a property, the cost of the brokerage service is agreed in advance between the owner and the real estate brokerage company, in the brokerage contract, and is communicated clearly and transparently before any commitment.
Having a specialized professional on your side brings several advantages throughout the entire process.Market knowledge: A real estate consultant knows the local market in depth, the prices being practiced and the best opportunitiesMore effective negotiation: Experienced professionals can negotiate better prices and conditions for their clientsDocumentation and legal compliance: the consultant follows the documentation throughout the entire process, so that everything runs safely and in line with the lawAccess to exclusive options: with a real estate consultant, you can gain access to properties that are not advertisedTime savings: the real estate consultant does the screening for you and only shows you options that match your needs
Having exclusive support guarantees 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 in a strategic and targeted way• Time savings: You avoid unnecessary visits and duplicated processes• More effective negotiation: There is more room to negotiate better conditions• Greater control over the process: You have a clear view of each step• Less pressure: The process becomes simpler, more organized and calmer
• Property Tax Register (Caderneta Predial)• Permanent Land Registry Certificate (Certidão Permanente do Registo Predial)• Energy Certificate• Usage License• Floor plan of the unit• Housing Technical File (Ficha Técnica da Habitação – mandatory for properties built after March 2004)These documents ensure that the property is legally compliant and ready to be sold, helping to avoid future issues.
When buying a property, there are several taxes and costs to take into account:IMT (Imposto Municipal sobre as Transmissões Onerosas de Imóveis):The amount varies according to the price of the property, its purpose (primary residence, second home, etc.) and other criteria. You can simulate this amount in our simulator.Imposto do Selo (IS – Stamp Duty): 0.8% of the property purchase price. If you are up to 35 years old and buy your primary and permanent residence under the IMT Jovem conditions, the IS is deducted up to €2,644.31 in mainland Portugal (€3,305.39 in the autonomous regions). You can calculate both taxes in our simulator.Property registration: the registration of the purchase is done at the land registry office and has a fixed cost — 250 € at the counter or 225 € online — regardless of the value of the property. If there is a Mortgage, registering the lien has an additional cost.Public Deed: The amount varies according to the notary office and the price of the property.IMI (Imposto Municipal sobre Imóveis – Municipal Property Tax): this is an annual tax, paid by whoever owns the property on December 31. If you buy the home during the year, you pay the IMI for that entire year in the following year; you may be entitled to a temporary exemption if it is your primary and permanent residence.Financing costs (if applicable): These include bank fees, property appraisal and other charges associated with the credit.
Stay up to date with all the news
Get tips on how to save on credit, insurance, and energy.
Buy