Mortgage Simulator
Opens doors to your new home
We negotiate with banks to get you the best mortgage loan conditionsWe negotiate until you get the best financing conditions.
Multiple proposals in minutesIt only takes 5 minutes to access offers from various banks.
Free service to the customerIt is the banks and financial institutions that pay us a fee, only if there is a contract.
We negotiate with banks to get you the best mortgage loan conditionsWe negotiate until you get the best financing conditions.
Multiple proposals in minutesIt only takes 5 minutes to access offers from various banks.
Free service to the customerIt is the banks and financial institutions that pay us a fee, only if there is a contract.
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.Find the ideal Mortgage with our help
Bureaucracies, comparisons, and negotiations?
From simulation to approval of the Mortgage
See how to do it, step by step
01
SimulationDefine the desired amount and term and get an initial estimate of your monthly payment.
02
Financial AssessmentWe analyze your profile (net monthly income, household, active credit responsibilities, and whether you have already chosen a property) to confirm if there are conditions to proceed with the financing.
03
Document CollectionWe help you gather all the necessary documentation to submit your application to the banks.
04
Pre-approvals and Proposal PresentationWe submit your application to banking institutions, gather pre-approval proposals, and present them for you to choose the most advantageous one.
05
Property Appraisal and InsuranceThe bank appraises the chosen property, issues the final letters, and then we handle the mandatory insurance.
06
DeedYou sign the mortgage contract and the house deed.
What you should consider when taking out a Mortgage
Free
Simple, fast, and secure process
01
Make a simulation with your data02
A dedicated manager will analyze your case03
We find the best solutions04
We present the best proposal05
We accompany you from start to finishWe negotiate for Isaac and Carolina
They managed to save over €27,000
Bank Proposal
Amount€240,000.00
Mixed Rate for 3 years2,95%
Euribor6 months
Spread0,85%
Insurance
Monthly:€90.00Annual:€1,082.70
Monthly payment
€979.00
CrediSegur Proposal
Amount€240,000.00
Mixed Rate for 3 years2,45%
Euribor6 months
Spread0,65%
Insurance
Monthly:€51.00Annual:€979.70
Monthly payment
€873.00
With the new rate and reduction of insurance, they save
Monthly savings
€106.00
Total savings
€27,016.00
Do you need to Transfer, Build or for another purpose?
Travel, study, or renovate your home. You choose!
Our platform automatically compares TAEG, MTIC, and general conditions, allowing you to make an informed decision and save money.
4.9/5
A credit intermediary is an entity authorized by Banco de Portugal that acts as a bridge between the client and the banks, helping to find the best financing solutions, compare proposals, and accompany the entire process.CRRF – BROKERAGE, LDA., owner of the CrediSegur brand, is an authorized credit intermediary that operates with complete transparency and without exclusive ties to any financial institution, always ensuring you the most suitable option for your profile.
The simulation allows you to quickly compare market offers and identify, approximately, the rates and conditions practiced by different banks, helping you make an informed decision, save time, and avoid unnecessary costs.The simulations presented in our comparators are summary analyses and estimates, based on the average conditions practiced by financial institutions, not constituting formal proposals, official bank simulations, any type of credit approval, or contractual binding.Only with your consent, and after collecting the necessary information and documentation, can we request and analyze formal bank proposals, which may indeed generate contractual binding in case of acceptance by the client.At CrediSegur, you have the support of credit specialists who accompany you throughout the process, from simulation to contract formalization, ensuring a simple, secure, and personalized experience.
The process is 100% online and free!1. You indicate the amount and term2. You choose the purpose of the credit3. You receive personalized proposals based on your financial profile4. Our platform reviews the conditions available on the market and identifies the most competitive options, helping you save time, avoid trips to the bank and get a good sense of which solutions may suit you best.The simulations presented are estimates and do not constitute formal proposals, credit approvals, or any contractual binding. Only with your consent and after collecting the necessary information and documentation can we request and analyze formal bank proposals, which may indeed generate contractual binding in case of acceptance.
Variable RateIt is calculated by adding the spread to Euribor and is updated periodically, every 3, 6 or 12 months, depending on what is defined in the contract.
Fixed RateWith a fixed rate throughout the contract, you guarantee a stable payment without fluctuations. This gives you greater protection against market uncertainty. But, be aware, it may make the loan more expensive.
Mixed RateThe loan starts with a Fixed Rate and then switches to a Variable Rate.
The Euribor results from the average interest rates that a group of eurozone banks charge each other to lend money. If the type of rate on your loan is variable, its value is reviewed every 3, 6, or 12 months, depending on what is defined in the contract, which means that your payment may rise or fall over time.
Nominal Rate (TAN)It is mandatory for any loan and indicates how much interest you will pay annually. It is the sum of the Spread and Euribor (for a variable rate loan) or the Fixed Rate, depending on the contracted interest rate. The Nominal Rate does not include commissions, insurance or taxes; it is only the financial institution's margin.
APR (Annual Percentage Rate)The APR indicates the total cost of the loan as an annual percentage of the borrowed amount. Its value results from interest (Nominal Rate), commissions, mandatory insurance, taxes, registrations and other charges. This is the total cost of your financing.
The Total Amount Charged to the Consumer (MTIC) is the total amount you will pay to the financial institution by the end of the contract. It includes the loan amount, interest (TAN and TAEG), commissions, taxes, mandatory insurance, and other charges. The higher the interest rate, the greater the MTIC.
The European Standardized Information Sheet (FINE) is a document issued by the financial institution that presents all the conditions and associated costs of your mortgage.It allows you to analyze the conditions of your loan and compare different credit proposals before signing the contract.In the document, you will find information such as:• Loan amount and contract duration• Applicable interest rates (Nominal Rate, APR, etc.)• Total Amount Payable• Commissions, mandatory insurance and taxes• Rate review conditions (if variable)• Obligations of the client and the bank
According to the rules of Banco de Portugal, banks generally finance up to 90% of the purchase price of the property for primary and permanent residence. This means that, typically, you will need to have at least 10% of the house price to put down as a down payment.This amount also includes the costs of purchase, such as taxes, deed, and registrations.However, in some specific cases, particularly for young people up to 35 years old who meet certain criteria defined by financial entities and ongoing programs, it may be possible to obtain financing up to 100% of the property's value.
The spread is the profit margin that the bank applies over the reference index (Euribor, in the case of a variable or mixed rate) and represents the cost that remains exclusively for the bank for granting you the credit. The lower it is, the lower your monthly payment.In practice, your final interest rate results from the sum of the Euribor (if you have a variable or mixed rate) and the spread defined by the bank. For example, with a Euribor at 2% and a spread of 1%, your interest rate is 3%.The spread value varies from bank to bank and depends on your risk profile and the products associated with the credit, such as insurance and salary domiciliation. In Portugal, a competitive spread usually ranges between 0.5% and 1.5%, but it can be much higher without these discounted products.In our simulator, we compare the spread of various bank proposals and negotiate for you to get the lowest possible value, without having to contract products you don't need.
The effort rate is the percentage of net monthly income that is committed to paying charges and credit installments. In practice, it indicates the percentage of income used by current responsibilities. It is one of the main indicators that banks use to assess the risk of a loan. The lower the effort rate, the more balanced the budget, and the higher the probability of a credit application being approved.
• Citizen Card, from both applicants• Salary receipts from the last 3 months• Bank statements of the salary accounts, from the last 3 months• Proof of employment or employment contract• Negative Property Certificate from the Tax Authority, obtained through the tax portal (100% Youth Financing)• IRS Model 3 tax return 2025, if already available• IRS Settlement Certificate 2025• Credit Liability Report (available at https://www.bportugal.pt/area-cidadao/formulario/227)• Certificates of no debt to Social Security and the Tax Authority (100% Youth Financing)• Proof of address (Tax Domicile Certificate)
At CrediSegur, we work side by side with various banks and financial institutions in Portugal. They pay us a fee only if there is a contract, at no cost to the client. This is how our service becomes completely free.
FREE