Mortgage Multi-options
For liquidity and/or consolidation
Best TAEG and MTIC in the marketWe negotiate until you get the best financing conditions.
Constant supportWe are by your side from the simulation to the day of the deed.
Free customer serviceIt 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.Multi-options or Mortgage Credit: What is it after all?
There can be many questions, and we like to simplify!
The Multi-options or Mortgage Credit is a financing solution where you use a property as collateral, usually your home or that of a direct family member, with their consent.This option allows you to:
•Consolidate multiple credits (Consolidated Credit with Mortgage), into a lower monthly payment and with a more advantageous interest rate
•Finance new projects: renovations, investments, family support, studies, your own business, or other personal goals.
Play
Discover the advantages
Invest what you want where you want
Consolidate credits
Invest in a project
Buy another property without a usage license
Buy land
Renovate your home
Buy a new car
What is LTV?
LTV (Loan to Value) is essentially the ratio between the amount the bank finances and the appraised value of the property. For this, it is necessary for an appraiser to prepare an appraisal report for the property.LTV
≤ 90%
New mortgage loans intended for the purchase or construction of a primary and permanent residenceLTV
≤ 80%
New mortgage loans, loans with mortgage guarantees or equivalent intended for other purposesLTV
≤ 100%
In specific situations, it is possible to obtain 100% financing, such as in the Youth Credit with State Guarantee, bank properties, or real estate leasingFree
Simple, fast, and secure process
01
Make a simulation with your data02
A dedicated manager will analyze your case03
We find the best solutions04
Property appraisal05
Signing of the contract or deedIllustrative exampleMortgage-Backed Loan
Eduardo and Beatriz used their paid-off home to reorganize their finances
In this example, they brought debts together, gained liquidity and financed the planning regularization of an extensionEduardo and Beatriz are a fictional character, created for illustrative purposes — they do not correspond to a real case.
Simulation (example)€329.00Monthly payment
What a Mortgage-Backed Loan is: it is a loan secured by a mortgage on a property, but without being limited to buying or building a home — it can be used, for example, to consolidate liabilities, obtain additional liquidity or finance works, including works to regularize the property's planning status. Unlike a mortgage taken out to buy a home, it does not necessarily benefit from the same conditions, and approval always depends on the appraisal of the property given as collateral — including its planning and documentation status.
Before you go ahead: a mortgage-backed loan increases the debt secured by your home — in the event of default, the property given as collateral may be enforced. Always review this decision, including term, rate and total cost, with your CrediSegur advisor before deciding.
Simulation (example)Purposes incorporated: €17,000 (consolidation: personal loan €8,000 + car loan €9,000) + €15,000 (additional liquidity) + €8,000 (planning regularization works) = €40,000
Property given as collateral(appraised)
€220,000.00
Property status
free of encumbrances
Loan amount
€40,000.00
Term
15 years
TAN — Mixed rate (fixed for 5 years)
4.25%
Spread (after fixed period)
1.50%
Euribor
6 months
Insurance (Multi-risk)
€28.00Anual: €336.00
Life Insurance is optional for this type of loan, and may be required depending on the risk profile of the operation.Monthly payment
€329.00
TAEG(example)
4.65%
MTIC(example)
€59,220.00
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
It is a solution that combines several credits (personal, credit cards, car loans, etc.) into a single monthly payment, without the need to provide a property as collateral.
You can consolidate:• Personal loans• Credit cards• Bank overdrafts• Car loans (in some cases)We analyze each situation to find the best solution.
In most cases, yes. By extending the term and improving the rate, the monthly payment tends to decrease, freeing up budget.
It can happen, depending on the term. Our focus is to find the balance between a lower payment and the total cost of the loan.
No. This option does not require a mortgage or property as collateral; however, if you have a property to offer as a mortgage, the conditions may be more advantageous. See our Multi-options Credit page.
Yes, in some cases it is possible to include an additional amount for new projects.
No. Our service is completely free for the client. Our fees are paid by financial institutions. We handle the entire process for you.
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 terms, 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 option most suitable 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, and do not constitute formal proposals, official bank simulations, any type of credit approval, or contractual obligation.Only with your consent, and after collecting the necessary information and documentation, can we request and analyze formal bank proposals, which may indeed generate a contractual obligation 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. Define the loan amount and term2. You indicate the purpose of the loan and other relevant information for calculating and simulating conditions (such as income, employment situation, current expenses, among others)3. You get an estimate of conditions based on your financial profile4. Our platform summarily analyzes the conditions practiced in the market and identifies the most competitive options, helping you save time, avoid trips to banks and understand, approximately, what the best solutions could be for you.The simulations presented are estimates and do not constitute formal proposals, credit approvals, or any contractual obligation. Only with your consent and after collecting the necessary information and documentation can we request and analyze formal bank proposals, which may indeed generate a contractual obligation in case of acceptance.
Free