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Tied credit intermediary no. 0001290Insurance Agent no. 421571530
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Team

Hello, I am Carlos Amorim

Mortgage Credit Manager
As a Mortgage Credit Manager at CrediSegur, I am dedicated to helping clients find the financing solutions best suited to their projects. Each case is analyzed in a personalized way, always taking into account the needs and financial reality of each client. With knowledge of the process and direct contact with the banks with which CrediSegur has a contract, I present you with each one's proposals for your case and support you through to the deed signing. The decision to grant the credit is always the bank's.CrediSegur’s managers work for CRRF – Brokerage, Lda., a tied Credit Intermediary registered with Banco de Portugal under no. 0001290 and an insurance agent registered with ASF under no. 421571530 (Life and Non-Life). We do not provide advisory services.
Call +351 935 997 197

How can I help?

AcquisitionFor buying your new or pre-owned home. See the conditions that help you make this step a reality.
TransferTransfer your credit to another bank. We can review the conditions and help you find a better monthly payment.
ConstructionFinancing to build your home from the ground up. Your project, our support.
Personal CreditYou have personal projects and need a credit solution to make them happen.
Credit ConsolidationBring us your credit and combine it with other debts. Gain more financial breathing room.
Insurance for creditEnsure your family’s financial stability in the most difficult moments. Total protection and peace of mind for the future.
EnergySave on your electricity and gas bill. We compare tariffs for you and handle the switch of provider, in a simple way.

Simplify the credit process

Count on professional support
  1. Run a simulation with your details
  2. A dedicated manager will analyze your case
  3. We compare the banks’ proposals
  4. We present the proposals to you side by side
  5. We support you from start to finish
Illustrative example

How much could José and Vanessa save with a lower TAN and insurance?

An example calculation, with two hypothetical mortgage situations for the same property.José and Vanessa are fictional characters created for illustrative purposes — they do not correspond to a real case.
Illustration of a couple reviewing the conditions of their Mortgage
With the new rate and lower insurance costs they save€31,355.80Total savings (30 years)
Initial scenario (example)TAEG 4.39%
Simulated scenario (example)TAEG 3.74%
Monthly savings€89.85
Annual savings€1,078.20
Initial scenario (example)
Simulated scenario (example)
Amount
€240,000.00
€240,000.00
Term
30 years
30 years
TAN — Mixed Rate (fixed for 3 years)
2.95%
2.55%
Spread (after fixed-rate period)
0.85%
0.50%
Euribor
6 months
6 months
Insurance (Life + Multi-risk)
€90.00Annual: €1,080.00
€51.00Annual: €612.00
Upfront costs (fees and Stamp Duty)
€2,012.00
€2,012.00
Monthly payment
€1,095.39
€1,005.54
Payment after fixed-rate period
€1,195.05
€1,108.26
TAEG (example)
4.39%
3.74%
MTIC (example)
€428,642.30
€397,286.50
With the new rate and lower insurance costs they save€31,355.80Total savings (30 years)
Initial scenario (example)TAEG 4.39%
Simulated scenario (example)TAEG 3.74%
Monthly savings€89.85
Annual savings€1,078.20
The monthly payment and monthly savings refer to the fixed-rate period (3 years). After that, the rate becomes 6‑month Euribor + spread — assumption: 6‑month Euribor of 2.922%, average of September 2026 — and the monthly payment is recalculated. 360 monthly payments. Credit secured by mortgage. The TAEG includes the life and multi-risk insurance required to obtain the Mortgage under these conditions. TAEG and MTIC reflect the entire term.
Simulate now
*Illustrative, non-binding example, with fictional characters and values that do not correspond to the offer of any credit institution. This does not constitute a credit offer and does not replace an assessment of each client’s personal and financial situation, nor the approval of the lending credit institution. TAN, TAEG and MTIC values are presented under the terms of Decree-Law no. 74-A/2017 and Banco de Portugal Notice no. 5/2024; the actual values are calculated by the lending credit institution in the European Standardised Information Sheet (ESIS). CrediSegur (CRRF – Brokerage, Lda.) — tied credit intermediary registered with Banco de Portugal under no. 0001290.

Your Mortgage, without bureaucracy and 100% online

Simplified real estate financing. We compare the offers from the banks we work with for your home, land or renovations, and guide you through a 100% online process. Our intermediation service is free for you. CrediSegur, tied credit intermediary.
Simulate now

The Personal Credit you need, just a click away

We compare Personal Credit offers from the banks we work with and support you every step of the way. Fast, digital and with no intermediation costs for you. CrediSegur, tied credit intermediary.
Simulate now

Life and Non-Life Insurance, without complications

We work with Life and Non-Life Insurance from the insurers we have agreements with: we listen to what you need, compare the offers from those insurers and explain the coverage and exclusions of each one, with close and transparent support.
Simulate now

Buy or sell your home with the help of real estate consultants

We can put you in touch with a licensed real estate brokerage company (AMI): the appraisal, marketing, and negotiation of your property are handled by the consultant; we take care of your Mortgage.
More details
No brokerage fees for you
CrediSegur is compensated by partner banks. The cost of credit is measured by the TAEG and the MTIC.

How can we help?

Answer the questions to receive a simulation and a call from a manager
What do you want?
Credit information
€
€
1st applicant
Contact details
Required so we can submit your request.
By the way, where else can we help you save?By selecting one or more areas, you authorize CrediSegur to contact you about those areas. You can withdraw this authorization at any time, just as easily as this one, in each email or in your client area. Your data will only be shared with a partner if you authorize it in a specific checkbox that identifies that partner.