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FreeImmediate
Fixed rate over
25 years
Lowest rateAverage rate
3.05 %

Market rate: 3.75 %

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Satisfaction

We have built over 15 partnerships that allow us to secure the best market conditions.

We support clients with international financial structures, with income, assets and holding schemes from over 40 countries.

Over 83% of our applications result in approved financing.

98%
Satisfaction
15+
Partners
83%
Approval Rate
40+
Countries

Complete Financing Solutions

Home Loans

Home Loans

We find the best conditions for your mortgage. Our specialists analyze market conditions to guarantee the best rates and financing options tailored to your profile.
Best rates
Full support
100% free
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Life Insurance

Life Insurance

We find the best life insurance conditions. Our team evaluates the terms of various providers to offer the most complete coverage at the best price.
Best coverage
Best price
Free comparison
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Credit Transfer

Credit Transfer

We reduce your interest rate through credit transfer. We monitor rates and manage the entire transfer process to ensure you get the lowest rate on the market.
Payment reduction
Simplified process
Free analysis
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CAFIMO supports Portuguese and international clients in their real estate financing projects in Portugal. We work with multinational clients, earning their income in Portugal or abroad, and structure tailored solutions in credit and insurance, with rigour, discretion and a high level of service. In nearly 5 years, we have supported over 2,000 clients, financed more than half a billion euros and built a network of over 15 partners.

Make your request

Simple 4-Step Process

01
Make Your Request
Fill out the online form or contact us for a personalized analysis of your property project.
02
Analysis and Comparison
We analyze your profile and compare offers from over 15 banks to find the best conditions.
03
Credit Approval
We handle all documentation and support you until the final approval of your credit.
04
Deed
We coordinate with the bank, notary, and real estate agency for the completion of the deed.

What Our Clients Say

Don't just take our word for it, read what our clients have to say.

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Poupança na Taxa de Juro
A CAFIMO tratou de todo o processo do meu crédito habitação. Conseguiram uma taxa muito abaixo do que o meu banco me oferecia. O acompanhamento foi impecável do início ao fim, recomendo vivamente!
Guillaume
Guillaume
Comprador de Primeira Habitação

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%

Redução na Prestação Mensal
Transferi o meu crédito habitação com a ajuda da CAFIMO e consegui poupar mais de 150€ por mês na prestação. O processo foi simples e rápido, sem qualquer stress.
Ana Rodrigues
Proprietária em Lisboa

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%

Menos Custos Totais
Como investidor imobiliário, precisava de financiamento competitivo. A CAFIMO negociou condições excelentes com vários bancos e ajudou-me a poupar milhares de euros em juros ao longo do contrato.
Ricardo Ferreira
Investidor Imobiliário

Frequently Asked Questions

A specialized broker saves you time and money. They negotiate the best rate and credit conditions for you with various banks. We leverage our experien...

A specialized broker saves you time and money. They negotiate the best rate and credit conditions for you with various banks. We leverage our experience and banking partnerships to secure conditions that are not available directly to consumers, providing complete support throughout the entire purchase process.

Who pays the mortgage broker?

There are no brokerage fees in Portugal. When recommending a client to our financial partners, CAFIMO receives a commission. The service is completely free for clients - our remuneration comes from referral commissions with partner financial institutions.

Foreign financing presents complications since international lenders cannot establish Portuguese guarantees. The displaced mortgage option exists but carries disadvantages and higher costs. We always recommend working with Portuguese banks to get the best conditions.

On average, from request to deed, the process takes between 4 to 8 weeks, depending on the complexity of the case and the speed of documentation delivery.

Yes, banks typically finance up to 90% of the property value. You will need to have at least 10% of the value available plus associated costs (taxes, notary, etc.).

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We Work With the Best Banks

Novo Banco
CGD
EuroBic
BPI CaixaBank
Santander
Bankinter
Banco CTT
EuroBic Grupo ABANCA
UCI
Crédito Agrícola
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