Mortgages
Buying, building or renovating. I submit the file to several banks and you get the offers side by side, with spread, payment, fees and insurance included.
- First or second home
- Construction and renovation
- Purchases with IMT Jovem relief
Ana Aleixo
Buying a home is the biggest financial decision most people ever make. My job is that you make it with every number in front of you, unhurried and without small print.
- You pay nothing. I'm paid by the bank the case closes with.
- Several banks at once. Instead of going branch to branch.
- Credit and insurance together. MaxFinance Passion and SABSEG, with me as your contact.
I work with 
· SABSEG
About me
I'm Ana, and you deal with me from start to finish
I manage mortgages at MaxFinance Passion and insurance at SABSEG. I work with people buying a home, people who already have a mortgage and want to pay less, and people who need to merge several loans into one payment.
What that means in practice: I put the file together, submit it to several banks, compare the answers and explain every figure before you sign. I handle the insurance too, which is usually where there's most money to save without losing cover.
If the numbers don't work, I'll tell you. I'd rather lose a case than put someone into a payment they can't carry.
Ana
In numbers
What changes when you come to me
0 € That is what you pay me. My fee comes from the bank the case closes with.
19 Banks and insurers looking at your file, instead of just one.
48 h That is how long a first read of your file takes, once I have the documents.
150+ Cases seen through, from the first phone call to the deed.
These are numbers about how I work, not promises of approval. Every file is assessed by the bank.
Credit and insurance
What I handle
Credit and insurance in one place, with the same person.
Switching your mortgage
People who signed more than two years ago are usually paying above market. I run the numbers before anything moves: what you save, what switching costs, and how many months it takes to earn that back.
- Renegotiate the spread
- Move to another bank
- Review the linked insurance
Personal and consolidated credit
Merging scattered loans into one payment, or financing a specific project. We check first whether it actually improves your month.
- Debt consolidation
- Car finance
- Renovation and projects
Insurance
Life, home, health, motor. As a broker I compare the market instead of accepting whatever comes glued to the mortgage. This is usually where the quickest saving shows up.
- Mortgage life cover
- Home multi-risk
- Health, motor, liability
Insurance
Insurance is not an add-on to the loan
The bank requires life and home cover, but the insurer is your choice. This is where the quickest saving usually shows up, without losing cover.
Life
What the bank requires, quoted on the market. For couples, how the capital is split between the two lives changes the premium a lot.
Home
Covers the property and its contents. The sum insured is worth checking: get it wrong and you either overpay or end up underinsured.
Health
Appointments, tests and hospital stays without the waiting list. I compare cover, waiting periods and what is excluded.
Motor and other
Motor, liability, personal accident. If you already have cover, I review the policies and tell you if you are overpaying.
Many banks lower the spread if the insurance stays with them. The maths has to be done both ways, and that is what I do.
Why me
A bank gives you one offer. I make them compete.
That is the difference between walking into one branch and having someone take the same file to several.
- I explain until it makes senseI do not use words that make you ask what they mean. If something is still unclear, we go back over it as many times as it takes.
- I tell you no when it is noI would rather lose a case than put someone into a payment they cannot carry. When the numbers do not add up, you hear it from me first.
- I do not disappear after you signI stay until the deed, and I am still here when it is time to review the spread or the insurance. A mortgage lasts decades; so does the follow-up.
On your own, at the branch
One offer, and that is it
- You only get to see the terms of the bank you walked into.
- The person helping you has their bank's targets to meet, not yours.
- Insurance comes bundled with the loan, with no alternative on the table.
- If the answer is no, the file ends there.
- You repeat the same paperwork at every branch you visit.
With me
Several offers, compared line by line
- The same file goes to several banks at once.
- You get the offers side by side: spread, payment, fees and insurance.
- Insurance is quoted on the open market, separately from the loan.
- If one bank declines, I already know where the file goes next.
- You hand the paperwork over once, to me, and I take it from there.
How it works
From the first phone call to the deed
Five steps. At each one you know where you stand and what is still missing.
01
A fifteen-minute call
I find out what you want to do and what you already have in place. If the numbers do not add up, I say so right here.
02
I put the file together
I give you the exact document list for your case and check everything before it reaches any bank.
03
Several banks at once
I submit where it makes sense for your profile and negotiate the spread. It is not the same file for everyone.
04
Offers compared
I walk you through every number before you sign: payment, APR, fees and insurance. You choose with the maths done.
05
Valuation and deed
I follow the property valuation, the booking and the day of the deed. I stay with the client to the end.
Run the numbers before you call me
Three approximate calculations, done on your own phone. Nothing is sent unless you submit it. When you're ready, send me the result in one click.
What will I pay each month?
Mortgage, constant instalments, variable rate. 6 meses Euribor: 2.662%.
€
Banks lend up to 90% on a permanent own home.
Rate as at 2026-08-11, from Banco de Portugal.
%
The bank's margin. It's the part that gets negotiated.
€
Optional, only used for the debt-service ratio.
Monthly payment
—
Nominal rate—
APRC—
- Amount financed
- —
- Loan to value
- —
- Debt-service ratio
- —
- Total interest
- —
- Purchase taxes
- —
- Transfer tax (IMT)
- —
- Stamp duty
- —
- Cash you need up front
- —
This APRC covers principal and interest only. It excludes insurance, fees and registration, so the bank's APRC will be higher.
Approximate figures, on constant instalments and assuming the Euribor stays flat for the whole term. On a variable rate the payment moves with the Euribor. This is not a credit offer and binds no institution. IMT for permanent own homes, mainland Portugal. Source: AT, Ofício Circulado 40129/2026.
Is switching bank worth it?
What you save by changing spread, with the cost of switching included.
€
It's on your statement, or on your Banco de Portugal credit report.
%
%
If you don't know, leave it. I'll tell you what's realistic in your case.
You save monthly
—
Current payment—
New payment—
- Nominal rate
- —
- You save in total
- —
- Cost of switching
- —
- You earn that back in
- —
Early repayment fee at 0.5% of capital (variable rate), plus 300 € in valuation and registration. Approximate figures, on constant instalments and assuming the Euribor stays flat for the whole term. On a variable rate the payment moves with the Euribor. This is not a credit offer and binds no institution.
One payment instead of several
A new personal loan, or consolidating what you have.
€
The total to finance, or the sum of the loans you're merging.
%
Indicative. The real rate depends on your profile and the bank.
€
Optional. Add up the instalments you want to merge.
Monthly payment
—
Nominal rate—
APRC—
- Total interest
- —
- Total repayable
- —
- You save monthly
- —
The rate on a personal loan varies a lot with each person's profile. This is a starting point, not an offer.
Approximate figures, on constant instalments and assuming the Euribor stays flat for the whole term. On a variable rate the payment moves with the Euribor. This is not a credit offer and binds no institution.
The figures travel with the message.
Documents
What you will need to gather
The list changes with each case, but it is almost always this. If you are unsure about a document, send me a photo and I will tell you if it works.
Who you are
- ID card or passport, and tax number
- Proof of address
- IBAN of the account your salary goes into
What you earn
- Payslips for the last three months
- Employer's letter stating contract type and length of service
- Latest tax return and assessment note
- Three months of bank statements
- If self-employed: invoices, IES and proof of activity
What you owe, and the property
- Banco de Portugal credit liabilities report
- Contracts for the loans you already have
- Property tax record and land registry certificate
- Promissory contract, occupancy licence and energy certificate
You do not need all of it to call me. With your payslips and the Banco de Portugal liabilities report I can already tell you what is possible.
Who I work with
The institutions I make compete
For credit I work through MaxFinance Passion and for insurance through SABSEG. That is how your file reaches these institutions.
Credit
Banks and lenders your file can be submitted to. Which ones make sense depends on your profile, and I will tell you in the first conversation.
- Caixa Geral de Depósitos
- Millennium bcp
- Santander
- Novobanco
- BPI
- Bankinter
- Crédito Agrícola
- Abanca
- UCI
- Banco CTT
- Cofidis
Insurance
Insurers I can quote for life, home, health and motor cover.
- Ageas
- Allianz
- Fidelidade
- Generali Tranquilidade
- Lusitania
- Zurich
- Real Vida
- Una Seguros
Testimonials
What clients say
The Google reviews are on their way.
An excellent experience with Ana Aleixo. Always available, professional and very clear throughout the process. She helped me find the best financing solution, handling everything quickly and without complications. I recommend her 100% to anyone looking for support they can trust when getting credit!
Were you a client of mine? A few words from you help someone who is deciding right now. Send me two lines on WhatsApp and I will ask your permission to publish them here.
Questions
Questions I always get
If yours isn't here, send it through the form.
What does your service cost?
Nothing. I'm paid by the institution the case closes with, and the amount is disclosed before you sign. I charge the client nothing at any stage.
Which documents do I need?
For an initial assessment: the last three payslips, your latest tax return with the assessment note, three months of bank statements, and your Banco de Portugal credit report. If you're self-employed it differs slightly. I'll give you the exact list for your case on the first call.
How long does a mortgage take?
From submitting the file to approval, roughly two to three weeks if the paperwork is complete. Then comes the property valuation and scheduling the deed. On average, a month and a half to two months from start to finish.
Do banks finance the whole property?
On a permanent own home, Banco de Portugal recommends a maximum of 90% of the valuation or purchase price, whichever is lower. In practice you need the 10% down payment plus taxes, the deed and registration. The calculator shows that total.
Is it worth moving my mortgage to another bank?
It depends on the spread you have today and how long is left to pay. Switching has costs, mainly the early repayment fee and the new valuation. The calculator tells you how many months it takes to earn that back. If it's under two or three years, it's usually worth it.
Do I have to take the insurance from the bank giving me the mortgage?
No. The bank requires life and home cover to exist, but you choose the insurer. Many banks offer a lower spread if you take their policies, so the maths has to be done both ways. That's one of the things I compare.
I live or work outside Portugal. Can I get a mortgage?
Yes, several banks lend to non-residents and to Portuguese living abroad, on different terms from a resident's, usually with a larger down payment. I handle cases like this. Tell me the country and your employment situation and I'll tell you where there's appetite.
What is IMT Jovem?
It's the exemption from transfer tax and stamp duty on a first permanent own home for buyers aged 35 or under, up to a purchase price of 330,539 euros in 2026. Above that the relief is partial. There's a checkbox in the calculator to see the difference.
Contact
Tell me where you are
Pick the subject, write two lines, and I reply within the same working day.
Start with a fifteen-minute conversation
No commitment. I work out what you want to do, tell you what's possible, and which documents you'll need.