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Impartial Mortgage advice since 2018

Mortgage Brokers in
Portugal & Spain

Impartial advice with a 98 % approval rate46

  • Covering allPortugal & Spain

  • Office: Mon - Sat: 9am-6pm

  • Call our team: +34 963 156 011

  • Call our team: +34 963 156 011

  • Covering all Portugal & Spain

  • Office: Mon - Sat: 9am-6pm

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Mortgages don't have to be complicated. Here's how we are simplifying the process

1Instant easy quote

Get expert advice or do an affordability check to determine your elegibility for a mortgage in Spain or Portugal

2Complete affordability-check

Get pre-approved through our affordability check and get up to two no-obligation quotes within 48 hours.

3Approved and completed

Save time by ensuring that you understand the full application and mortgage process in Spain from the start.

Mortgage Direct

Totally independent advice

Since 2018 Mortgage Direct (nowadays through AssertiveProfit) have been liaising with banks, estate agents and international property buyers in Portugal's ever-changing mortgage market.

Fast track approvals

In some cases, due to our long-standing banking contacts, we can ensure fast-track approval of your mortgage application.

Exclusive conditions

We negotiate the terms and conditions with various banks to bring you exclusive mortgage conditions only available to Mortgage Direct.

98% Approval!

We have a 98% approval rate and our service comes with a money-back guarantee if the terms offered cannot be achieved.

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Katherine from Mortgage Direct

A full range of
mortgage solutions

Mortgage Direct provides mortgage solutions for all types of needs

Holiday home mortgages

Holiday home mortgages are available for private non-resident property buyers, who are not Portuguese residents.)  The maximum borrowing amount is up to 70% of the property purchase price (or valuation if lower)

Holiday home morgages

Construction mortgages

Construction mortgages are for property buyers who wish to build a new house from the ground up or to renovate an existing property. The maximum borrowing amount is generally 50% of the plot cost plus 70% of the cost of the works.

Construction mortgages

Primary residence mortgages

Primary residence mortgages are for those who will live in their property in Portugal as their main residence and pay their income tax here.  It's possible to secure mortgages up to 80% of the property purchase price (when you are a Spanish taxpayer) with rates from Euribor + 0.99% or fixed rates from 1.95%

Primary residence mortgages

Investment mortgages

Investment mortgages are for those property buyers planning to rent out their property after purchase. Generally speaking, banks will only offer 50-60% of the property purchase price (or valuation if lower) for these types of mortgages.

Investment mortgages

Commercial mortgages

Commercial mortgages, including mortgages taken out by companies, are for those who seek to buy property for commercial purposes and might include investment mortgage. Available up to 50% of the property purchase price with rates from Euribor + 2.1%.

Commercial mortgages

Bridging finance

Mortgage Direct can help you arrange Bridging Finance throughout Portugal for amounts in excess of €500,000 for loan terms of up to 36 months and up to 65% LTV.  Interest rates are available from 0.70% pcm and different sectors are considered

Bridging finance

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