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Choose your credit
Choose your credit
We broker the right credit for you
We broker the right credit for you
We compare the best offers on the market and help you find conditions that suit your budget and needs.
About us
We link objectives to financial solutions
We link objectives to financial solutions
At Finanz Credit, we help our clients find the best mortgage solution for every situation. We specialise in first and second homes, offering financing of up to 100%.
Our aim is to make a complex process simple, clear and secure. We analyse each case on an individual basis, examine the various options available and negotiate with financial institutions to secure the best possible terms.
We support the client throughout the entire process, from the initial assessment to the signing of the agreement, offering a friendly, transparent and professional service. We know that every person and every project is different, which is why we work with solutions tailored to the real needs of each client.
Experience, trust and personalised service are the cornerstones of Finanz Credit. Rather than simply finding a mortgage, we help you make the best decision for your future.
Finanz BDN accompanied me throughout the entire process of buying my home. They explained each step clearly and found a solution with a much better rate than I expected. I always felt that they were on my side.
Finanz BDN accompanied me throughout the entire process of buying my home. They explained each step clearly and found a solution with a much better rate than I expected. I always felt that they were on my side.
Sonia Santos
Ricardo Franco
I needed to change my car and WebLogo – Credit Intermediation took care of everything quickly. They compared several financing options and helped me choose the most advantageous one. The service was impeccable and very transparent.
I needed to change my car and WebLogo – Credit Intermediation took care of everything quickly. They compared several financing options and helped me choose the most advantageous one. The service was impeccable and very transparent.
With the support of WebLogo – Credit Intermediation, I was able to consolidate all my loans into one, with a lower monthly instalment. It was a huge relief! I recommend it to anyone looking for organisation and reliability.
With the support of WebLogo – Credit Intermediation, I was able to consolidate all my loans into one, with a lower monthly instalment. It was a huge relief! I recommend it to anyone looking for organisation and reliability.
Fernando Ferrer
Partenaires
We work with leading institutions
We work with leading institutions
* This page provides a credit simulator with indicative values, which do not constitute a formal offer of credit. Each credit application is assessed individually by our partners. Our team is available to answer any questions and help you through the credit application process.
Loan Simulation
Simulate your credit now
Simulate your credit now
Finanz BDN – Credit Intermediation is registered with the Bank of Spain, under registration number D356, as a tied credit intermediary, without exclusivity, having entered into agreements with the following entities: BANCO BPI, S.A., Novo Banco, S.A., Unión de Créditos Inmobiliários, S.A., Estabelecimento Financeiro de Crédito (Sociedad Unipersonal) - Sucursal em Portugal, Banco BIC Português, S.A., Banco Santander Totta S.A., BANCO CTT, S.A., Caixa Geral de Depósitos, S.A., Abanca Corporación Bancaria, S.A. - Sucursal em Portugal, SICAM - Caixa Central e Caixas de Crédito Agrícola e Bankinter, S.A.
Our team
Meet the team behind Finanz BDN
Meet the team behind Finanz BDN
Our team is made up of specialists dedicated to finding the best credit solutions for each customer, with transparency and personalised support.
Vantagens para o seu crédito
Vantagens para o seu crédito
We help simplify your financial decisions
We help simplify your financial decisions
Access to the best market conditions
Less bureaucracy, more simplicity
Support at every stage
Free and completely independent service
Frequently Asked Questions
Frequently Asked Questions
Everything explained in simple terms
Everything explained in simple terms
What documents are required to apply for a mortgage loan?
The required documentation may vary between banks, but generally, the essential documents for applying for a mortgage loan include:
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Identity Card or Citizen Card and Tax Identification Number;
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Most recent income tax return and settlement notice;
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Copies of the last three pay slips;
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Employer’s statement;
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Property location plan;
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Building or unit plan;
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Proof of other income.
Additional documents may be requested depending on the bank and the client’s specific situation – for example, if the client is a pensioner, employed, or a non-resident.
Do I need to have an account with the bank to apply for a mortgage loan?
It is not mandatory to have an account with the bank where you intend to take out a mortgage. However, most banks require the client to open an account as a condition for granting the loan.
Which insurances are mandatory when taking out a mortgage loan?
What insurance is required for a mortgage loan?
Banks usually require two main types of insurance for granting a mortgage loan:
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Life insurance – ensures the loan is paid in case of the borrower’s death or disability, protecting both the client and the financial institution.
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Home multi-risk insurance – covers property damage, such as fire, floods, or other incidents, safeguarding the mortgaged property.
In addition to these, the bank may recommend other complementary insurance policies, but the two above are essential for loan approval.
What is the Euribor?
The Euribor (Euro Interbank Offered Rate) is the reference rate used by European banks to lend money to each other. In mortgage loans, the Euribor serves as the basis for calculating the interest rate applied to the loan. For example, if your loan has a rate of “Euribor + spread,” the final rate will be the sum of the Euribor and the bank’s margin (spread).
What is the spread?
The spread is the profit margin that the bank applies on top of the reference rate (such as Euribor) to calculate the interest rate of a mortgage loan. In simple terms, it is the additional amount charged by the bank for the risk and service of granting the loan. The lower the spread, the lower the interest rate applied to your mortgage.
What is the APR (TAEG)?
The APR (Annual Percentage Rate) represents the total cost of the loan, including interest, fees, and other charges associated with the borrowing. Unlike the nominal rate (TAN), which only reflects interest on the principal, the APR allows for a transparent comparison of different loan offers, showing the actual amount you will pay the bank over time.
What is the TAN?
The TAN (Nominal Annual Rate) represents the interest rate applied to the principal of a mortgage loan, excluding other fees or additional costs. It indicates only the interest charged by the bank on the borrowed amount and does not reflect the total cost of the loan.
What is the MTIC?
The MTIC (Total Amount Payable by the Consumer) represents the total amount the client will pay to the bank over the term of the loan, including principal, interest, fees, and other charges. It reflects the overall cost of the credit, allowing the borrower to know exactly how much they will pay until the loan is fully repaid.
Quick and personalised response
Quick and personalised response
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Designed for you
Designed for you
