Mortgage Solutions Made Simple!
Discover the most competitive mortgage options with the support of Maxfinance Dream.
The Essentials of Mortgage Lending
A mortgage is a long-term loan provided by a financial institution to help you purchase, build or renovate a property.
The amount you can borrow, the interest rate and the loan term will depend on your financial profile, affordability assessment and the type of property being financed.
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Owner-Occupied Property Purchase – financing for the purchase of your main residence.
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Second Home Purchase – financing for a holiday home or investment property.
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Home Improvement or Self-Build Mortgage – funding for property construction, renovation or refurbishment projects.
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Mortgage Transfer – transferring your existing mortgage to another lender to benefit from more favourable terms and conditions.
How the Process Works
Five simple steps, from application to completion:
- Initial Assessment
We estimate your monthly repayments and the overall cost of the mortgage. - Financial Review
The lender assesses your income, financial profile and supporting documentation. - Property Valuation
An independent surveyor carries out a valuation of the property. - Mortgage Offer
You receive the final approved terms and conditions of the loan. - Completion of the Deed
The mortgage agreement is formally signed, and the property purchase is completed.
Required Documents
Personal documents
Citizen Card / Passport
Tax Identification Number (NIF)
Proof of Address
Financial Documents
Latest Tax Return and Tax Assessment Notice
Last Three Payslips
Employment Confirmation Letter
Property Documents
Updated Land Registry Tax Record (Caderneta Predial)
Permanent Land Registry Certificate
Habitation Licence (Licence for Use)
Key Factors Considered Before Mortgage Approval
To ensure that the mortgage is affordable and sustainable, lenders will typically assess:
- Monthly income and employment stability
- Debt-to-income ratio — ideally no more than 35–40% of net monthly income
- Credit history — including any previous defaults or missed payments
- Property value and location
- Proof of deposit (typically a minimum of 10%)
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ContactFAQs
Quanto tempo demora o processo?
Geralmente entre 3 a 6 semanas, dependendo da rapidez na entrega de documentos e da avaliação.
É preciso fiador?
Nem sempre. Depende do perfil financeiro e do tipo de imóvel.
Posso transferir o meu crédito para outro banco?
Sim. Muitas vezes permite reduzir a prestação e o custo total do empréstimo (MTIC).
É possível financiar 100 % do imóvel?
Raramente. Normalmente financia-se até 90 % do valor (ou da avaliação) para habitação própria.
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