Housing Credit ⌵

New Credit

Make your dream home a reality with advantageous conditions.

Simulate now →

Young Housing Credit 100%

Make your dream home a reality with advantageous conditions.

Simulate now →

Renovation Credit

Make your dream home a reality with advantageous conditions.

Simulate now →

Construction Credit

Make your dream home a reality with advantageous conditions.

Simulate now →

Credit Transfer

Make your dream home a reality with advantageous conditions.

Simulate now →

Consolidated Credit

Personal Credit ⌵

New Credit

Make your dream home a reality with advantageous conditions.

Simulate now →

Consolidated Credit

Make your dream home a reality with advantageous conditions.

Simulate now →

Auto Credit

Make your dream home a reality with advantageous conditions.

Simulate now →

Seguros ⌵

Credit life insurance

Make your dream home a reality with advantageous conditions.

Simulate now →

Life insurance

Make your dream home a reality with advantageous conditions.

Multi-risk insurance

Make your dream home a reality with advantageous conditions.

Health insurance

Make your dream home a reality with advantageous conditions.

Personal accident insurance

Make your dream home a reality with advantageous conditions.

PoupAcademy

About us

Contact

Simulators

Consolidated Credit

PoupAcademy

About us

Contact

Credit intermediary no. 0006860

Talk to an agent

+351 211 453 334

Monday to Friday, from 9am to 7pm.

Call an agent

Monday to Friday, from 9am to 7pm.

Reference rates for Mortgage Credit Reference rates for Mortgage Credit EURIBOR 3M 2.226% EURIBOR 6M 2.536% EURIBOR 12M 2.804% Mixed rate from 2.100%

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let's get straight to the point

We want to save the people who want to save
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Welcome to savings that respect your time

Simulate credit

Partnerships

Services

What can we do for you?

housing credit

Reviews

What our clients say

5.0

Marco Emídio

08 November 2024

I would like to highlight the help and availability of Cátia Baleizão, who assisted us in changing our credit in a simple and quick way. Thank you.

Marcos FM

14 October 2024

João Lemos: Excellent professional financial advice. Credible, reliable and effective in helping me to secure the best mortgage rate and transfer from previous contract and bank. In depth knowledge of the law, regulations and procedures, as well as great connections with managers in many different banks. All services provided online. Whenever I had to go in person to the bank and land registry’s office, I had the option to choose dates and times that were suitable to me. At my arrival in both places, people were ready and waiting for me. I never had to make a single phone call or book anything myself. In a country foreign to me, which I find quite bureaucratic at times , simply superb service!

Janine Langeveld

27 September 2024

João Lemos, my financial advisor from "Poupança no Minuto," was a lifesaver during the process of buying my first apartment in Portugal. João’s charm, efficiency, and industry expertise truly made a world of difference! With five years of living in Portugal and some real estate experience in the Netherlands, I thought I knew the ropes. However, João’s guidance was exceptional. He ensured the process was fast and seamless, leaving no detail overlooked. João's extensive financial knowledge and strong connections within the banks helped me secure the best mortgage deal quickly, easing a typically stressful part of the process. His proactive approach and dedication made me feel like I was always his top priority, despite his many other projects. Not only did João provide top-notch financial advice, but he also offered tremendous support during the stressful moments. His deep understanding of the process, fluent English, and amazing social skills are invaluable. João, I couldn’t have done this without you! Thanks a million!!

Petra Sundell

08 January 2024

I've worked with Joao Lemos for a while now, and he has been outstanding in his work and support. He has been a cornerstone in the processes of helping me getting a mortgage, and honestly I couldn't have done it without him. Joao truly cares about his clients, and he'll go the extra mile to make sure you get support you need. I couldn't be happier to recommend Joao if you're looking for a trustworthy partner for your financial needs in Portugal.

cheryl menezes

18 November 2024

“We cannot recommend Joao highly enough! From the very beginning, he made the complex process of securing a house mortgage feel smooth and stress-free. His expertise, professionalism, and genuine care for our needs stood out at every step. Joao took the time to understand our unique situation, patiently explained every detail, and always kept us informed. His proactive approach and dedication ensured that we secured the best possible deal in a timely manner. What truly sets him apart is his friendly demeanor and commitment to making his clients feel valued and supported throughout the process. Thanks to him we are now proud homeowners in Portugal and we couldn’t have done it without him.

Diogo Santos

08 November 2024

Pedro Jorge: the professional advisor that accompanied my entire house purchasing process. The bank loan simulations, proposal, credit approval, and finally the house deed. From the start, he demonstrated great knowledge and financial skills, complemented by his vast connections in the area, which sped up the process by a lot. When I was contacted by him, I had already received proposals from 3 other credit intermediary firms, and yet he was still able to get credit pre-approved before all of them, despite the fact the other firms had weeks of head start over him. He showed me how he performed the simulations, and the analysis that he went through in order to choose the right bank for me. This transparency convinced me he was the right person to counsel me. I was also quite captivated by his humility, even though he was clearly in a league above the rest. I 100% recommend him.

Davi Dos Anjos

08 November 2024

The service is of great quality, with support throughout the process from start to finish. I received excellent guidance and a very satisfactory result with my financing. Thank you very much Poupança ao Minuto and consultant João Lemos, who was very attentive and professional.

André Couto

21 December 2023

I would like to thank you in advance for all the attention and time spent dealing with my situation. A truly reliable and valuable company that cares about its customers. I especially thank your colleague Cátia Baleizão, who has been with me from the very first minute, for all the professionalism, patience, and concern she demonstrated in helping. A big thank you and best wishes.

Step by step

How we save time for those who want to save money

Send Us Your Documentation

After sharing your documents, we will analyse and present you with the best credit and insurance proposals, completely adapted to your needs.

Relax, We Handle Everything

Once you choose the solution you like best, we take care of the entire process for you. From negotiations with banks and insurers to the conclusion of the contract.

Sign and Start Saving

Simple and fast, your credit or insurance will be ready in no time. You will only need to sign the final contract and start saving immediately!

💸

All this, at no cost

This entire service is free for you, as our commission is paid by partner banks and insurers. Total transparency, no hidden costs.

Differentials and values

Save more by saving here

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Agility

Save time

We find, quickly and efficiently, the best credit and insurance proposals, adapted to your needs. With us, you save time and secure the ideal conditions.

Agent always available
Clear and concise explanations
Experts who simplify your journey.

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Transparency

Save frustrations

Our transparency ensures you always find the best conditions, without surprises. Know everything you need in a clear and honest way.

Transparent credit conditions
Impartial and honest opinions
Total honesty in each proposal

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Complicity

Save headaches

We handle the entire research and negotiation process. While we deal with the details, you can dedicate your time to what really matters. Leave the stress with us!

Close and personalised relationship
Clear and empathetic communication
Exclusive follow-up

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Adaptability

Save obstacles

We offer credit and insurance solutions adapted to your life. Whatever your profile or need, we always have a proposal that fits perfectly.

Plans adjusted to your reality
Flexible and personalised proposals
Solutions that accompany each stage of life

Poupacademy

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Mortgage credit: Fixed, mixed, or variable interest rate?

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What changes with Salary Transparency?

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Hidden costs when buying a house: Expenses many forget.

Many people calculate the down payment and installment, but forget essential expenses before the deed. These h...

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FIFA World Cup: How to enjoy games without doubling expenses.

The World Cup usually brings more gatherings and expenses. Between dinners, snacks, and extra subscriptions, t...

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New service: Immediate issuance of property certificate online.

Having quick access to information about a property can make a difference before buying it. That is why the pe...

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IMT and Stamp Duty: Understand the two taxes associated with buying a house.

Understand everything about the two taxes to be paid when buying a house.

01 jun 2026 • 5 min

Mortgage Credit

Finanças a dois: organizar o orçamento para comprar casa

Comprar casa em casal é um objetivo comum, mas nem sempre existe uma estratégia financeira partilhada. Quando...

29 mai 2026 • 5 min

Personal Credit

Credit card: when it stops being useful and starts to weigh heavily on the family budget.

Credit card is one of the most practical financial tools in everyday life, but also one of the most dangerous....

28 mai 2026 • 2 min

Savings

Negociar salário: Como preparar e pedir um aumento à empresa

Pedir um aumento de salário exige mais do que coragem. Depende de preparação, de ler bem o contexto e da capac...

27 mai 2026 • 3 min

Personal Credit

Emergency fund or personal credit: which is the best option for unexpected events?

When an unexpected expense arises, such as a car breakdown, a medical bill, or an urgent home repair, it is no...

26 mai 2026 • 3 min

Contact

Talk to an agent now

Want to know more? Talk to one of our agents to clarify any doubts and discover the perfect solution for you.

+351 211 453 334

Call to national landline | Monday to Friday, 9am to 7pm.

New Credit

Young Housing Credit 100%

Renovation Credit

Construction Credit

Credit Transfer

New Credit

Consolidated Credit

Auto Credit

Credit life insurance

Life insurance

Multi-risk insurance

Health insurance

Personal accident insurance

We want to save the people who want to save |

What can we do for you?

Acquisition

Transfer

New Credit

Consolidated

Insurance

What our clients say

How we save time for those who want to save money

Send Us Your Documentation

Relax, We Handle Everything

Sign and Start Saving

All this, at no cost

Save more by saving here

Save time

Save frustrations

Save headaches

Save obstacles

We want to save the people who want to save
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