Housing Credit

Transfer

Housing credit transfer: Less interest, more holidays

Paying too much? Transfer your credit and start saving this month!

No stress, no bureaucracy and total transparency. Simulate now and swap your heavy instalment for a lighter one - without wasting time.

Simulate credit now

@lang('Casal sénior a passear com tranquilidade, sorridentes e relaxados depois de transferirem o crédito habitação e pouparem todos os meses.')

Why simulate your housing credit transfer with us?

— Save more by saving here

Save time!

We compare the best proposals from 30 banks and partners to save you money and, of course, time.

Save effort!

An exclusive manager handles the entire process for you, without complications.

Save money!

We negotiate the best rates, ensuring an instalment adjusted to your budget.

Save anxiety!

We guarantee total transparency, with no costs or surprises in the process.

Simulate

@lang('Família sorridente com uma criança ao colo, fotografada num momento feliz após transferir o crédito habitação e aliviar encargos mensais.')

Less weight on the wallet, more lightness in life

Forget high interest rates. Here, the focus is clear: Reduce your monthly instalment and simplify the entire process, so you can save and spend your money where it really matters.

Simulate credit now

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.

@lang('Casal divertido a tirar uma selfie com o bebé ao colo, transmitindo alegria e leveza após transferirem o crédito habitação.')

How we helped Mariana and Duarte save over €300 by transferring their housing credit

The couple faced financial difficulties, but with our help, they significantly reduced their monthly housing credit instalments with a simple transfer.

Simulate your transfer

The burden of a high instalment

The couple was paying an instalment of €1,439.28 per month, with a variable rate indexed to the 12-month Euribor.

An expensive credit

At a different bank, they obtained a proposal with a mixed rate – fixed for one year and then variable again.

The right choice to save

With the new conditions presented, the couple decided to transfer their housing credit to another bank and started paying a monthly instalment of €1,121.54.

Lower costs, better life

Per month, the couple saved €317.74, and per year, they achieved savings of €3,812.88.

💸

All this, at no cost

Frequently asked questions

Frequently asked questions about credit transfer

Yes, you can transfer your home loan at any time during the contract. Generally, there are no clauses preventing the borrower from transferring the loan to another bank. However, you must notify your current bank with a minimum of 10 days' notice. After that, the bank has 10 days to provide the loan data and documents to the new bank where the transfer will be made.

To transfer your home loan, you should contact other banks to obtain proposals that suit your needs. After receiving these proposals, compare them with the current conditions of your loan. At Poupança no Minuto, we help mediate the process and identify the most advantageous proposal for you.

The main advantages of transferring a home loan include: Reduction of the spread, resulting in a decrease in the Nominal Annual Rate (TAN); Extension of the contract term; Change of interest rate type (from fixed to variable, or vice versa); Reduction of required insurance premiums; With a new appraisal, the market value of your home may increase.

The APB protocol is an agreement between most banks that allows a mortgage to be transferred from one bank to another. To do this, you must request the Authorization Term at the bank where the mortgage is registered. This term, duly signed and stamped, must be delivered to the bank to which you wish to transfer the loan.

Costs may vary from bank to bank, but the most common include: Early repayment commission (up to 0.5% of the repaid capital if the interest rate is variable, or up to 2% if fixed); New deed costs; Application opening fees; New property appraisal costs.

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.

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Housing credit transfer: Less interest, more holidays

Paying too much? Transfer your credit and start saving this month!

Save time!

Save effort!

Save money!

Save anxiety!

Less weight on the wallet, more lightness in life

What our clients say

How we helped Mariana and Duarte save over €300 by transferring their housing credit

The burden of a high instalment

An expensive credit

The right choice to save

Lower costs, better life

All this, at no cost

It's our time to share knowledge about a new housing credit

Frequently asked questions about credit transfer

Can I transfer my home loan at any time?

How do I transfer my home loan to another bank?

What are the advantages of transferring a home loan?

What is the APB protocol?

What costs can a home loan transfer involve?