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HOME LOAN
Access the best market offers for your home loan. We support you from the very first step until you no longer need us.
LOAN TRANSFER
We can improve the terms of your current home loan — because the cost of credit goes beyond just the spread!
BUY LAND AND BUILD
Is this your dream?
We find concrete solutions and proposals for every scenario so you can build the home you’ve always wanted.
MORTGAGE LOAN
Want to use a property or other asset as collateral? We find the most competitive interest rates. We can also try to reduce your current monthly payment and negotiate the loan term.
Land Purchase and Construction Loan
Here you can dream. With a land and construction loan, you can finance everything from land acquisition to the final phase of construction, with terms tailored to your project. Use our land loan calculator to easily find the ideal solution for you.
Youth Home Loan
The youth home loan is designed for people up to 35 years old who want to buy their first home on favourable terms. This solution offers up to 100% financing with access to specific exemptions that make homeownership more accessible.
A simple, secure path to your first home.
A simple and transparent process
HOME LOAN
A simple and transparent process
We analyse all our partners’ offers
Frequently Asked Questions
1. Is there a lot of bureaucracy involved in this process?
Reorganiza’s home loan intermediation takes care of all the red tape for you. Just send us a set of documents and we handle everything with our banking partners.
2. Why is this service free of charge?
Reorganiza receives a commission from the bank where you take out your home loan. Our commitment is to ensure you get the best overall terms (spread and associated insurance), regardless of which bank. We always present you with several options and the final decision is always yours.
Rest assured that your total cost will be exactly the same whether you go through us or directly to the bank — our commission has no impact on what you pay.
3. Does Reorganiza contact all banks?
After understanding your needs, goals and financial profile, we contact the banks we consider most competitive for your specific case. We negotiate the best home loan proposals with these banks and present you with the most competitive options, explaining the pros and cons of each so you can make the best financial decision.
4. How does the process work?
The home loan process is very straightforward. Each client is assigned a dedicated account manager who guides them from start to finish — you only need to explain your situation once and your documents are seen by just one person at Reorganiza.
We begin with a diagnostic conversation. We collect the documentation. We present your case to the partner banks that best match your needs and profile. We negotiate the best terms. After your decision, we support you all the way to the deed — and often beyond. We want you to be able to count on our client managers for life!
5. Can I work with other intermediaries at the same time?
You can always work with other intermediaries. However, there is little advantage in doing so, as each bank can only process one credit application at a time. The real question is which intermediary offers the best guarantees of quality, price and speed. Give us a try — you’ll see that Reorganiza is the right choice!
6. What are the advantages of getting a home loan through Reorganiza?
Reorganiza’s home loan intermediation process saves you time and money. It is free of charge and carried out by an entity registered with the Bank of Portugal. You also always have a dedicated account manager assigned to your case, ready to answer all your questions and support you every step of the way.
7. I've heard about scams. How can I know Reorganiza is trustworthy?
Reorganiza is one of the longest-established credit intermediaries in Portugal. Its registration with the Bank of Portugal can be verified here. One important tip: never pay a commission to a Tied Credit Intermediary — the service is always free!
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