✦ MORTGAGES✦ PERSONAL LOANS✦ CAR LOANS✦ DEBT CONSOLIDATION✦ ASF-CERTIFIED Nº 325588594✦ AMI LICENCE 25568✦ 15 YEARS OF EXPERIENCE✦ NO FEES FOR THE CLIENT✦ FREE ANALYSIS IN 24H✦ MORTGAGES✦ PERSONAL LOANS✦ CAR LOANS✦ DEBT CONSOLIDATION✦ ASF-CERTIFIED Nº 325588594✦ AMI LICENCE 25568✦ 15 YEARS OF EXPERIENCE✦ NO FEES FOR THE CLIENT✦ FREE ANALYSIS IN 24H
🏦 Certified Credit Intermediation  ·  Free analysis of your case in 24h  ·  No intermediation fees
Logotipo Cláudio Gomes - Consultor Financeiro
Cláudio GomesCrédito • Seguros • Imobiliário • Consultoria
🛡️ Credit Intermediation · ASF Nº 325588594

Credit Solutions for
Every Stage of Your Life

Specialist in mortgages, personal loans, car loans and debt consolidation in Portugal. I negotiate on your behalf with more than 12 banking institutions to secure the most competitive terms on the market.

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0+
Partner Banks
0+
Clients Supported
0 Years
of Experience
0€
In Fees for the Client
What I Do For You

Credit Services

🏠

Mortgages

The solution for buying or remortgaging your home.

Direct access to the best spreads on the national market, through established protocols with Portugal's leading banking groups. I support you through the whole process: from feasibility analysis to signing at the notary, with no intermediation fees.

0.75%
Spread from
90%
Financing up to
40 years
Term up to
Negotiation of fixed, variable or mixed-rate spreads
Mortgage switching with immediate savings
Free feasibility analysis in under 24h
Learn more →
💼

Personal Loans

Fast liquidity to make your plans happen.

Whether it's home renovation, education, a wedding, travel or any other personal project — I find the personal loan with the lowest APR on the market, tailored to your debt-to-income ratio (DTI) and financial profile.

€75,000
Amounts up to
48h
Approval in
10 years
Term up to
Competitive, transparent APR
Fast approval (48h after documents are submitted)
No need to justify the purpose of the loan
Learn more →
🚗

Car Loans

Buy your new or used car on the best terms.

Financing dedicated to the purchase of new, nearly-new or used vehicles — including leasing and long-term rental solutions for individuals and businesses. I negotiate directly with banks and specialist finance companies to secure the best rate on the market.

5.9%
Rate from
100%
Financing up to
10 years
Term up to
Financing for new, nearly-new and used vehicles
Leasing and long-term rental for individuals and businesses
Financing up to 100% of the vehicle value
Learn more →
🔗

Debt Consolidation

Combine all your instalments into one and breathe easier.

Debt consolidation lets you combine several loans into a single monthly payment, freeing up cash flow every month. I review your Central Credit Register position and present the solution that reduces the monthly pressure without pushing the total cost unnecessarily high.

up to 60%
Monthly savings
1 single
Payments
free
Analysis
Credit cards, personal loans and other debts combined
One single, reduced monthly payment
Immediate cash-flow relief
Learn more →
Quick Simulator

Calculate your estimated monthly payment

Indicative simulation. Real, no-obligation offer within 24h.

€250,000
30 years
Estimated Monthly Payment
€1,081/month
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This simulation does not constitute a binding offer.

Process

How the process works

5 min

First Contact

Reach me via WhatsApp or the form. Briefly describe your situation.

24h

Free Analysis

I analyse your financial profile and identify the best solutions available on the market.

48h

Comparative Offer

I present real offers from several banks side by side, with all terms made clear.

until closing

Full Support

I handle the whole process through to final approval. No red tape, no fees.

Documentation

What you'll typically need

Portuguese Citizen Card (Cartão de Cidadão) or passport
IRS tax return and assessment notice (last 2 years)
Payslips (last 3 months)
Central Credit Register (Mapa de Responsabilidades) from Banco de Portugal
Recent bank statements
Property documents (for mortgages)
Why Choose Me

The advantages of my service

Access to exclusive terms not available at the branch
Negotiation on your behalf with more than 12 banks
€0 intermediation fees for the client
Independent analysis — I don't work on a bank commission basis
Support from start to finish of the process
Response in under 24 hours
Free Analysis

Ready to get started?

Free analysis within 24 hours. No obligation. No intermediation fees.