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Credit intermediation
Credit intermediation
Credit intermediation
Credit intermediation
Dreaming is still worth it!
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Viver nas Ondas goes beyond the mediation of buying and selling real estate, with no obligation to buy or sell a house with us.
With VnO - Credit Intermediation, you have the opportunity to achieve the home of your dreams, whether or not through our real estate agency. We seek the most suitable and advantageous financial solution, and the best part: we offer our credit intermediation service independently, without the obligation to use our real estate mediation.
If you already own a property, you can simply improve the terms of your current loan by transferring your credit, saving money, and reducing your monthly payments.
DISCOVER A SEA OF
FINANCIAL OPPORTUNITIES
DISCOVER A SEA OF
FINANCIAL OPPORTUNITIES
IN EASY INSTALLMENTS!
We meticulously analyze the entire financial market to present the best available offers.
We meticulously analyze the entire financial market to present the best available offers.
A Viver nas Ondas - Real Estate Mediation Ltd., with NIF 507845951, located at Rua das Sobreiras, No. 39, Edifício Cálem, Foz 4150-713 Porto, carries out credit intermediation activities in the linked category, registered with the Bank of Portugal under registration number 3151. This registration can be verified on the Bank of Portugal's website, using the contacts and instructions provided on the respective website of the supervisory authority (www.bportugal.pt/intermediariocreditofar/viver-nas-ondas-mediacao-imobiliaria-lda).
A Viver nas Ondas - Real Estate Mediation Ltd., with NIF 507845951, located at Rua das Sobreiras, No. 39, Edifício Cálem, Foz 4150-713 Porto, carries out credit intermediation activities in the linked category, registered with the Bank of Portugal under registration number 3151. This registration can be verified on the Bank of Portugal's website, using the contacts and instructions provided on the respective website of the supervisory authority (www.bportugal.pt/intermediariocreditofar/viver-nas-ondas-mediacao-imobiliaria-lda).
WE ARE CREDIT INTERMEDIARIES AUTHORIZED BY THE BANK OF PORTUGAL.
WE ARE CREDIT INTERMEDIARIES AUTHORIZED BY THE BANK OF PORTUGAL.
WE HANDLE EVERYTHING!
WE HANDLE EVERYTHING!
With the help of Viver nas Ondas, schedule the property visit in less than 24 hours.
With the help of Viver nas Ondas, schedule the property visit in less than 24 hours.
A qualified expert visits the property, calculates the energy rating, and identifies improvement measures.
A qualified expert visits the property, calculates the energy rating, and identifies improvement measures.
Within 72 business hours, the certificate along with the improvement recommendations is sent.
Within 72 business hours, the certificate along with the improvement recommendations is sent.
A great team is your best guarantee!
A great team is your best guarantee!
OUR TEAM
OUR TEAM
OUR TEAM
OUR TEAM
Rest assured that, during this process, we will do everything to achieve our mission:
Rest assured that, during this process, we will do everything to achieve our mission:
WHAT ARE THE STAGES OF THE PROCESS?
WHAT ARE THE STAGES OF THE PROCESS?
Discover the step-by-step process to feel right at home!
Discover the step-by-step process to feel right at home!
We collect and analyze the documentation, requesting simulations tailored to your case.
We clarify your doubts and handle all the necessary bureaucracy to present and defend your mortgage application to various banking institutions.
Specialized support from the simulation request to the day of the deed.
HOW CAN WE HELP?
ACQUISITION
Mortgage to buy your new home.
Mortgage for those who need to remodel the kitchen, the roof, or expand the house.
WORKS
CONSTRUCTION
Financing for those who can't find their dream home already built and need to construct it.
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Credit to cover the deposit for buying your home, the solution that allows you to obtain the remaining amount.
DEPOSIT
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We renegotiate your mortgage and find the best reasons to make a change.
CREDIT TRANSFER
CREDIT TRANSFER
Real testimonials, real savings!
Real testimonials, real savings!
WHO HAS ALREADY TRUSTED VNO
"Hello Filipa, I just wanted to say that I am truly impressed with your speed, efficiency, and organization—the table you sent me summarizing the two offers. Thank you!"
"Hello Filipa, I just wanted to say that I am truly impressed with your speed, efficiency, and organization—the table you sent me summarizing the two offers. Thank you!"
Fadwa Aboulhorma
❝
❝
“Hi Filipe, we've done the deed and everything is fine. I just have to thank you once again for making this dream come true. You now have a home in Famalicão and in Brasilia when you go to Brazil, which will always be at your disposal. Thank you very much.”
“Hi Filipe, we've done the deed and everything is fine. I just have to thank you once again for making this dream come true. You now have a home in Famalicão and in Brasilia when you go to Brazil, which will always be at your disposal. Thank you very much.”
Dilton Souza
❝
“I contacted VnO through a referral from a friend and was surprised at how quickly the process went, even though it was conducted entirely remotely. Paulo turned a procedure that I initially thought would be bureaucratic and time-consuming into something uncomplicated.”
“I contacted VnO through a referral from a friend and was surprised at how quickly the process went, even though it was conducted entirely remotely. Paulo turned a procedure that I initially thought would be bureaucratic and time-consuming into something uncomplicated.”
Miguel Silva
❝
“Hi Filipe, we've done the deed and everything is fine. I just have to thank you once again for making this dream come true. You now have a home in Famalicão and in Brasilia when you go to Brazil, which will always be at your disposal. Thank you very much.”
“Hi Filipe, we've done the deed and everything is fine. I just have to thank you once again for making this dream come true. You now have a home in Famalicão and in Brasilia when you go to Brazil, which will always be at your disposal. Thank you very much.”
Dilton Souza
❝
“I contacted VnO through a referral from a friend and was surprised at how quickly the process went, even though it was conducted entirely remotely. Paulo turned a procedure that I initially thought would be bureaucratic and time-consuming into something uncomplicated.”
“I contacted VnO through a referral from a friend and was surprised at how quickly the process went, even though it was conducted entirely remotely. Paulo turned a procedure that I initially thought would be bureaucratic and time-consuming into something uncomplicated.”
Miguel Silva
"Hello Filipa, I just wanted to say that I am truly impressed with your speed, efficiency, and organization—the table you sent me summarizing the two offers. Thank you!"
"Hello Filipa, I just wanted to say that I am truly impressed with your speed, efficiency, and organization—the table you sent me summarizing the two offers. Thank you!"
Fadwa Aboulhorma
❝
RECEIVE THE BEST FINANCIAL SOLUTIONS ON THE MARKET WITHIN 48 HOURS
Easy, simple, and at no cost
* Tell us how much your monthly mortgage payment is
Still having doubts?
Still having doubts?
What are Credit Intermediaries?
Credit intermediaries are professionals registered with the Bank of Portugal who act as mediators between clients and credit institutions.
Responsible for managing the entire credit granting process, intermediaries DO NOT grant financing directly, but rather facilitate and speed up the process, given their in-depth knowledge of the steps involved.
What are the advantages of using our Credit Intermediation service?
By opting for our service, you will enjoy several distinct advantages:
- Access to the best spreads on the market - from 0.5%
- Flexible options - We help you find the best conditions on the market, adapted to your needs and your possibilities.
- Personalized service - specialized support from the time you request a simulation to the day of the deed, always offering personalized solutions, without worrying about bureaucracy.
- More than 10 protocols - We negotiate with the main banks operating in the national market.
- Savings - Save time, worry and money without having to go to the banks.
- No cost and no commitment for you! The only commitment is our dedication.
- Response within 48 working hours - We guarantee efficiency and speed throughout the process.
Is credit intermediation safe?
Yes, we work with regulated financial institutions and respect the security and privacy standards of our clients' data.
In addition, VnO acts as a Credit Intermediary for housing loans, authorized by the Bank of Portugal to provide credit intermediation services under number 3151.
Do I have to pay for the Credit Intermediation service?
No, the intermediation service is free of charge for the client. The credit intermediary is commissioned by the bank where your loan is taken out.
How do I know if I'm eligible for a mortgage?
Our experts will analyze your financial profile to determine your eligibility and find the best options.
How do I know if I'm really getting the best interest rates on the loan I'm looking for?
Our experts have extensive knowledge of the market and will compare the rates of various financial institutions to ensure that you get the best possible conditions.
What happens if my credit application is denied?
Our experts can analyze the refusal of your credit and help you understand the reasons. In most cases, we can help you look for other options that suit your profile or prepare you for a future approval.
