Credit intermediary registered with the Bank of Portugal · Registration no. 8646
The right credit for you.The confidence to decide and move forward.
We compare offers, negotiate terms and support you at every step of your home loan. Because every family deserves a solution made for them.
Institutions we work with
- Caixa Geral de Depósitos, S.A.
- Banco Santander Totta, S.A.
- Banco BPI, S.A.
- Novo Banco, S.A.
- BBVA, Instituição Financeira de Crédito, S.A.
- Bankinter, S.A. (Sucursal em Portugal)
- Unión de Créditos Inmobiliarios, S.A.
- Abanca Portugal, S.A.
Lenders with which we have a tied agent agreement. No exclusivity.
Every request deserves its own review.
Credit for different decisions and referral of insurance requests to partners. See how we support you.
Lumina Crédito is the brand of EG CREDIT SOLUTIONS - Intermediários de Crédito Unipessoal, Lda, a tied credit intermediary registered with the Bank of Portugal under no. 8646, which provides the credit intermediation services. Lumina Crédito does not grant credit: the decision and the granting of credit rest with the credit institutions.
Home Loans
Compare offers to buy a home, with clarity at every decision.
Credit Transfer
Review the instalment, the spread and the full cost of your home loan.
Debt Consolidation
Review your commitments and see whether consolidation makes sense.
Personal and Business Loans
Frame your personal or business financing request.
Insurance
Request a contact about life and non-life insurance.
Prepare your next step.
Talk to a specialistIndicative simulation
Simulate your home loan
Enter the purchase price and the financing required to calculate the instalment and the taxes on the purchase.
Monthly instalment
€1,238.95
Capital and interest, with a constant instalment.
Rate Euribor + spread3.675%
Taxes on the purchase
- IMT (property transfer tax)
- €10,542.04
- Stamp Duty (0.8%)
- €2,400.00
- Total taxes
- €12,942.04
The values are pre-filled in the message. They will only be sent when you submit the form.
Indicative simulation. Does not include bank charges or Stamp Duty on the loan. IMT is charged on the higher of the price and the taxable property value. Here, taxes are calculated on the purchase price, for mainland Portugal. The Autonomous Regions have their own brackets.
Buyers aged 35 or under purchasing their first own permanent home may be exempt from IMT and Stamp Duty. The specialist will confirm whether this applies to your case.
From the documents to the decision, talk to Eduardo.
I am Eduardo Graça, founder of Lumina Crédito. I follow the collection of documents, the negotiation with the banks and the explanation of the offers. For home loans, my support includes the preparation of the deed.
Meet who supports youHow we work
Three moments that tell you what will happen to your request.
Understanding your request
Eduardo Graça gets to know your goal, income and commitments and tells you which documents are needed.
Comparing the offers
You receive a comparison of the amount, term, rates, instalment and full monthly cost of the home loan, including the insurance costs set out in the ESIS (FINE).
Supporting your decision
We explain the terms and follow the steps of the operation you choose. For home loans, all the way to the deed.
Ready to move forward.
Talk to a specialistFrequently asked questions
Which documents do I need to prepare?
For a home loan, we need: Identity document (Portuguese Citizen Card, residence permit or passport); Last 3 payslips; Latest Portuguese tax return (IRS) and tax assessment; Last 3 bank statements; Bank of Portugal Central Credit Register statement (Mapa de Responsabilidades de Crédito); Employment confirmation letter or employment contract. For a credit transfer, we also need the ESIS (FINE) of your current loan and the purchase deed. After the first contact, we send the final list for your case.
How long does the process take?
It depends on the documents needed, the review and the banks' response. We make the first contact within 24 to 48 hours of your request, on working days. This period refers to the first contact, not to the credit decision, which rests with the credit institutions. We stay in touch throughout the process.
Does transferring my loan always mean changing banks?
A transfer involves another bank, but the review can also consider a renegotiation with your current bank. We compare the offers and explain the terms to support your decision.
What does the review and the transfer cost?
By law, credit intermediation services are free of charge for the consumer, and this applies only to the intermediation, not to the costs of the credit agreement. The review and the advice on credit also cost you nothing. Lumina Crédito is paid by the financial institutions with which it has a tied agent agreement, as provided by law. The costs of the financing itself and of any transfer are set out before you decide.
Am I guaranteed to pay less?
No. The outcome depends on the review of your case and on the terms offered by the financial institutions. The simulator is only indicative and does not include insurance, fees, taxes or other costs.
Can I buy a home without a deposit?
It depends on your case. As a rule, banks lend up to 90% of the property value. Terms vary from bank to bank and with your profile. In the first review, we see what is possible in your case.
How much can I borrow for a home loan?
It depends on your income, your current commitments and your own funds, and the final decision rests with the bank. In the first review, we look at your debt-to-income ratio and the Bank of Portugal Central Credit Register to see what is feasible.
How can I lower my monthly instalment?
It depends on your loan. We review its current terms, such as the rate and the spread, and the costs set out in the ESIS (FINE), including the insurance costs. We compare loan offers from other banks and a renegotiation with your bank. The website simulator gives an indication, but does not guarantee that you will pay less.
Do I pay anything to use Lumina Crédito?
By law, credit intermediation services are free of charge for the consumer, and this applies only to the intermediation, not to the costs of the credit agreement. The review and the advice on credit also cost you nothing. Lumina Crédito is paid by the financial institutions with which it has a tied agent agreement, as provided by law. The costs of the financing itself and of any transfer are set out before you decide.
Can I transfer my loan to another bank?
Yes. We compare offers from other banks and a renegotiation with your current bank, and explain the terms to support your decision. To start, we need the ESIS (FINE) of your current loan and the purchase deed.
Prepare your next step.
Tell us what you need. We help you understand the next steps.