Experience that inspires confidence.
Closeness that makes a difference.
From gathering the documents to explaining the offers, you know who to talk to.
Talk to a specialist
Eduardo Graça
Founder & CEO of Lumina Crédito
A business vision built on experience, trust and commitment
With a degree in Business Management and more than 15 years of experience in banking and home loans, Eduardo Graça is the founder and CEO of Lumina Crédito.
With solid experience in the financial market and a strategic view of the sector, he decided to create a brand built on transparency, excellent service and trust in every relationship.
Lumina Crédito supports each client's financial decisions with transparency, attention to their situation and clarity in comparing the terms offered by the financial institutions it works with.
As founder and CEO, Eduardo Graça leads the development of the brand, the strategic relationships with financial partners and the commitment to provide financing solutions that fit each family's goals.
He believes that true business success is not measured only by results, but also by the trust earned and the value created in people's lives.
Confidence to decide. Clarity to move forward.
See the processAn offer is read beyond the instalment.
You receive a comparison of home loan offers, with the costs set out side by side.
- Financing
- Amount and length of the loan.
- Rates
- Fixed-rate period and the terms that follow, including Euribor and spread, where applicable.
- Full monthly cost
- Loan instalment and the cost of the life insurance and home insurance shown in the ESIS (FINE), by item and in total.
- Decision
- The Lumina Crédito team explains the terms so you can compare the offers before choosing.
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.
Prepare your next step.
Tell us what you need. We help you understand the next steps.