Tied credit intermediary · Bank of Portugal registration no. 8646

Lumina Crédito

Confidence to decide.
Clarity to move forward.

HomeHow we work

From the first contact to the deed.

At every stage, you have a specialist by your side. See the home loan journey: the review, the documents, the comparison of offers and our follow-up after the deed.

What you need to prepare
Hands reviewing financial documents next to a calculator and a small model house.
The process

How we work

The stages of a home loan, from the first conversation to our follow-up after the deed.

  1. Getting to know your situation

    In a meeting in person or by video call, we talk about your goal, income, commitments and own funds, and carry out a first feasibility review.

  2. Gathering the documents

    We send the list of documents and check the information received. The case only goes to the banks once the documents have been checked.

    See the list of documents

  3. Preparing the review

    We review your debt-to-income ratio and the Bank of Portugal Central Credit Register. We organise the case and compare bank simulations.

  4. Submitting to the banks

    We submit the request to the financial institutions and keep you informed of its progress.

  5. Negotiating and explaining

    We handle the banks' requests, answer additional questions and negotiate terms. We explain the offers transparently.

  6. Checking the approval

    We review the ESIS (FINE) and confirm the loan terms, including the insurance costs it sets out. For home loans, we follow the property valuation and the preparation of the deed.

  7. Supporting you at the deed

    We coordinate the final steps and follow the completion of your home loan.

  8. Staying close

    After the deed, we ask for your feedback and get back in touch to follow your situation.

Home loan journey. For our other services, the steps are adapted to the type of operation and the information needed.

Ready to move forward.

Talk to a specialist

The documents we need

The final list is sent once we know your case. We check the documents before submitting your case to the banks.

Credit review

  • 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

Credit transfer

In addition to the documents for the credit review:

  • ESIS (FINE) of your current loan
  • Purchase deed

Checking the case

The Lumina method includes a review of the Bank of Portugal Central Credit Register and of your debt-to-income ratio. We tell you what your request needs.

Prepare your next step.

Tell us what you need. We help you understand the next steps.

Talk to a specialistWhatsApp 923 224 394
Ready to move forward.

Frequently asked questions

Do I need to send documents through this form?

No. The form is for requesting a contact. Once we know your case, we tell you which documents are needed and how to send them.

How will I see the offers?

We present a comparison of the bank terms. For home loans, we explain the term, the rate, the spread, the instalment and the full monthly cost, including the insurance costs shown in the ESIS (FINE).

Who follows my request?

Eduardo Graça and his team work closely with each client. They organise and check the documents, negotiate with the banks and explain the terms.

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.