Services

Instant Mortgage Solutions can assist in offering euro mortgages to non-residents (and residents) seeking to purchase their dream property in Portugal. IMS has alliances with several banks, all offering different products and we make it our duty to find the best deal, exacting to the clients requirements. We follow the process from A to Z all the way through until the official mortgage offer is approved by the bank and right up until the deeds signing date.

Clients can either apply for a mortgage with a property already selected or not yet selected. With the latter, clients can apply for a specific amount of mortgage and property search with this already approved in their “back pocket” and so have full confidence in what they can afford. The mortgage offer will remain extant for a period of 6 months. If the selection of a property goes beyond this period, we will merely require another few months of bank statements to reinstate the mortgage offer.

We offer the following services with extremely competitive interest rates for all:
 Euro mortgage finance for both non-residents and residents with up to 40 year terms.Totally independent advice on purchasing a property.All types of mortgages. Repayment, interest only, fixed rate mortgages, remortgages, equity release, residual mortgages, transfer of mortgages, commercial mortgages (see examples under Mortgages Available tab).Loans.Up to 100% mortgages possible dependant on valuation.Absolutely no charge for our services.Foreign currency exchange with excellent rates through our partners. (IMS has negotiated special advantageous consideration for our clients).Full A to Z service via email correspondence. Recommendation of our lawyer Doctora Ofelia Campos who speaks fluent English.

Although it is always beneficial to discuss your property purchase face to face to begin with, everything can be done through email correspondence including Power of Attorney through a trusted lawyer we have working with us and the acquisition of the necessary tax documentation i.e. Fiscal Numbers (Numero de Contribuintes).

Please feel free to request a mortgage quotation from IMS by contacting us mentioning the following criteria:
 Amount of mortgage required.Term required. (If max just signify this).Type of mortgage required i.e. Interest only for 3 years then repayment or standard repayment throughout. Price of property (if found at this stage).Single or dual applicant (husband and wife or partnership for instance).Age(s) of applicant(s)