Transfira o seu crédito habitação e poupe dinheiro todos os meses


Spreads a partir de 0%

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A Unipeople atua como intermediário de crédito vinculado autorizado pelo Banco de Portugal nº 0006413.
Nenhum conteúdo deste site dispensa a leitura da informação pré-contratual e contratual legalmente exigida.

Analise o seu caso connosco para saber quanto é que pode poupar

  • Processo gratuito, rápido e simples
  • Sem custos associados, os Bancos suportam os custos das transferência
  • Negociamos com os Bancos por si

Get the best rate for your mortgage.

We offer spreads starting from 0%.

Analyse your situation with us to find out how much you can save.

  • Free, fast, and simple process.
  • No associated costs, banks cover the transfer fees.
  • We negotiate with banks on your behalf.
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UniPeople acts as a tied credit intermediary authorized by the Bank of Portugal under number 0006413. No content on this website replaces the reading of legally required pre-contractual and contractual information.

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Analyse your case with us for free; we can achieve spreads as low as 0%.

Specialists in Mortgage Loans

We specialize in mortgage loans and have access to the best market conditions. We work with the leading national banks and negotiate more advantageous solutions for our clients.

Gain access to a team with over 10 years of experience, featuring impartial consultants who prioritise customer satisfaction.


Caixa Geral Depósitos

Caixa Geral de Depósitos is a Portuguese state-owned bank founded in 1876. As largest bank in Portugal, it plays a crucial role in the country’s economy, offering a wide range of banking and financial services, from deposits to loans and investments.



UCI is a financial institution specializing in real estate credit, with operations in various countries, including Portugal. Focused on providing financing solutions for property acquisition, UCI is known for offering products and conditions tailored to the needs of its clients.



Novo Banco is a Portuguese banking institution formed in 2014, following the resolution of Banco Espírito Santo. As an independent entity, Novo Banco maintains a significant presence in the Portuguese financial sector, offering a variety of banking services, from current accounts to investment solutions and asset management.



Santander is a global financial institution with origins in Spain. With significant presence in Portugal, Banco Santander stands out for its innovative approach and diverse offering of banking services, including financing solutions, wealth management, and investment banking services.

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CreditoAgricola 1

It's simple, fast, and effective.

Simulate with the best prices on the market.

We obtain proposals without any commitment on your part.

Compare among two of the three best market proposals.

Save money and save time, we will guide you through the process.

Transferring your mortgage still makes sense in 2024?



Spread: 2,65%

Monthly: 450,04€


Spread: 0%

Monthly: 353,84€


Monthly: 96.20€

Annual: 1.154,40€

Discover the advantages
of Mortgage Loans


We collaborate with various financial institutions to provide you with the freedom to choose and access the best credit for your project.


The response regarding credit approval is quick, because we know that time is money!


The simulation and the analysis process of your profile are free and without obligation.


We handle the entire process of all insurance related to credit and/or housing.


In addition to support throughout the process, it also includes continuous assistance during the active contract.


Get the best mortgage rate with spread proposals starting from 0%.


You can keep all your activity in your current bank; there is no need to switch institutions.


The security of your data is of utmost importance. Secure and confidential, from the beginning to the end of the contract.

Já poupámos
12 325 758€
aos portugueses
We have already saved Portuguese families €12,325,758.

Satisfaction Guaranteed

Our clients are happy. Join them!


(5* on 75 comments)


Em seguimento ao pedido que solicitei, tenho a dizer que fui muito bem atendido e com grande cordialidade por parte dos vossos colaboradores Sr. Carlos Ribeiro e Sra. Vanessa Caria.

Armindo Nunes, 2023


Estava à procura de fazer um seguro de vida e ao contactar um dos vossos gestores, este sugeriu analisar também outros seguros que eu tinha. (…)


Filipa Guedes, 2023


Desde o início foram sempre super prestáveis e dispostos a tirar todas as minhas dúvidas, quero desde já parabenizar o Sr. Carlos, que foi quem me acompanhou por todo o processo e foi incansável! Recomendo!

Joana Gomes, 2023


Olá boa tarde venho deixar aqui o meu depoimento pedi ajuda para um empréstimo foi super rápido as duas colaboradoras foram muito simpáticas e fizeram de tudo para conseguir o crédito . (…)

Iovanca Panici, 2023

Because your family deserves the best conditions.

Still have doubts?

Does transferring a mortgage have costs?

No! We have ongoing campaigns in which the transfer costs are covered by the banks we work with.

What is the best bank to transfer my mortgage loans to?

It depends! It is essential to always be aware of the market and ongoing campaigns.

This is one of the many advantages of using our services; we handle the comparison and market analysis for you!

Does transferring a mortgage still make sense in 2024?

In most cases, it is worthwhile. However, to determine if it is beneficial or not, we analyse each case individually and provide reliable advice to our clients.

What are the required documents to transfer the home loan?

  1. Copy of the Deed
  2. Citizen Card
  3. Property Tax Document – You can find it on your personal area on the Finance Portal.
  4. Proof of Fiscal Address
  5. Copy of an Utility Bill for electricity, water, gas, or telecommunications
  6. Bank Statement for the last 3 months
  7. Last 3 Payslips
  8. Latest IRS Model 3 – You can find it on your personal area on the Finance Portal.
  9. Responsibilities Map – Find this document by clicking on “Central de Responsabilidades de Crédito” on the Bank of Portugal website.

Additionally, you will need the mortgage discharge document when transferring the mortgage. This document proves the termination or cancellation of the contract with the bank.

Check useful information for buying a house in the frequently asked questions and answers.

What is mortgage credit?

Mortgage credit involves financing provided by a banking institution for the acquisition or construction of a home.

It is important to note that the approval of mortgage credit is subject to various criteria, including the client’s banking history and their ability to repay the loan.

Does UniPeople provide mortgage credit?

UniPeople is a credit intermediary that assists and guides the client through the loan approval process, with no associated costs. We negotiate with banks to secure the best conditions for our clients.

The loan is granted by banking institutions.

What are the advantages of working with UniPeople in the mortgage credit process?

We have negotiating power with banks and ensure the best market conditions for our clients.

We handle the paperwork and simplify banking language.

Our service is COMPLETELY FREE for the client!

How many phases are involved in a mortgage credit application until its approval?

  1. Submission of Documentation – The client sends us the necessary documentation for the process analysis.
  2. Process Analysis – We conduct an analysis of the process, checking its feasibility and determining the most suitable solution.
  3. Pre-Approval – After submitting the process to the banks, we review all proposals with the client. The client selects the best option.
  4. Property Appraisal – An evaluation of the property is conducted to determine its market value.
  5. Formal Approval – Preparation of all documentation for the day of the deed.
  6. Deed – Formalization of the loan.

Is it possible to obtain financing for 100% of the appraisal value or the acquisition cost of the property for personal and permanent housing?

If the property is owned by the bank, it is indeed possible to obtain 100% financing.

If not, in most cases, the bank typically lends up to 90% of the property’s acquisition cost or its appraised value (whichever is lower).

The bank requires life insurance and comprehensive insurance for loan approval. Do I have to purchase the insurance from the bank?

Life insurance is usually required by banks, as it covers the outstanding amount in the event of the death or disability of the holder. And comprehensive insurance is mandatory by law, including coverage for fire, floods, theft, landslides and storms.

Both can be arranged outside the bank!

I am unemployed. Can I apply for a loan?

No, being unemployed generally restricts access to any type of credit unless you have a co-applicant with declared income.

My loan was approved, but a proposal with better conditions came up from another bank. Can I reject the approved offer and accept the other one?

Yes. There is only a link with the banking entity when the loan is actually signed.

If you use a credit intermediary, they will be able to obtain the best proposal for you, as well as speeding up and facilitating the entire process between banking entities and the customer.

How can I choose the best proposal?

When comparing different housing loan solutions there are several factors to consider, such as: TAN, APR, MTIC, spread insurance, deadlines, fixed, variable or mixed rate.

These are complex terms and concepts, so if you have help from a Unipeople specialist, the entire process becomes much simpler and uncomplicated.

What types of mortgage credits are there?

Buying your personal permanent home or secondary home, building a house, transferring mortgage, carrying out renovations and buying land.

Start saving now

Copyright © 2024 – All rights reserved.
UniPeople acts as a linked credit intermediary authorized by Bank of Portugal n.º 0006413. None of the content on this website exempts you from reading the legally required pre-contractual and contractual information.
Photographs @ Unsplash & Pexels


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