Services
Mortgage - Purchase
We analyse your profile, explain the differences between fixed, variable and mixed rates, calculate ratios such as LTV and DSTI, and present comparative proposals from various banks. The goal is simple: to choose the solution that best balances instalments, total cost and security over time.
Credit Transfer
If you already have credit, we assess potential savings through portability or a review of conditions. We take care of the simulations and necessary documentation so that you can make a decision based on concrete figures and deadlines.
Construction and/or Works
We structure financing in phases, align the work plan and disbursements, coordinate assessments and measurement reports, and monitor the process until the work is completed.
Because your financing deserves more than a bank, it deserves a partner.
Second Homes and Investment
We tailor the credit structure to the purpose, whether for own use or leasing, anticipating additional requirements and optimising the balance between yield, risk and liquidity.
Multi-option Credit with Mortgage Guarantee
Non-Resident Customers
We manage the specific documentation requirements of each country, organise translations when necessary and liaise with agents, solicitors, valuers and insurers, ensuring a smooth process right up to the deed.
Monitoring and Compliance
We prepare the complete dossier (identification, proof of income and expenses, insurance, FINE), anticipate requests from the bank and maintain clear communication about costs, deadlines and next steps. Total transparency from the first contact to the signing.
If you are looking for independence in comparing proposals, simple language and close monitoring, you are in the right place. Contact us for an initial analysis with no obligation and find out how we can make your financing more assertive. The market and banking offers are constantly changing, and the banks we are linked to may have exactly the product you are looking for, and we will be the right team to find it.
Negócio Assertivo
At Negócio Assertivo, we help transform complex financial decisions into clear and secure steps. The focus is on mortgage loans, but we accompany you throughout the entire purchase process, from the first simulation to the deed, comparing banks, preparing the dossier and aligning all parties involved so that everything runs smoothly.