Terms & conditions

Who we are

We are Portugal Private Finance (portugalprivatefinance.com) a brand name and group website of Private Finance Group UK ltd, an international mortgage brokerage based at: 45 Holmead Road,SW6 2JD, Private Finance Group UK Ltd is a credit intermediary with FCA authorisation number 741190.

What we do

We act as intermediary between international buyers of Portuguese property and a range of Portugues Retail banks, Intermediaries and International Private banks. We provide a range of options from which you can select the option that is best for your purchase.

Our charges

References to “you” or “your” are references to any person accessing this web-site (“Site”). It is free to apply for a mortgage with us. You will have no charge unless we are successful. Private Finance Group aims at an overall remuneration structure from 1% to 2% of the mortgage amount on each application (excluding any payment received by the bank for the possible management of assets from the clients). This commission structure includes Broker Fees and Bank Commission. Therefore, in some cases, we do not charge a broker fee as the lender commission is already at 1% of the mortgage amount. In some cases, the total commission (broker fees + bank commission) may reach 2% of the mortgage amount as the work required with some banks to achieve a positive outcome is more complex or there is a risk that the bank claws back the commission paid in case of very early repayment of the mortgage by the client.

General terms and conditions for advertisements

General disclaimer – Your rate may differ from the advertised rate. Loans are subject to status. Early settlement fees may apply. Private Finance Group UK Ltd is a credit intermediary with FCA authorisation number 741190.


The final terms and conditions of any loan will be found in the Portuguese version of the mortgage offer. Any translations into other languages do not hold weight and cannot be relied upon under Portugues law. Rates may change at any time and the final rate will only be secured once you receive your mortgage offer. All mortgages are subject to status and eligibility criteria which can change at any time. Portugal Private Finance do not guarantee that you will obtain the lowest rate on the market. We work with a panel of lenders with whom we have a track record of obtaining loan offers on a cross border basis. In some cases we may work with new providers where our knowledge of lending committee decisions may be less extensive. In which case it may be that the offer is not forthcoming from the bank in Portugal.