We take care of all the paperwork, all the chasing and negotiating. All you need to do is show up to sign the final deed!
Unlock Your Dream Home in Portugal: Hassle-Free Mortgages for Non-Residents!
Welcome to OneKey Credit, where your dream of owning a home in Portugal becomes a reality! Our expert team specializes in securing mortgages for non-residents, making the process seamless and stress-free.
Why choose Portugal?
- Golden Visa Program: Portugal offers a Golden Visa program, providing residency to non-EU citizens who invest in the country, including real estate investments.
- Stable Economy: Portugal boasts a stable economy and a favorable real estate market, making it an attractive investment opportunity for non-residents.
- Quality of Life: Enjoy a high quality of life with beautiful landscapes, a rich cultural heritage, and a welcoming community.
- EU Residency: Investing in property in Portugal can lead to residency in the European Union, opening up a world of opportunities for travel and business.
How are we going to help you
Our clients expect us to help them find the best mortgage conditions quickly and efficiently so they can get on with their busy lives.
FREE SERVICE
Our fees are payed by the banks and insurance companies. NOT YOU!
CREDIT LIMIT
Know your credit limit before starting your search for possible homes!
PEACE OF MIND
THE BEST RATES
CLIENT SUPPORT
Our Financial Partners
But why should you choose OneKey ?
We are a mortgage company, authorised by the Bank of Portugal. Our staff has more than 20 years of experience, we make the mortgage process in Portugal much simpler, convenient and secure.
As mortgage experts, we offer you the mortgage that best suits you. Whether you want to build your house from scratch or buy a new one, we have the right mortgage for you.
Our financial experts will help you through all the phases of the buying process, helping you clarify any doubts you may have. If you want to finance your home in Portugal, get the best advice here with OneKey.
EXPERIENCE
CUSTOMER SATISFACTION
TRANSPARENCY
Our Happiest Clients
Stella, Anthony and their family Journey to a New Home in Portugal with the help of OneKey.
The couple and their family recently entrusted OneKey for their move to Portugal, and the experience was nothing short of exceptional.
From the easy online booking to the efficient mortgage process, OneKey’s 20 years of expertise shone through. The family praised the simplicity, convenience, and security of the process, emphasizing the team’s responsiveness and genuine care.
Their smooth transition to Portugal left them happily recommending both the country and OneKey to others seeking their dream home. OneKey’s commitment to client satisfaction and expertise make them a standout choice for anyone navigating the mortgage landscape in Portugal.
Martha and Edward, a Couple's Journey to Portugal.
Martha and Edward recently chose OneKey for their move to Portugal, and the experience was exceptional. OneKey’s 20 years of expertise ensured a hassle-free process, from online booking to mortgage finalization.
The couple praised the simplicity, convenience, and security, emphasizing the team’s responsiveness and genuine care.
Their successful transition to Portugal has led them to recommend both the country and OneKey to couples seeking their dream home. OneKey’s commitment to satisfaction and expertise make them the go-to choice for couples navigating the mortgage landscape in Portugal.
Transforming Crypto Dreams into Portugal Reality
Meet Daniel, a crypto enthusiast who recently chose OneKey for a seamless move to Portugal. With 20 years of expertise, OneKey’s efficient process, from online booking to finalizing the mortgage, impressed Daniel.
Daniel commended OneKey for its simplicity, security, and expertise in catering to crypto investors. Now happily settled in Portugal, Daniel wholeheartedly recommends both the country and OneKey to fellow crypto enthusiasts in pursuit of their dream home.
In summary, OneKey’s tailored mortgage services make them the ideal choice for crypto investors navigating the real estate landscape in Portugal.
Frequently Asked Questions
Nationality can influence loan conditions because the credit profile of a foreign citizen may be considered higher risk, compared to national citizens. Although, the conditions for contracting a mortgage in Portugal for Non-Residents citizens are usually determined by:
✓ Economic profile of customers.
✓ Characteristics of the property.
✓ Financing policy.
Financial conditions for Non-Residents are like national citizens, however there may be small differences in some aspects of the risk analysis, particularly those related to the documentation required for the loan application.
Yes, it is possible to buy a property in Portugal (and obtain the financing) if you are not a resident and even manage the process remotely.
In terms of financing solutions at OneKey, both variable rate options (based on the Euribor index plus spread) and fixed rate options are available for non-residents. The fixed interest rate makes possible that the monthly payments remain constant over a certain period or even throughout the duration of the loan.
At OneKey, the maximum mortgage term for Non-Residents is 30 years, depending on the age of the applicants and up to a limit of 75 years of age at the end of the contract.
It may vary depending on the customer profile. In the case of Non-Residents, the maximum financing amount is 70% of the purchase price. Therefore, ultimately, an investment of between 30% and 40% of equity may be required when purchasing the property.
The maximum debt limit on credit for Non-Residents is, in general, up to 40% of the monthly income.
There is no need to translate documents and most of the documents may be in the original language.
In Portugal, it is mandatory by law to take out insurance against the risk of fire for the building. It is also recommended to take out appropriate Life Insurance. At OneKey you will find a wide range of insurance complementary to the mortgage loan.
NAME: One Key Lda.
HEADQUARTERS: Avenida da República 6, 7ºESQ 1050-191 LISBON
NIPC: 514628456
PROFESSIONAL HOME: Avenida António Augusto Aguiar, 108 7º 1050-019 LISBON
LANDLINE: 210507708
MOBILE PHONE: 924081164
Email: info@onekeycredito.pt
LENDING ENTITIES WITH BINDING AGREEMENT:
COFIDIS
BANCO CREDIBOM, SA
BANKINTER, SA – BRANCH IN PORTUGAL
CAIXA GENERAL DE DEPÓSITOS, SA
NOVO BANCO, SA
BANCO PRIMUS, SA
BNI – BANCO DE NEGÓCIOS INTERNACIONAL (EUROPA), SA
BANCO CTT, SA
BANCO BPI, SA
UNION DE CréDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CREDIT (SOCIEDAD UNIPERSONAL) – BRANCH IN PORTUGAL
CREDIT INTERMEDIATION SERVICES:
1. Presentation or proposal of consumer credit and housing credit contracts
2. Assistance to consumers, by carrying out preparatory acts or other pre-contractual management work in relation to credit contracts that have not been presented or proposed by them
3. Consultancy Services
Civil Liability Insurance for Credit Intermediaries subscribed to HISCOX SA branch in Portugal with registered office at Atrium Saldanha, Praça Duque de Saldanha, 1 5º 1050-094 LISBOA, NIPC 980595185., registered with CRC Lisboa
– Policy no. 2509884 – Credit intermediation for residential properties – valid until 03/19/2020
– Policy nº2508997 – Credit intermediation (except real estate) – valid until 05/23/2020
Linked and non-exclusive credit intermediary, for consumer credit and housing credit contracts, registered under number 2449 and subject to supervision by Banco de Portugal https://www.bportugal.pt/intermediariocreditofar/one-key-lda
One Key Lda. is not authorized, under the terms of article 46 of DL 81-C 2017, to receive or deliver any amounts related to the formation, execution and early fulfillment of credit contracts, whether or not it is intermediated.
© Copyright 2024• OneKey • Designed by The Bit Creative – Privacy Policy – Livro de Reclamações