We cut through the paperwork and compare the banks for you. You end up paying less, with no small print and nothing to pay us.
In seconds you see the estimated instalment and the real costs, with the nominal rate, the APRC and the full representative example. If you want to go ahead, we handle the rest for you.
Seven calculators so you know exactly what you are getting into, from the mortgage instalment to the taxes on buying and selling. Fast, free and with no obligation.
Buying a home? See the estimated instalment in seconds.
Calculate →Find out how much you can save by switching banks.
Calculate →Know every cost that comes with buying a home.
Calculate →Check how much of your income the instalment takes.
Calculate →See how much IMI (annual property tax) you will pay.
Calculate →Work out the property transfer tax on your purchase.
Calculate →Estimate the tax on the profit from a sale.
Calculate →All the Guru's tools in one place.
Explore →The same mortgage, far fewer headaches. See the difference:
No queues, no legalese. Answer 4 quick questions and the Guru shows you an instant estimate, with no obligation.
Less paperwork.
More banks competing for you.
Zero small print.
We talk the way you'd explain things to a friend: direct, with a sense of humour and without terms that send you to Google.
The bank won't call to say there's something better. We will.
Fixed or variable rate? The right one is the one that lets you sleep.
Saving isn't cutting out coffee. It's no longer paying interest you don't have to.
We work for you. The banks pay us.
Buying a home with the right instalment. We compare the banks and negotiate the best spread and insurance for you.
Learn more →Build your home from scratch with no financing surprises: stage drawdowns, handled with the bank.
Learn more →Already have a mortgage? We move you to a bank with better terms and bring your instalment down.
Learn more →Clear-headed decisions: we help you organise your finances and choose the path that makes sense for you.
Learn more →The answers to the most common questions about credit and saving. If you need anything else, the Guru is always around.
We gather information about your financial needs, analyse your profile and look for the best offers on the market. We present the available options, clear up every doubt and follow the process through to the signed contract.
For you, nothing. The service is 100% free for the consumer: the banks pay for our intermediation. We charge the client no commission or fee whatsoever.
Yes. We are a tied credit intermediary authorised by Banco de Portugal under no. 0007551, a registration you can confirm on the Banco de Portugal website. The whole process is secure, legal and confidential.
A bank sells its own financial products directly. A credit intermediary analyses several offers from different institutions and presents you with the best available option, without being tied to a single bank.
We work with Caixa Geral de Depósitos, Santander Totta, Bankinter, Novo Banco, Crédito Agrícola, Banco BPI, UCI, Abanca and Banco CTT. We compare offers from these banks to find the most favourable terms for you.
Yes. If you already have a mortgage, we can help you transfer it to another institution with better terms, reducing the interest rate or the monthly instalment. We do the maths first so you can see how much you save.
As a rule, banks finance up to 90% of the property value, so you need around 10% as a deposit, plus deed costs and taxes (IMT and stamp duty). The Guru helps you do these sums before you go ahead.
Yes. We offer credit solutions for companies, including investment loans, working capital and car leasing.
Yes, every calculation and every quote is free and comes with no obligation at all, so you can weigh your options before making a decision.
We are a credit intermediary: we compare the partner banks and bring you the right offer for your profile. Fast, secure and 100% free.