Sept 2024
Est.
Zephyr Mortgages opened its doors in September 2024.
The Zephyr Process
How It Works
Whether you're relocating, buying as a non-resident, or investing remotely... we guide you through every step of the Portuguese mortgage process, free of charge.
Step 01Day 1
Initial Consultation
We start with a free, no-obligation conversation — in person, by phone or video call. We explore your goals, residency status, income profile and tax situation — including how non-habitual residency or cross-border income affects what banks will offer you.
Step 02Days 2–7
Document Gathering
Foreign income, overseas accounts, self-employment? Banks have very specific requirements. We send you a personalised checklist of exactly what's needed for your profile — no chasing, no guesswork — and review everything before a single document reaches a bank.
Step 031–7 days
Bank Matching & Application
We submit your application to our group of banking partners and negotiate terms in parallel. What you receive aren't simulations. They're real pre-approvals we've secured on your behalf. We then compare all costs across every offer and identify the best combination tailored to your profile.
Step 043–8 days (avg)
Property Valuation
Once you choose an offer, the selected bank orders an independent property valuation (avaliação). We track the process and chase the bank on your behalf so deadlines hold.
Step 051–8 days (avg)
Final Approval
With the valuation confirmed, the bank issues the final mortgage offer (called documento complementar). At this point, they are formally committed to your mortgage. We review every clause with you. We also coordinate timing with your lawyer or realtor on the promissory purchase contract (CPCV), so you're never left exposed.
Step 06Week 4+
Escritura & Keys
The deed signing (escritura) is the final step. The bank releases the funds, and you walk out with the keys to your Portuguese home. We're on hand throughout to make sure everything matches what was agreed.
A young company, a seasoned team
New on paper. Experienced where it matters.
30+ Years
Combined team experience
Decades of mortgage, banking and finance expertise behind every file.
Meet the team200+
Families helped
200+ families helped across the world since our establishment in September 2024.
Ready to start your journey?
Not sure where to start? Run a quick simulation to get a borrowing estimate... Or speak directly with our team for a fully personalised consultation.