UCI is a financial entity specialized in mortgage solutions exclusively available through Real Estate Agents. As a specialist, UCI offers a complete service, from application to signing the mortgage deed, making the purchase of your house easy, convenient and secure. As the preferred financing partner of Real Estate Agents, UCI helps you to secure a good purchase at a fair price.

UCI was created by two of the largest financial groups in Europe, Grupo Santander and BNP Paribas. UCI is a multinational group, operating in Portugal, Spain and Greece. Through the experience acquired, developed and shared with other countries, we are familiar with your needs and we understand them.

If you want to move to Portugal, or if you just want to enjoy great holiday experience at your own property in this country, UCI has the most appropriate mortgage solution for you.

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Because if you are a Non Resident (European Union citizen) wishing to purchase a residential property in Portugal, we provide you with the most appropriated solution.

• A team of highly experienced and qualified staff who will provide you with an efficient, friendly and knowledgeable service in your own language.

• A wide range of mortgage products at competitive rates to suit your needs.

• A mortgage proposal which tells you how much you could borrow.

• Expert, personal advice and the best professionals to see you through all the stages of buying a house in Portugal.

• A strong and close partnership with the real estate agents, which links the process of choosing a house and getting the necessary financing.

• A bureaucracy free process, assured by our exclusive team of legal agents who take care of all required documentation.

With UCI you decide the interest rate of your mortgage during the first 3 years. You can choose between a variable rate mortgage, which is linked to variations in the reference rate, or a fixed rate mortgage, which allows you to set the interest rate and the monthly payments during the first 3 years.

UCI wants to help you having a pleasant experience in buying your house in Portugal. Because the purchasing process has many specificities in different countries, UCI offers you some practical advice regarding the Portuguese reality.

We know how important it is to be advised by professionals who speak your own language. That’s why our team is always there for you at all stages of the process of buying a house in Portugal.

If you haven’t yet found a house, you can contact Real Estate Agents who will help you through the process and make sure that the house you choose has been legally declared fit to live in. You can also look for your house in specialised web sites and magazines, or contact property developers.

If you are interested in a property make an offer directly to its real estate agent. If it is accepted, you must make a down payment and sign the deposit or reservation contract.

Before formalising the purchase you should check a number of items related to the house as to safeguard the operation. During this process, UCI’s team of professional solicitors will conduct all searches and verifications, and will obtain all necessary documents and make sure everything is in order.

Your UCI mortgage adviser will help you to find the best solution to suit your needs and give you as much advice as you need to get you moving.

The house valuation is a very important stage of the buying process because it can influence the amount of the finance, and because it helps you guarantee that the purchase price is adequate (an authorised surveyor will check that the purchase price is adequate).

Urban Transfer Tax – This tax is paid in case of conveyance and is defined by the constant value of the act or contract or on the taxable value of the property, whichever is greater Stamp duty – 0.8% of the declared amount of the sale, payable to the notary; 0.6% of the mortgage, withheld by the bank; 0.4% of the process opening fees, withheld by the bank. Urban Property Tax – This tax is paid each year, except in case of exemption that can go now up to 8 years in case of permanent housing. It is a tax on the taxable value of the property.

After our solicitor has checked the legal title and made appropriate searches to check that there is nothing that would adversely affect the property and its value, he will arrange the conveyance in a notarial deed and cancel previous outstanding debts, if any.

You are obliged by law to take out an insurance against risk of fire on the property. At UCI you can take out a complete Multi-Risk Insurance. You are also strongly recommended to take out adequate life insurance. At UCI you can take out a complete Mortgage Insurance.