UCI Mortgages - UCI. União de Créditos Imobiliários

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In order to deal with your case, we will contact with you using the telephone number, email address and name that you have given us. We will use these details at UCI (Unión de Créditos Inmobiliarios S.A. ESTABELECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL) only to contact you and reply to any queries or requests for information that you might raise with us. We will not retain or use them for any other purpose, and (unless we are entirely obliged), will not provide them to anyone else. Should you wish to find out more with regard to the legal aspects of this procedure, and in particular how we protect your privacy, Click here.

UCI offers you the easiest way to

finance your home in Portugal

Common sense customer service in your language.
Wide range of mortgage solutions and competitive rates.
Up to 70% LTV for non-residents and 80% residents.
No linked products such as life insurance.
Expert personal advice and the best professionals to see you through all the stages of buying a property in Portugal.
Secure property completion, assured by our exclusive team of legal agents who take care of the conveyance.
UCI is a financial institution belonging to the groups BNP PARIBAS and SANTANDER.

uci mortage variable

enjoy flexibility Variable Interest Rate. Variable rate mortgage based on Euribor 6 month. Mortgage term minimum of 7 years. Up to 70% of the property's purchase price.

uci mortage mixed

first term under control Fixed rate from 2 to 20 years. Variable rate for the remaining term, up to 30 years. Mortgage term minimum of 7 years. Up to 70% of the property's purchase price.

uci mortage fixed

everything under control Fixed rate for the entire term. Minimum 10 years, maximum 30 years. Up to 70% of the property's purchase price.

95% of our customers are satisfied

98% of our customers recommend us

97% of our customers are satisfied with our Mortgage Advisors

Who are we?

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 home easy, convenient and secure. As the preferred financing partner of Real Estate Agents, UCI helps costumers to secure a good purchase at a fair price. Through the experience acquired, developed and shared, we are familiar with your needs and understand them. if you want to move to Portugal, or if you just want to enjoy your holiday at your own house, UCI has the most appropriate mortgage solution for you.

Tell us what you want and we will show you the way.

Request your mortgage

Purpose

Purchase of a property in Portugal by non-resident citizens for use as a main residence and second home.

Max. Finance

Up to 70% of the house purchase value, according to applicant’s profile and guarantees provided. Maximum loan amount of 3,000,000€.

Mortgage Term

Minimum of 7 years and maximum of 30 years. Up to 75 years (limit age of the oldest applicant at the end of the loan).

Interest Rate

Three interest rate options: Fixed interest rate of 10, 11, 12, 13, 14 or 15 years (agreed with UCI at the moment of signing and without addition of margin); Mixed interest rate of 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14 or 15 years (agreed with UCI at the moment of signing and without addition of margin) or indexed to Variable interest rate (Euribor six-month) plus margin. Margin is defined according to the loan terms.

APR 15 Year Fixed Rate of 2.612%.
Financing example for a 15 year Fixed Rate Mortgage, for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 180 months, corresponding to 180 monthly repayments of €638.91. Loan with fixed Nominal Annual Percentage Rate of 1.900%, in force in June 2021. Total or partial early repayment fee of 2% on the repaid capital. Total amount payable by the consumer of €120,162.84. Total credit cost of €20,162.84.

Financing example for two 30-year-old holders. It includes the initial expenses with compulsory multi-risk home insurance 174.54€ (average annual value), opening fee €520.00 (taxes included), administrative and contract fees €416,00 (taxes included), property valuation fee €221,00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included).

APR Mixed Rate (15 years-Fixed Rate) of 2.715%.
Financing example for a Mixed Rate Mortgage (15 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €150.000.00 and a mortgage term of 360 months, corresponding to 180 monthly repayments of €379.70 and 180 monthly repayments of €339,94. Loan with fixed Nominal Annual Percentage Rate of 2.200%, in the first 15 years, in force in June 2021. In the following periods, the loan is indexed to Euribor for 6 months (-0.513%), in force in June 2021, plus a spread of 1.190%, resulting in a variable Nominal Annual Percentage Rate of 0.677%, rounded to the thousandth. Total or partial early repayment fee of 2% on the repaid capital in the fixed rate periods and 0.5% in the variable rate periods. Total amount payable by the consumer of €144.468.60. Total credit cost of €44.468.60.

APR Variable Rate of 1.745%.
Financing example for a Variable Rate Mortgage, for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 360 months, corresponding to 360 monthly repayments of €332.64. Loan indexed to Euribor for 6 months (-0.513%), in force in June 2021, plus a spread of 1.750%, resulting in a variable Nominal Annual Percentage Rate of 1.745%, rounded to the thousandth. Total or partial early repayment fee of 0.5 % on the repaid capital. Total amount payable by the consumer of €127,527.24. Total credit cost of €27,527.24.

Find out more at UCI – Unión de Créditos Inmobiliários, S.A., Establecimiento Financiero de Crédito (Sociedad Unipersonal) – Sucursal em Portugal, lender entity registered with the Bank of Portugal under code 403 as a credit institution. The UCI home loan solution is a credit agreement secured by mortgage. This information is not considered an offer of financial conditions nor a substitute for fully reading the conditions of the product. These conditions are valid for agreements signed under the Home Loan scheme. If the loan is granted in a foreign currency, the instalments may increase according to the applicable exchange rate fluctuations. APR calculated according to Decree-Law No. 74 A/2017, of 23 June. Information updated on 01 June 2021.

Contacts

UCI Helpline

(+351) 213 002 042
Weekdays from 09h00 to 18h00

UCI Head Office

Av. Engenheiro Duarte Pacheco,
Torre 1, 14º Andar, Amoreiras
1070-101 Lisboa

UCI Branches

Lisboa Branch

Av. Engenheiro Duarte Pacheco,
Torre 1, 14º Andar, Amoreiras
1070-101 Lisboa

Lisboa Norte Branch

Av. Engenheiro Duarte Pacheco,
Torre 1, 14º Andar, Amoreiras
1070-101 Lisboa

Lisboa Oriente Branch

Next Opening

Porto Branch

Praça do Bom Sucesso, nº 123/131,
Edifício Península, 3º Andar, Sala 306
4150-146 Porto

Coimbra Branch

Rua João de Ruão, nº12
Torre do Arnado, Piso 8, Sala A
3000-229 Coimbra

Oeiras Branch

Taguspark, Parque da Ciência e da Tecnologia, Núcleo Central 100
Sala 273
2740-122 Oeiras

Almada Branch

Rua Marcos de Assunção, nº 4
Almada Business Center, 2º Piso, Sala 2.08
2805-290 Almada

Algarve Branch

Av. Vilamoura XXI
Edifício Portal, Bloco B, 1º D e E
8125-406 Quarteira

Madeira Branch

Rua Ivens, nº 3
Edifício Dona Mécia, 1º G
9000-046 Funchal

Request your mortgage

Thinking of buying a property in Portugal?

Who are we?

Contacts

UCI Branches