Luis Miguel Simões
Com uma sólida bagagem no setor bancário e a visão estratégica de quem foi empresário, encaro cada desafio com o máximo rigor e atenção aos detalhes.
No entanto, o que realmente me move não são apenas os números. Para mim, crédito não é uma simples conta matemática — é o caminho para concretizar um sonho.
A minha missão diária é estar ao seu lado com total profissionalismo, transparência e dedicação, garantindo que o seu projeto ganha vida de forma simples e segura. Afinal, o meu objetivo é dar crédito aos seus sonhos!
Certifications / Experience / Areas of expertise
- Licenciatura em Ciências da Comunicação
Free assessment
No obligation
Tailored support
Authorised intermediary
Guided end to end
How the process works
A clear, transparent process, step by step.
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Get in touch
The client submits a request for an assessment or speaks directly with an adviser. -
Review of your situation
The adviser assesses your objectives, income, existing commitments and overall circumstances. -
Comparison of options
We review the options available across our partner lenders. -
Support through to approval
You receive help with documentation, answers to your questions and guidance at every stage until approval.
Talk with me!
A Credit Intermediary near you!
Perguntas Frequentes
Is there any cost to me?
No. Assessing your situation, comparing offers and supporting you through to completion are all provided at no cost to you.
If the service is free, how is the adviser paid?
Your adviser is paid by the lenders we work with, never by you. Maxfinance is a credit intermediary authorised by Banco de Portugal and has a legal duty to act in your best interest. Full details on how we are remunerated are set out in our Information Duties, available in the site footer.
What happens after I submit a request?
Your adviser will get in touch to understand your situation and your objectives. From there, they will explain the options available to you and the next steps. Submitting a request involves no obligation: you only decide whether to proceed once you have seen the offers.
I already have an offer from my bank. Is it still worth speaking to you?
Yes. Your adviser can review the offer you already have and compare it with what is available from other lenders. That way you decide with more information, whether that means going ahead with your current offer or choosing a different one.
Which banks do you work with?
We work with a range of lenders operating in Portugal. This means we can compare offers and find the option best suited to your profile, rather than being limited to the terms of a single bank.
What documents do I need to prepare?
At first, all you need to do is speak to your adviser. As the process moves forward, you will usually be asked for proof of identity, proof of income (payslips and your IRS tax return), bank statements and your Banco de Portugal credit liabilities report. Your adviser will tell you exactly what is needed in your case.
How long does the process take?
It depends on each case: how quickly the documents are submitted, the property valuation and the lenders’ response times. After the initial review, your adviser will give you a realistic estimate and will follow each stage to avoid delays.
Want to understand which is the best solution for your case?
Talk to Luis Miguel Simões and ask for a free analysis, with no commitment.
Request a free analysis