We compare the banks for you, handle the paperwork and explain every line of the contract. You choose the most favourable offer for you among the partner banks and pay nothing for it.
In seconds you see the estimated instalment and costs, with the nominal rate, the APRC and the full representative example. If you want to go ahead, we take care of the rest.
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 no sign-up.
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, fewer detours. See the difference:
Answer four questions and the Guru shows you an instant estimate. No sign-up and no follow-up calls.
Nine banks compared at once.
The contract explained line by line.
You decide, we handle the rest.
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.
If one of our partner banks does better, you're the first to know.
Fixed or variable rate? The right one is the one that lets you sleep.
Comparing the partner banks costs less than a coffee. It's free.
We work for you and the banks pay us.
Buying a home with the right instalment. We compare the partner banks and negotiate the most favourable terms, compared on the APRC and the total amount payable (MTIC).
Learn more →Build your home from scratch with financing that follows the build: the bank releases the money in tranches as the work progresses.
Learn more →Already have a mortgage? We check whether a partner bank offers you better terms and, if it pays off, we handle the switch.
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 compare the offers from our partner banks. We present the available options, clear up every doubt and follow the process through to the signed contract.
For you, nothing. The banks pay for our intermediation. We charge the client no commission or fee.
Yes. Guru Poupança is a brand owned by Gurupoupança, Unipessoal Lda, a tied credit intermediary authorised by Banco de Portugal under registration no. 0007551, which you can check 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 compares the offers from the banks it has contracts with and presents you with the options, so you are not tied to a single bank.
We work with 9 partner banks: Caixa Geral de Depósitos, S.A.; Banco Santander Totta, S.A.; Bankinter, S.A. - Sucursal em Portugal; Novo Banco, S.A.; SICAM - Caixa Central e Caixas de Crédito Agrícola Mútuo; Banco BPI S.A.; Union de Créditos Inmobiliários, S.A., Establecimiento Financiero de Crédito (Sociedad Unipersonal) - Sucursal em Portugal; Abanca Portugal, S.A. and Banco CTT, S.A. We compare offers from these banks to find the most favourable terms for you.
Yes. If you already have a mortgage, we check whether one of our partner banks offers you better terms and, if it pays off, we help you transfer it to reduce the interest rate or the monthly instalment. We do the maths first so you can see whether it is worth it.
As a rule, banks finance up to 90% of the property value for an owner-occupied main home, 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.
No. Guru Poupança only arranges mortgage credit for individuals (consumers). We do not handle business financing or other types of credit, such as personal or car loans.
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 compare the partner banks and bring you the right offer for your profile. Fast, secure and at no cost to you.