Ana Pedras Credit graphic composition.
Credit

Mortgage, personal and business credit intermediation.

Our approach

Credit intermediaries authorised by Banco de Portugal (Reg. 0002864). We work with 12+ banks in parallel to secure the best offer for your case — at no cost to you.

12+
banks negotiated
€38M
credit brokered in 2025
-0.4%
average spread reduction
92%
proposals approved

What we do for you

  • Mortgages (new and transfers)
  • Personal & consolidation loans
  • Business financing and leasing
  • Mutual-guarantee lines & PT2030
  • Spread renegotiation
  • Free simulation and analysis

Who we work for

  • Families buying their own home
  • People wanting to transfer credit and save
  • Those with multiple loans looking to consolidate
  • Companies with investment projects
Does my case fit?
How we work

4 steps, no surprises.

  1. 1
    Pre-analysis in 24h

    Get an honest pre-analysis with max amount, estimated payment and feasibility.

  2. 2
    12+ banks consulted

    We send the dossier in parallel and negotiate spread, fees and bundled insurance.

  3. 3
    Comparative proposal

    Receive a clear table with every offer — APRC, total cost, spread and annual costs.

  4. 4
    Deed handled

    We coordinate valuation, notary and insurance. You only sign.

"We transferred our mortgage and now save €187/month. Over 25 years, that's nearly €56k."

Marta e Bruno Silva
Mortgage clients · Almada
Prefer to talk now?
+351 212 165 285contacto@anapedras.pt
Mon–Fri · 9:30–18:30 · R. 1º de Dezembro 9A, Barreiro
Credit

Free credit pre-analysis

We compare 12+ banks in parallel. You get a tailored pre-analysis within 1 business day.

No commitment · Reply within 1 business day · Confidential

Team for this area

Every client is supported by a dedicated advisor — with direct number and full case history.

Simulators

Run a simulation in seconds. Then our advisor negotiates on your behalf.

Frequently asked

What our clients ask

How much does your service cost?+

Zero. We're paid by the banks and are required to always present the best proposal for you.

What documents do I need for pre-analysis?+

Payslips, tax return, credit-bureau report and ID. That's enough to start.

How soon do I get an answer?+

Pre-analysis within 1 business day. Comparative bank proposal within 5–10 business days.

Do I have to switch salary bank?+

Only if you accept the final proposal. While comparing, nothing changes.

Start today with credit.

First meeting with no commitment. Free diagnosis or pre-analysis delivered within 1 business day.