Credit Intermediation Specialist
CARLOS
ROMA
Mortgage Advisor at DS Intermediários de Crédito and Insurance Consultant at DS Seguros
I work with national and international clients looking to finance properties in Portugal. From your dream home to investment opportunities, I offer personalized solutions that simplify every step of the process.
Beyond credit, I help you protect what matters most. Through DS Seguros, I propose non-financial and financial insurance solutions tailored to your profile — from life and health insurance to protecting your assets — ensuring peace of mind for you and your loved ones.
By combining the trust and reliability of DSI Crédito and DS Seguros with deep market knowledge, I ensure you receive the best financial guidance for your situation.
Our Areas
Everything You Need, in One Place
Credit
Mortgage, consolidation, personal and business credit — we negotiate the best conditions for you.
View Credit SolutionsInsurance
Non-financial and financial insurance to protect every aspect of your life.
View InsuranceSavings
Savings and investment plans to build your future with peace of mind.
View SavingsAccess to the best banks in the market
Financial partners
Credit Solutions
Credit Solutions for Your Financial Goals
Mortgage Credit
Purchase, transfer, construction or land acquisition — we secure the best conditions tailored to your needs.
Credit Consolidation
Combine all your existing loans into one, reduce monthly payments and improve your family budget.
Business Financing
Tailored solutions including loans, leasing and consulting to support your business success.
Credit Simulator
Indicative simulation with bank rules — receive the details by email
Indicative simulation only, not a binding offer. All figures must be confirmed with the client and validated by partner banks.
Credit Type
Proponents
Nationality
Residency
Housing Type
Proponent's permanent residence · Max LTV: 90.00%
Rate Type
Fill in the data and click Simulate
Enter all your credit details to get an indicative simulation.
State Support
Public Guarantee for Youth
Support for youth aged 18 to 35 to purchase their first permanent home, up to €450,000. A unique opportunity to buy your home on more affordable terms.
Maximum amount
450.000 €
18 to 35 years
Age at the date of the credit agreement
Tax residence in Portugal
Tax residence in Portuguese territory
Income up to 8th IRS bracket
Up to €80,000/year (2024)
No properties in your name
No residential property registered in your name
No debts to Tax Authority/Social Security
Regularized situation with Public Administration
Non-Financial Insurance
Non-Financial Insurance to Protect Your Everyday
Health Insurance
Access to quality healthcare and protection of your well-being with personalized coverage.
Home Insurance
Comprehensive protection for your home or business against damage, theft and unexpected events.
Personal Accidents
Live life with confidence with coverage for personal accidents.
Work Accidents
Ideal protection for employees and self-employed professionals.
Financial Insurance
Financial Insurance to Protect Your Future
Life Insurance
Protect your family's future with plans designed to provide financial stability in unforeseen circumstances.
Retirement Savings
Build a peaceful future with retirement savings plans tailored to your goals.
Investment and Savings
Investment solutions to grow your wealth with confidence and professionalism.
Your Trusted Manager
Tailored Solutions for
Credit, Insurance and Savings
Expert Guidance
Whether for a new mortgage or refinancing, we negotiate the best conditions for your needs.
Insurance Solutions
Customized life and health insurance plans to protect you and your loved ones.
Time and Effort Saved
We handle the complexities of the financial process, giving you more time to focus on your goals.
Professional Experience
With years of experience in the Portuguese financial market, we provide clear, actionable guidance.
Trust and Transparency
We build strong relationships with leading financial institutions, ensuring access to competitive offers.
Stay Informed
Subscribe to Our Newsletter
Get tips and news about credit, insurance and the real estate market in Portugal.
Frequently Asked Questions
Frequently asked questions
Yes. I am paid by the bank that finances your credit — never by you. Regardless of your final decision, you pay nothing.
Contact
Let's Talk
I'm available to answer all your questions about credit and insurance. Contact me for a free, no-obligation consultation.
Carlos Roma
Mortgage Advisor & Insurance Consultant
Point your phone camera at the QR code to save the contact instantly.