About us
We aim to be a trusted partner, guiding our clients through every step of their projects with professionalism, ethics, and dedication.
At our company, we believe that every client is unique and deserves financial solutions tailored to their needs. As authorized credit intermediaries, our mission is to simplify access to financing, helping families and businesses make informed and secure decisions.
With an experienced and dedicated team, we support the entire credit process – from profile analysis and simulations to contract signing – ensuring transparency, speed, and close support. We work only with leading financial institutions, offering competitive and personalized solutions for each case.
Commitment and Trust
Commitment and Trust
What does a credit intermediary do?
What does a credit intermediary do?
A credit intermediary acts as a bridge between clients and financial institutions, helping to find the financing solution that best fits each situation. Their role is to analyze the client’s profile, present credit options, answer questions, and guide the entire process up to contract signing.
This professional ensures transparency, speed, and security by comparing different offers on the market and helping to negotiate advantageous conditions. By using a credit intermediary, clients save time, avoid bureaucracy, and make informed decisions regarding their financing, whether for housing, vehicles, or personal loans.
IDENTIFICATION ELEMENTS AND DESCRIPTION OF THE CREDIT INTERMEDIARY’S ACTIVITY
IDENTIFICATION ELEMENTS
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Company name: [COMPANY]
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Business address: [ADDRESS]
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Registration number with Banco de Portugal: 0001497
Information regarding credit intermediaries registered with Banco de Portugal can be consulted at: www.bportugal.pt/intermediarios-credito
The activity as a credit intermediary is subject to the supervision of Banco de Portugal.
Contacts:
Tel.: 258 906 600
info@habit3.net
DESCRIPTION OF THE CREDIT INTERMEDIARY’S ACTIVITY
Credit intermediation services
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Presentation or proposal of credit agreements to consumers
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Assistance to consumers, through preparatory acts or other pre-contractual management work relating to credit agreements not presented or proposed by the intermediary
Category of credit intermediary: Tied credit intermediary
Identification of lenders or groups with which contractual ties are maintained:
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BANKINTER, SA – Branch in Portugal
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UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) – Branch in Portugal
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BANCO BIC PORTUGUÊS, SA
Credit intermediation exercise regime: Activity carried out under a non-exclusive regime.
Types of credit covered: Mortgage credit
Civil liability of [COMPANY] towards third parties:
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Civil liability insurer: Allianz Portugal Insurance Company, SA
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Insurance policy identification: RC205957314 valid from 17-10-2024 to 17-10-2025
Under Article 46 of the legal framework for credit intermediaries, the receipt and delivery of funds is prohibited, as set out below:
"Prohibition on receipt and delivery of funds
1 – Credit intermediaries are prohibited from receiving or delivering any amounts related to the formation, execution, and early compliance of credit agreements.
2 – The following situations are not covered by the prohibition in the previous number:
a) The receipt of funds by credit intermediaries as remuneration for services provided in Article 4, under Articles 58 and 61;
b) The receipt, by credit intermediaries as an ancillary activity, of funds delivered by lenders for payment of the price of goods or services financed through the credit agreement;
c) The delivery to lenders of funds corresponding to interest and charges associated with a credit agreement, when that agreement is intended to finance the acquisition of goods or services marketed by the credit intermediary as an ancillary activity and the intermediary has assumed payment of such interest and charges to the lender."
Legal Information
CREDIT INTERMEDIARY
Legal Information
CREDIT INTERMEDIARY
