Negócio Assertivo

Negócio Assertivo

About Negócio Assertivo

Negócio Assertivo – Credit Intermediation is a Portugal-based mortgage brokerage specialising in supporting international clients looking to purchase property across the country.

As a Portuguese native, I have a deep and practical understanding of how the local banking system works behind the scenes. I know how lenders assess risk, what truly matters in each application, and how to position your profile to maximise approval chances and secure the most competitive terms available.

Buying property abroad can feel complex and uncertain, especially when dealing with unfamiliar requirements, timelines and documentation. My role is to simplify that journey, giving you clarity, confidence and full support from the very beginning.

By working with a panel of leading Portuguese banks, I am able to compare multiple solutions and tailor each financing structure to your specific situation, whether you are a resident or non-resident, employed or self-employed, or purchasing for personal use or investment.

I also understand the nuances of foreign income, cross-border financial structures and time-sensitive transactions, allowing me to anticipate challenges and resolve them proactively.

From initial assessment to final completion, I coordinate closely with banks, real estate agents and legal teams to ensure a smooth, efficient and transparent process.

My focus is simple: to help you secure the right mortgage, with confidence and without unnecessary complexity.

 

Location

Algarve – Portugal

Services

  • Independent mortgage advice with access to a panel of leading Portuguese banks

  • Pre-approval and financial assessment tailored for residents and international clients

  • Bespoke financing solutions for property purchase, second homes and investment opportunities

  • Structured mortgage solutions including renovation and value-add projects

  • Equity release strategies, unlocking capital from existing property portfolios

  • Multilingual support, ensuring clear communication with clients from different countries

  • End-to-end support with documentation, bank requirements and underwriting processes

  • Full coordination with real estate agents, lawyers and banking partners through to completion

  • Strategic guidance on insurance and associated banking products to optimise your terms

What people say about us...

Jay Correia

Sergio Fagundes were wonderful to work with. They literally saved the deal. Without Sergio's help, financing a foreign property would have been impossible. I cannot compliment Sergio enough for his professionalism, communication, and ability to get the job done.

Peter Wickes

What a great experience we had with Sergio. Buying our first house in Portugal and he couldn’t have supported us better. Very prompt responses, clear communication and attention to detail. Highly recommended.

Allan Pinfold

Sergio is a true gentleman. His professionalism, care and knowledge are outstanding. He guided me through the entire process and made my property purchase in Portugal smooth and stress-free. I will always be grateful.

José Ligtenbelt

Sérgio supported me with my mortgage and insurance process when buying a property in Portugal. Everything went perfectly thanks to his responsiveness, clear communication and explanation of all documents. I highly recommend him.

Sergio is a true gentleman. His professionalism, care and knowledge are outstanding.