About us
We aim to be a trusted partner, guiding our clients through every step of their projects with professionalism, ethics, and dedication.
ime Miguel Costa Gomes, Linked Credit Intermediary, registered with the Bank of Portugal under no. 0009790
With almost 30 years of experience in the banking sector, including extensive practical experience gained at leading institutions such as Caixa Geral de Depósitos and Banco BPI, I have developed strong expertise in client portfolio management, risk analysis and business development, as well as in specialised support and the regularisation of critical areas such as litigation and real estate financing.
In addition to this professional experience, I am certified by the Instituto de Formação Bancária in Credit Intermediation and Mortgage Credit Marketing.
I work every day to help each client achieve their financial goals with security and peace of mind. I dedicate my time to finding the best solutions with lending institutions, always in a transparent and personalised manner, so that you can make your dream of owning your dream home a reality.
Because every client is unique, the support provided must also be exclusive, personal and professional.
I am at your disposal!
Commitment and Trust
Commitment and Trust
Authorized Services
Authorized Services
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.
Credit Intermediation (Mortgage Credit)
Presentation or proposal of credit agreements to consumers
Assistance to consumers through the performance of preparatory activities or other pre-contractual management services relating to credit agreements that have not been presented or proposed by the intermediary
Professional Liability Insurance
Professional Liability Insurance
Entity – HISCOX, S.A., Portuguese Branch
Policy No. – EFS 3635475
Insurance Contract Validity – From 03/07/2026 to 02/07/2027
Alternative Dispute Resolution Entities
Alternative Dispute Resolution Entities
Alternative Dispute Resolution Entities
Alternative Dispute Resolution Entities
The credit intermediary Jaime Miguel Costa Gomes has adhered to the following alternative dispute resolution mechanisms:
The credit intermediary Jaime Miguel Costa Gomes has adhered to the following alternative dispute resolution mechanisms:
About our agency.
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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: 0000000
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.: 262 000 000
email@email.pt
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: [INSURER]
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Insurance policy identification: RC0000000 valid from 00-00-2025 to 00-00-2029
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
