Question 1

What is Letraperfeiçoada?

Accepted Answer

Letraperfeiçoada is an independent credit brokerage in Setúbal, Portugal, part of the Decisões e Soluções group. We help international property buyers and Portuguese clients secure the best mortgage terms by comparing offers across multiple partner banks, managing all documentation, and providing end-to-end support from pre-check to deed signing — at no cost to the buyer.

Question 2

Is there a cost for using DS Crédito's services?

Accepted Answer

No. Our service is completely free for property buyers. As credit intermediaries, we are compensated by the lending institutions, so there is no direct cost to the client.

Question 3

Can international buyers get a mortgage in Portugal through DS Crédito?

Accepted Answer

Yes. We specialize in supporting international and non-resident buyers. We handle remote document collection, coordinate with lawyers and notaries, communicate professionally in English, and guide international clients through every step of the Portuguese mortgage process.

Question 4

What are the opening hours of Letraperfeiçoada?

Accepted Answer

We are open Monday to Friday from 09:00 to 18:00, and Saturday from 10:00 to 13:00. We are closed on Sundays and public holidays.

Question 5

How does the credit brokerage process work?

Accepted Answer

Our process has 5 steps: (1) Initial contact and feasibility assessment within 24-48 hours, (2) Profile review and comparison of multiple bank offers, (3) Pre-approval submission and liaison with banks, (4) Document management and coordination with all parties, (5) Support through deed signing and post-completion steps.

Question 6

Where is Letraperfeiçoada located?

Accepted Answer

We are located at Avenida Bento Gonçalves nº 2, 2910-431 Setúbal, Portugal. We are part of the Decisões e Soluções group which has 170+ offices across the country. Contact us at info@letraperfeicoada.pt to schedule an appointment.

Armando Serra

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