Make a last Will & Testament in Portugal

Benefits of this Service

Every year we help thousands of individuals save money on their foreign currency payments for property purchase, emigration, overseas mortgage repayments, etc.

If you make or receive payments in a foreign currency, we could save you a great deal of money and make your currency transfers simple.

We guarantee much better exchange rates than the ‘tourist rates’ you would normally get from your bank and can save you up to 6% on currency transfers typically saving you £5,000 on a £100,000 transfer.

A is for Account:

Open a free account with us - Your account can be opened the very same day and you will be assigned a dedicated account manager.

B is for Better Rates:

Your account manager will keep you informed on currency market movements and get the best exchange rate for you at the time. Once agreed, this rate is then guaranteed for you.

C is for Currency Transfer:

Once you have paid for your currency we will immediately transfer the money to the bank account specified by you, anywhere in the world.

Benefits at a Glance

• Highly competitive exchange rates
• Quick and easy same-day transfers
• Free tailored service with our currency experts
• Dedicated Relationship manager
• Safe & Secure transfers
• Authorised by the Financial Conduct Authority

Who Can Benefit from this Service?

You've found what looks like your dream property online – stunning photos, perfect location, reasonable price. 

But here's what those glossy listings don't tell you: you're walking into a minefield designed to separate foreign buyers from their money.

Why Many Expats Get Burned

Think of how difficult it would be for a foreigner to know the best spots in your town or city to buy, and you will begin to realise the difficulties expats face when trying to find the perfect home in Portugal.

Remember, estate agents in Portugal don't work for you – they work for the seller!  Here's what happens:

• Hidden problems and inflated values – they push properties that benefit them most
• Language barriers during crucial negotiations leave you vulnerable
• Environmental issues go unmentioned – noise pollution from nearby restaurants, bars, or industrial facilities, plus odour problems from sewage treatment plants or waste facilities
• Traditional building renovation nightmares – finding specialist artisans for historic properties can be extremely difficult and expensive, with renovation costs often exceeding 100% of purchase price
• Structural issues that locals spot immediately go unnoticed by foreign buyers
• Perfect properties never publicly listed – sold through local networks you can't access

Our English-speaking property finders flip this broken system on its head. We work exclusively for you, not the seller. What we do differently:

• Act as your personal property detective uncovering off-market gems
• Spot environmental red flags like noise pollution zones and odour-producing facilities before you buy
• Assess renovation reality – identify properties requiring specialist historic restoration work and estimate true costs including permits and qualified artisans
• Negotiate aggressively on your behalf to secure the best deals
• Eliminate language barriers and navigate complex bureaucracy
• Ensure you see exclusive opportunities that never reach the public market

Benefits - Why Choose Our Service

1. Transparent Fixed Fee Structure: Pay a clear, upfront fixed fee with no hidden charges or commission-based conflicts of interest, unlike estate agents whose fees increase with higher property prices.

2. Exclusive Buyer Representation: Unlike estate agents who work for sellers to achieve the highest price, we work solely for you as the buyer, focused entirely on your interests and securing the best deal possible.

3. Access to Off-Market Properties: Gain access to exclusive properties not publicly listed, including pre-market opportunities that estate agents won't show you, giving you first choice of the best options.

4. Unbiased Property Assessment: Receive honest, objective opinions highlighting both pros and cons of each property, unlike estate agents who are incentivized to present only positive aspects to secure a sale.

5. Expert Negotiation on Your Behalf: Benefit from skilled negotiators who use market knowledge to secure better prices and terms, rather than estate agents working to maximize seller profits.

6. Comprehensive Due Diligence: We conduct thorough property investigations, legal checks, and structural assessments to protect you from costly mistakes that estate agents may overlook.

7. Customised Property Selection: Receive properties meticulously tailored to your individual needs, preferences, and budget, rather than being shown whatever estate agents need to sell.

8. Expert Legal and Financial Consultation: Gain invaluable insights into local property regulations, taxation, and financial aspects with guidance from our experienced local legal and financial experts.

9. Multilingual Support: Work through the property market effortlessly with our multilingual agents, ensuring clear communication and understanding throughout your journey.

10. Post-Purchase Care: Continue receiving support after the sale, including help with utilities setup and local service recommendations to help you settle seamlessly.

Who Is This Service For?

Are you relocating to Europe and have investments or pensions (401k's/IRA) in the United States?

Many U.S. investors are unaware that their existing financial advisors and institutions often cannot legally continue managing their investments once they relocate to Europe. This can result in forced account closures or hurried transitions, potentially disrupting your long-term financial planning.

Our dual-regulated advisory service ensures continuous, compliant management of your U.S.-based investments while living in Europe. 

Designed for individuals with $300,000+ in U.S. assets, we provide seamless cross-border investment management that maintains your access to U.S. markets while adhering to both U.S. and European regulations.

Don't wait until you're forced to make a rushed decision. Secure your investment management future with our approved partner firms.

What Does This Service Consist Of?

• Initial discussion to determine your financial objectives
• Compile an initial financial check 
• Ensure compliance with Financial Regulatory Authorities in both the US and the EU
• Ongoing support and wealth management

Those invested in the US stock markets who relocate to Europe are at risk of being unable to react to world events if their stockbroker is unable to carry out their orders in time. Act now to establish legally compliant control over your investments in the United States.

Who Is This Service For?

Are you relocating to the EU with existing UK pensions or investment accounts?

Do you have a defined contribution scheme, defined benefit pension, hybrid schemes, or offshore pensions from locations like the Isle of Man and Jersey, as well as Individual Savings Accounts (ISAs).

Many UK pension holders don't realize that managing their pensions after relocating to the EU can become extremely complex, with potential restrictions on accessing and managing their investments.

Our specialized cross-border pension management service ensures your UK pension assets remain accessible and properly managed while living in the EU, with full regulatory compliance on both sides.

We specialize in helping clients consolidate and optimize their UK pension arrangements through regulated International SIPP solutions, providing greater investment flexibility and removing currency exchange risk.

What Does This Service Consist Of?

• Comprehensive review of your existing UK pensions, including assistance in locating and consolidating multiple pension schemes
• Detailed analysis of your current pension arrangements and recommendations for optimization through International SIPP transfers where beneficial
• Expert guidance on cross-border pension regulations and compliance requirements between the UK and your EU country of residence
• Implementation of currency risk management strategies to protect your pension value
• Access to a broader range of international investment opportunities through regulated pension structures
• Ongoing pension management and advisory support tailored to your new EU resident status

Don't let your UK pensions become a source of complexity after your relocation! 

Our specialized service ensures seamless management of your pension assets while providing enhanced investment flexibility and protection against currency fluctuations.

Mortgage Service

Are you an English-speaking foreigner dreaming of owning a slice of Portuguese paradise? 

Let our expert mortgage brokerage service turn that dream into reality. We specialize in holiday home mortgages for non-resident property buyers, offering you:

• Generous Financing: Borrow up to 70% of your property's purchase price or valuation
• Flexible Options: Choose from fixed, variable, or mixed-rate mortgages to suit your financial strategy
• Competitive Rates: Access variable rates based on annual Euribor, often with attractive margins

Why choose us?

• Local Expertise: Manage property financing in Portugal with confidence
• Language Support: Communicate effortlessly in English throughout the entire process
• Tailored Solutions: Get personalised advice to match your unique financial situation
• Time-Saving: We handle the paperwork and negotiations, so you don't have to
• Money-Saving: Benefit from our market knowledge to secure the best possible terms
• Stress-Free Experience: Enjoy peace of mind knowing you have a dedicated expert in your corner