Who we are
About Us
Credit intermediary registered with the Bank of Portugal. We represent the client — not the bank.
Financial Options
Financial Options is a credit intermediary registered with the Bank of Portugal, serving clients across Portugal — including non-residents and foreigners buying property. Founded in 2023, it combines two decades of banking experience with the construction of digital solutions.
We represent the client — not the bank. We work with 12 partner banks, without exclusivity, and negotiate the best conditions for each situation. Learn more about what a credit intermediary does.
Two people, two complementary worlds
The banking of someone who spent a lifetime inside banks, and the technology of someone who builds digital solutions.
Henrique Moreira
Director and Co-founder
Over 20 years in banking, at Banco Espírito Santo and NovoBanco, where he was a Branch Director. He leads the advisory team and the relationship with partner banks.
LinkedIn
Fernando Moreira
Head of IT and Co-founder
Responsible for the Financial Options digital platform: the tools, the guides and the online presence that help thousands of people understand credit better.
LinkedInRegistration and guarantees
Registered with the Bank of Portugal
Credit intermediary registered under no. 0007198. Public and verifiable registration.
Verify registration →12 partner banks
We work without exclusivity with the main financial institutions in the country and negotiate the best conditions on your behalf.
How it works →100% free for you
We are paid by the banks when a loan is approved and finalized. The consumer pays nothing for our service.
Frequently asked questions →Professional liability insurance
Civil liability coverage with Hiscox Insurance Company Limited, as required for credit intermediaries.
Talk to us
Want to know the best credit solution for your situation? Talk directly to our team — free of charge and without obligation.