Helping a UK Company Director Secure a Second Home in Portugal
A successful UK business owner looking to purchase a second home in Portugal for family holidays and future investment.
Challenge
The client, like many UK company directors, took a combination of a modest salary and dividends to remain tax-efficient. While this is a smart approach for UK tax planning, it can sometimes create complications when applying for a mortgage abroad, where income is assessed differently by lenders.
Our Approach
From the outset, we recognised the unique income structure and understood how to present it in the most favourable light to Portuguese lenders. In our first consultation, we took time to explore all available mortgage options, clearly explaining how the process works in Portugal for foreign buyers.
We guided the client through every step — gathering the necessary documentation (including company accounts, dividend statements, and tax returns), clarifying any lender-specific requirements, and offering personalised advice at every stage.
The Outcome
Thanks to our close relationships with a wide range of Portuguese lenders and our deep understanding of how UK directors are paid, we were able to secure a competitive mortgage offer tailored to the client’s needs.
The mortgage was approved without delays, and the client is now the proud owner of a beautiful second home in Portugal — where they now spend every holiday enjoying the sun, sea, and lifestyle they’d dreamed of.
As a UK company director, I needed a mortgage in Portugal with a tight deadline, and I couldn’t have asked for a better advisor. The process was made incredibly easy from start to finish, with expert guidance every step of the way. Rui was always available to answer my questions and went above and beyond to secure my approval on time. I highly recommend their services to anyone looking for a smooth and stress-free mortgage experience in Portugal.
Shay Keogh – UK
Passionate - Dedicated - Professional
