ASK Fernando

Happy Anniversary Fernando.

Ask Fernando has partnered with KipperTree over the past year to make your move to Portugal easier. Fernando specialises in Mortgages, Insurance, Home Internet and Mobile phones.

Mortgages 

Many people moving to Portugal need a mortgage to purchase their dream home. 

Applying for a mortgage in Portugal is fairly easy and there are good interest rates available with a downpayment of 20-30%.

For most foreigners, their international income reflects well with Portuguese banks and is therefore definitely an option worth looking at.

I have been arranging mortgages since 2007 when I started working as a real estate agent.

 For a mortgage quote I need the following information:

- Copy of passport (or at least exact full name and date of birth)

- Profession

- Email address

- Phone number 

- Purchase price of the property

- House mortgage needed

- Percentage Down Payment available by the client

Insurance

Insurance is one of the most requested services by my clients. I arrange all types of insurance and I work with 10 different insurance companies to get my clients the best offers on the market. 

 The most popular insurances are:

 1. Health

2. Home (both building and contents)

3. Vehicle

4. Life

Home Internet and mobile phone solutions

Our lives today are completely dependent on being connected to the internet, whether for work or leisure. I work with all 3 operators (MEO, VODAFONE, and NOS). 

I have over 13 years of experience and can help each client meet their needs by offering the best solution available. 

The plans and prices are exactly the same as offered by the companies if you were to contact them directly with the bonus of dealing with an English-speaking specialist who can guide you and efficiently book installation to ensure you have internet from the first day.

The whole process is done online to ensure you don't waste time having to go to the shop and struggle if you don’t speak Portuguese. Also, the shop will only be able to sell you their product whereas I can discuss the options available with all the main operators.

HOME INTERNET (WITH UNLIMITED FIBRE or 4G INTERNET)

To check the best coverage available send me the full address of the house or apartment along with exact GPS coordinates to find the best offer on the market.

SIM CARDS 

The majority of clients choose SIM cards with unlimited data to guarantee total freedom of internet usage without worrying about paying for extra data which can be expensive. 

The various options are:

2GB DATA (with 3500 mins and texts to Portuguese numbers)

5GB DATA (with 3500 mins and texts to Portuguese numbers)

10 GB DATA (with 3500 mins and texts to Portuguese numbers)

Unlimited data with a maximum 10MB internet speed (with unlimited calls to Portuguese numbers)

ABOUT ME

I was born in Central Portugal but went to Canada (Toronto) when I was very young and grew up there until I was 17 years of age.

On returning to Portugal I completed my studies and began my career as a real estate agent until the 2009 financial crisis which prompted me to widen the services I offer.

Since then I have arranged telecommunications contracts (home internet and mobile phone plans) and mortgages for my clients. 3 years ago I also started as an Insurance broker.

Because of my excellent English, I have specialised in helping English-speaking immigrants with their needs. 

Whatever your needs in my specialist fields I am confident that I can offer a fast, affordable solution.

Regards Fernando