At Bison Bank, we are committed to continuously providing solutions that meet the needs of our Clients.
The Bison Bank mortgage solution, available to Portuguese and international Clients, is guaranteed through a partnership with UCI (Unión de Créditos Inmobiliários, S.A., EFC (Sociedad Unipersonal) – Branch in Portugal)*, an institution specialized in this type of financing.
If you are buying or building your first house, refinancing a mortgage, or investing in real estate, our solution was created to help you achieve your goals, benefiting from a wide range of benefits:
Customized Solutions: We will work closely with you to create a personalized financing plan that meets your unique needs.
Payment Flexibility: We adapt payment plans according to your individual needs, offering flexible options that fit your lifestyle and budget.
Simplified Process: Our approval process is swift and efficient, so you can acquire your home quickly and carefree.
Personalized Service: Our dedicated team is here to provide guidance, answer your questions, and ensure that you feel confident at every step of the process.
Fixed Rate
Term of 10 or 15 years and up to a maximum of 75 years of age at the end of the loan.
Mixed Rate
Minimum of 7 years and maximum of 35 years according to the selected product, Client profile, and up to a maximum of 75 years of age at the end of the loan.
Variable Rate
Minimum of 7 years and maximum of 35 years according to the selected product, Client profile, and up to a maximum of 75 years of age at the end of the loan.
Fixed Rate – Fixed interest rate for 10 or 15 years, established at the time the loan is taken out and without adding a spread.
Fixed Rate at 10 years – 5,460%
Fixed Rate at 15 years – 5,308%
Mixed Rate – Fixed interest rate for 5, 10 or 15 years, established at the time of taking out the loan and without adding a spread. After the fixed rate period, the interest rate on the loan becomes the interest rate indexed to the 6-month Euribor + spread. The spread may vary according to the loan conditions.
Mixed Rate (Fixed Rate 5 years) – 5,362%
Mixed Rate (Fixed Rate 10) – 5,239%
Mixed Rate (Fixed Rate 15 years) – 5,239%
Variable Rate – Interest rate indexed to 6-month Euribor + spread. The spread may vary according to the loan conditions.
Depending on the evolution of the benchmark, the interest rate applied to the housing credit contract may assume negative values in accordance with Law No. 32.2018, of July 18.
Variable Rate indexed to the 6-month Euribor – 5,501%
Bison Bank, as a Linked Credit Intermediary authorized to operate in Portugal, is registered with the Bank of Portugal and is included in the list of Credit Institutions that provide credit intermediation services, information that can be consulted through the list of Credit Institutions acting as Credit Intermediaries on the Bank of Portugal’s website. The credit intermediary activity of Bison Bank is subject to the supervision of the Bank of Portugal, with its civil liability ensured by the insurer Hiscox, S.A..
Bison Bank acts as a Linked Credit Intermediary without exclusivity. The granting of housing credit is the exclusive responsibility of UCI – Unión de Créditos Inmobiliários, S.A.E.F.C. – Branch in Portugal, a lending entity registered with the Bank of Portugal under code 403 as a Credit Institution.
* UCI – Unión de Créditos Inmobiliários, S.A., Financial Credit Establishment (Single-Member Company) – Branch in Portugal is a branch of a financial institution headquartered in the European Union, registered with the Bank of Portugal under the number 403 (UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) – BRANCH IN PORTUGAL) that operates in compliance with the principles of lawfulness conferred upon it regarding advertising and consumer information, particularly in Notice No. 10/2008 of the Bank of Portugal, which establishes the duties of information and transparency to be observed by credit institutions and financial companies in advertising financial products and services. Please consult UCI for more information.
For further information, we invite you to visit: Mortgages in Portugal: Fixed, Mixed and Variable rates | UCI
The UCI Housing Credit is a mortgage-backed loan agreement. This information does not constitute an offer of financial conditions nor does it replace the consultation of the complete product terms. Conditions are valid for contracts concluded under the Housing Credit regime. APR calculated in accordance with Decree-Law No. 74 A/2017, of June 23.
This disclosure is of an advertising nature and is made by Bison Bank.