• 213 002 042 | 932 442 604
    • Direct Line UCI
      Working days from 09:00 to 18:00 (GMT)
        (+351) 213 002 042

        (Cost of a domestic landline call)

        (+351) 932 442 604

        (Cost of a mobile landline call)

    • Contact us
      Direct Line UCI
      Working days from 09:00 to 18:00 (GMT)
        (+351) 213 002 042
        (Cost of a domestic landline call)
        (+351) 932 442 604
        (Cost of a mobile landline call)
    Mortgage Request
    Contact us Mortgage Request
    UCI Advantages
    UCI ADVANTAGES

    There are so many UCI advantages for you

    If you think all mortgage solutions are the same, think again! UCI offers a wide range of advantages tailored to your needs.

    Find out more

    The expertise that makes the difference

    Purchasing a property is a big step, and it helps to have someone who truly understands your needs. At UCI you'll find true specialists and a set of advantages that made the buying process simple, smooth and fast. Just the way it should be.

    UCI key features

    • Tailored to you

      Simple solutions

      We keep it simple and we offer you the mortgage that best suits you.
    • Transparency

      Transparency

      We keep it clear and we make sure you have all the information you need.
    • Dedicated advisor

      Dedicated advisor

      Our team of specialists will be by your side every step of the way.
    • Flexibility

      Flexibility

      We understand your needs and we adapt to your pace.

    Find out all the UCI advantages

    • UCI

    • Other banks

    • Our dedication on mortgage lending makes UCI a reference for property financing in Portugal.
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    • UCI offers a wide range of innovative, exclusive financing solutions. Whether you are purchasing, building, renovating or moving, you'll find the solution at UCI.
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    • From start to finish, a UCI expert is by your side, available to answer your questions and keep you informed. We’re here for you at every step.
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    • We provide a thorough, no-cost assessment of your mortgage application, so you know exactly where you stand. At this stage, we also help you plan your financing to match the right house for your budget.
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    • UCI's decision process is quick and efficient, so you don't waste time and can move forward with the house purchase. Our mortgage specialists handle all the formalities and will help you schedule the deed promptly.
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    • With UCI, there's no need to change banks or open a new account. Keep your current bank account cause you don't need to open a new one. It’s simple and convenient.
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    • With us you only take out a mortgage, nothing more. No credit cards, no salary deposits, no extras you don’t need.
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    • We are committed to sustainability, social well-being and environmental protection by offering mortgage solutions that promote the purchase of properties with higher energy efficiency.
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    • UCI is part of a strong and trusted international group: Santander and BNP Paribas. We are in Portugal since 1999 and we help many families buy their homes and offer long-term confidence and stability.
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    • Whether online or in person through our nationwide branch network, UCI is here to respond quickly and efficiently - before, during, and after you purchase your new home.
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    How does it work?

    1

    Apply for a mortgage

    Start your mortgage online! Use our form to apply for your UCI mortgage loan to buy a house.

    2

    We will contact you

    A mortgage specialist will get in touch to learn more about your home buying project and to answer your questions.

    3

    We study your case

    With the required documentation, our team of experts will study your mortgage request and provide you a quick response.

    4

    We finance your home

    Once we've found the right solution, we'll go with you till the deed, helping you on every step of the buying process.

    Frequently asked questions about UCI advantages

    • UCI is a financial institution operating in Portugal and supervised by the Bank of Portugal. Backed by BNP Paribas and Santander, UCI follows a responsible and sustainable lending approach. We are fully committed to transparency, flexibility, compliance and the best practices.

      All mortgage contracts are signed directly with UCI, which ensures full compliance with all legal obligations and provides ongoing support throughout the loan. Our dedicated teams and support services are available to help manage your mortgage. With a nationwide branch network and a team of mortgage specialists, UCI offers a personalised service and continuous assistance.

    • Choosing UCI means gaining access to a unique set of advantages: in-depth loan analysis at no upfront cost, support throughout all the stages of the buying process, quick financing decision and mortgage signing, extended service hours and tailored solutions that adapt to your needs.

    • We offer a more personalized and transparent mortgage experience. From flexible service hours to remote loan management and no need to switch banks, we make the process easier. Plus, we work with certified partners to ensure you get the best support every step of the way.

    • One of our main goals is to always be there for our clients by adding value, building trust and offering a truly personal, distinctive experience. We are committed to continuous improvement, customer satisfaction and transparency, which are key values that define how we work. As a result, we hold a high customer satisfaction score; a high recommendation rate and a AEONOR certification. And it is not just our clients who are satisfied. Our employees play a key role in our mission. That´s why we are also certified as a Great Place to Work for our inclusive and supportive work culture.

    • No. With UCI, you can keep your current bank account. Your mortgage payments can be made from the account you already own, no changes needed.

    • You’re always in control. Manage your mortgage in person, through our support line, or online via UCI client area.

    CUSTOMER REVIEWS

    A mortgage specialist you can trust

    Our customers' opinions
    4.9/5
    + THAN 5000 OPINIONS

    Estou muito satisfeito com o serviço, um acompanhamento bem personalizado, com disponibilidade total e um nível de esclarecimento acima da média.

    JUL 2025

    O serviço prestado pela UCI e especificamente pelo*** foi excelente, e pautou-se pela total disponibilidade, transparência e confiança num processo que durou bastante tempo.

    JUL 2025

    Atendimento foi muito profissional a pessoa responsável pelo o meu processo na UCI me deu toda a orientação com muito detalhes e me ajudou a entender e esclarecer todas as minhas dúvidas isso foi muito importante porque...

    JUL 2025

    Super recomendo. A *** é uma excelente profissional.

    JUL 2025

    Estou extremamente satisfeito com o UCI na pessoa da *** foi incansável e célere para nos ajudar a resolver todas as situações e para que conseguíssemos escriturar o mais rápido possível.

    JUL 2025

    Muito profissional e dedicada a*** Tudo fez para que os constrangimentos fossem ultrapassados. Um processo muito rápido, todo ele tratado à distância. Recomendo, sem dúvida!

    JUL 2025
    Discover what UCI customers have to say

    Contacts