See how much lessyou could paybefore you sign with the bank.
Mortgages, home equity, vehicle finance, consórcio, pension plans and insurance compared across more than 50 institutions. You get the offers side by side, pick the best one and I handle everything until the money lands. No cost to you.
- Institutions
- +0offers side by side, including your own bank
- Experience
- 0 yearsinside the bank, knowing where each one squeezes
- Certifications
- CPA-0 · CEAANBIMA C-Pro R and C-Pro I
- Cost to you
- R$ 0the commission comes from the institution, not from your rate
On a thirty-year loan, half a point of interest is the price of a car.
And most people accept the first offer they are given.
I work with people buying or selling property, people who own property outright and need liquidity, and professionals and business owners organising protection and retirement.
Personal catalogue
What I compare for you
14 products, each with its own page. You do not need to know which one is right: that is what the diagnosis is for.
Lowest rateHome equity
A loan secured by a property you own outright, at a rate far below personal credit.
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Biggest savingMortgage
A house or an apartment, new, resale or off-plan, with the terms compared before you sign.
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Construction and renovation financing
Credit released in stages, as the build advances on land you own.
Ver o produtoConsórcio
Property, vehicle, renovation, travel or services, with no interest, only an administration fee.
Ver o produtoLoan portability and refinancing
Take your financing to another institution and pay less for the same debt.
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FGTS birthday withdrawal advance
An advance on the yearly FGTS instalments you are already entitled to, with the balance itself as collateral.
Ver o produtoHow it works
Four steps, from first contact to the money landing
You tell your story once, instead of repeating it at five banks.
Diagnosis
Fifteen minutes, no commitment and no cost. I map the goal, the numbers and the collateral available.
Structuring
I pick the institutions with appetite for your profile and build the proposal the way a credit committee needs to read it, the same defence I used to make from the inside.
Comparison
You receive the offers side by side: rate, term, collateral, total effective cost and what each one requires.
Signing
Digital signature and follow-up until the funds are released and, where it applies, the deed is registered.
Some of the institutions available
Who you are talking to
Ten years defending companies from the inside
I spent ten years inside Brazilian universal banks, Santander and Itaú, as a corporate account manager in the Business and Middle Market segments, serving companies with up to R$ 90 million in revenue. My job was not to judge the company: it was to build the deal with it, choose the right collateral, take it to the credit committee and argue there why it made sense.
That is where I learned what gets a deal approved and what kills it. Today I use that on your side: instead of defending your company at one committee, I take the same deal to more than 50 institutions and let them compete. I work through a platform of independent bankers, with a fully digital process.
I serve Novo Hamburgo and the Vale do Sinos region, Greater Porto Alegre and, remotely, the rest of Brazil. You always speak to the same person, from the diagnosis to the money in the account.
- Certifications
- ANBIMA CPA-20 (C-Pro R) and CEA (C-Pro I)
- Education
- Business Administration · MBA in Corporate Banking · MBA in Data Science & AI (in progress)
- Registration
- Securities consultant, CVM 004949-2
Before you call me
The questions that always come up
What does this cost me?
I already have a manager at my bank.
Do you work for Santander or Itaú?
Who do I sign the contract with?
Can you tell me the rate right now?
How long does it take?
Does asking for an offer affect my credit record?
Do you only work in Novo Hamburgo?
Free diagnosis
Fifteen minutes to find out how much less you could pay
Tell me your goal. I come back with a reading of what is possible and which institutions have the best terms for your case. If the best offer is the one you already have, I will say that too.
Your details are used only to get back to you. They are never sold or shared, and requesting the diagnosis does not trigger a credit check.
Next step
Tell me your goal. The simulation is free and takes fifteen minutes.
If the best offer is the one you already have, I will tell you. If it is not, you will know exactly how much you were leaving on the table.