PH4:13 Consulting Spain

PH4:13 Consulting is a specialist consultancy dedicated to helping expats, non-residents, and international investors successfully buy, finance, invest in, and improve property in Portugal.

We understand that purchasing property abroad can be complex. Navigating the Portuguese real estate market, understanding mortgage requirements, comparing financing options, and managing renovations often involves multiple professionals and unfamiliar processes. Our mission is to simplify that journey by providing expert guidance under one trusted partner.

Whether you’re purchasing your first home in Portugal, investing in residential property, refinancing an existing mortgage, or renovating a newly acquired property, we provide clear advice, personalised solutions, and professional support from start to finish.

Our Story

PH4:13 Consulting was founded with a simple vision: to make buying, financing, investing in, and improving property in Portugal easier for expats, non-residents, and international investors.

Years of experience in credit intermediation, real estate, investment, and construction revealed a common challenge faced by many buyers. Finding the right property, securing the most suitable mortgage, understanding legal and financial requirements, and managing renovation projects often meant dealing with several different companies, resulting in unnecessary delays and added complexity.

PH4:13 Consulting was created to bring these essential services together in one place.

Today, we provide a complete end-to-end consultancy service that allows clients to move through every stage of their property journey with confidence. From the first consultation to the final renovation, our focus remains the same: delivering transparent advice, practical solutions, and measurable results.

Meet Your Specialist

Bruno Faria

Credit Intermediary Specialist for Foreign Clients | Real Estate & Investment Consultant

Bruno Faria is an experienced Credit Intermediary and Real Estate Consultant specialising in helping foreign clients, expats, and non-residents purchase property and secure mortgage financing in Portugal.

With more than 10 years of experience in the Portuguese real estate market and four years dedicated to credit intermediation, Bruno has successfully guided clients through every stage of the buying and financing process.

His expertise extends beyond mortgages. Bruno advises clients on residential property purchases, investment opportunities, buy-to-let strategies, property renovations, and long-term wealth creation through Portuguese real estate.

What makes Bruno’s approach unique is his practical experience as an active real estate investor. Rather than simply offering advice, he applies the same strategies and market knowledge in his own investments. This hands-on experience enables him to provide realistic guidance on financing, property selection, renovation potential, and investment returns.

His mission is to help every client make informed decisions, negotiate better financing conditions, and achieve successful property investments with complete confidence.

Areas of Expertise

• Mortgage Solutions for Expats & Non-Residents
• Residential Property Financing
• Property Investment Consultancy
• Buy-to-Let Investment Strategies
• Fix & Flip Opportunities
• Property Market Analysis
• Credit Structuring & Bank Negotiation
• Property Purchase Support
• Renovation Planning & Value Enhancement
• Investment Strategy & Portfolio Growth

What We Do

Mortgage & Credit Solutions

Finding the right mortgage can make all the difference. We compare financing solutions from leading Portuguese banks to secure competitive mortgage options tailored to your financial goals. Whether you’re buying your first property, refinancing an existing loan, or investing in Portuguese real estate, we guide you through every step of the credit process.

Insurance Solutions

Protecting your investment is just as important as acquiring it. We help clients choose suitable insurance solutions that provide financial security, peace of mind, and long-term protection for their property and family.

Property Investment Advisory

Portugal continues to attract investors from around the world thanks to its stable property market, strong rental demand, and long-term growth potential.

We assist clients with identifying investment opportunities, evaluating properties, analysing profitability, and developing strategies designed to maximise long-term returns.

Construction & Renovation

Whether you’re modernising an existing home or completely renovating an investment property, our construction and renovation services help unlock your property’s full potential.

From planning and budgeting to project management and completion, we focus on delivering quality workmanship, transparent communication, and outstanding results.

Why Choose PH4:13 Consulting?

Complete End-to-End Service

From mortgage approval to property purchase, investment planning, and renovation, we provide a complete solution under one trusted partner.

Specialists in Expat & Non-Resident Property Purchases

We understand the unique challenges international buyers face when purchasing property in Portugal. Our services are specifically designed to simplify the process and provide complete clarity.

Expertise Across Finance, Real Estate & Construction

Our multidisciplinary experience allows us to consider every aspect of your property journey—not just financing, but also investment potential, property value, and long-term profitability.

Transparent Advice

We believe trust is built through honesty. Every recommendation is based on your individual goals, with clear communication and no hidden surprises.

Investment-Focused Thinking

Whether you’re buying a family home or building an investment portfolio, every recommendation is made with long-term value and financial performance in mind.

Personalised Client Support

Every client has different goals. We take the time to understand your situation and provide tailored solutions designed around your specific needs.

Our Mission

To empower expats, non-residents, and international investors with expert guidance, transparent advice, and tailored solutions that simplify buying, financing, investing in, and improving property throughout Portugal.

Our Vision

To become Portugal’s most trusted consultancy for international property buyers by delivering exceptional service, practical expertise, and long-term value across every stage of the property journey.

Building Opportunities in Portugal

Whether you’re searching for your dream home, financing your next investment, refinancing an existing mortgage, or renovating a property to maximise its value, PH4:13 Consulting provides the expertise, knowledge, and support needed to help you succeed.

We believe every successful property journey begins with informed decisions, trusted advice, and the right partner by your side.

Our commitment is simple: to help you move forward with confidence while turning your property goals into lasting opportunities.

Ready to Start Your Property Journey?

Wherever you are in the world, we’re here to help you navigate the Portuguese property market with confidence.

From your first consultation to the final signature—and beyond—PH4:13 Consulting is your trusted partner for mortgages, real estate, investments, insurance, and property renovation in Portugal.