Sublime Finance is a company specializing in credit consulting and intermediation, dedicated to offering solid, transparent financial solutions tailored to each client's needs. Our mission is to simplify processes, ensure informed choices, and create lasting relationships based on trust and rigor.

We work with a clear commitment: to provide close, professional, and results-oriented support. Each client deserves careful analysis, a personalized solution, and the peace of mind to make secure financial decisions.

With an experienced team focused on excellence, we combine technical knowledge with a human approach, ensuring that each step of the process is clear, efficient, and advantageous.

Sublime Finance operates in complementarity with PALATIUM – Sociedade de Mediação Imobiliária, a leader in the real estate sector. Although independent, the two companies work side-by-side, leveraging synergies that allow them to offer more complete and effective solutions to clients. The management, led by Fernando Cabecinhas, has 20 years of experience, reinforcing the trust, strategic vision, and professionalism that underpin this valuable partnership.

At Sublime Finance, we work to ensure that each client feels supported, informed, and confident — always with the certainty of being in good hands.

Sublime Finance is a company specializing in credit consulting and intermediation, dedicated to offering solid, transparent financial solutions tailored to each client's needs. Our mission is to simplify processes, ensure informed choices, and create lasting relationships based on trust and rigor.

We work with a clear commitment: to provide close, professional, and results-oriented support. Each client deserves careful analysis, a personalized solution, and the peace of mind to make secure financial decisions.

With an experienced team focused on excellence, we combine technical knowledge with a human approach, ensuring that each step of the process is clear, efficient, and advantageous.

Sublime Finance operates in complementarity with PALATIUM – Sociedade de Mediação Imobiliária, a leader in the real estate sector. Although independent, the two companies work side-by-side, leveraging synergies that allow them to offer more complete and effective solutions to clients. The management, led by Fernando Cabecinhas, has 20 years of experience, reinforcing the trust, strategic vision, and professionalism that underpin this valuable partnership.

At Sublime Finance, we work to ensure that each client feels supported, informed, and confident — always with the certainty of being in good hands.

A Credit Intermediary is a natural or legal person authorized and registered with the Bank of Portugal to support consumers in the analysis, selection, and contracting of credit. Their mission is to present, propose, explain, and monitor credit solutions, acting as a link between the client and financial institutions, ensuring informed decisions tailored to each consumer's profile.

This activity is regulated by Decree-Law No. 81-C/2017, of July 7, which establishes the legal framework for credit intermediation and the provision of consulting services. This decree defines the requirements for access, suitability, mandatory training, civil liability insurance, information duties, and rules of conduct. The regime was subsequently adjusted by Decree-Law No. 122/2018, of December 28, reinforcing consumer protection and the transparency of the process.

The regulation is complemented by Bank of Portugal Notice No. 6/2017, which details the authorization process, registration, remuneration policies and organizational requirements, and by Instruction No. 16/2017, which defines the forms and documents required for registration applications. Decrees Nos. 385-B/2017, 385-D/2017 and 385-E/2017 regulate mandatory training, certification of training entities and professional insurance.

In the exercise of their functions, Credit Intermediaries may present or propose credit agreements, provide assistance in the preparatory acts of agreements they have not proposed and, when authorized, enter into agreements on behalf of lending institutions. However, they may not grant credit directly or market banking products such as deposits or payment services.

One of the essential principles defined by the Bank of Portugal is that the consumer does not bear any cost for the services provided by the Credit Intermediary. Compensation is guaranteed exclusively by the financial institutions with which the intermediary collaborates, ensuring complete transparency and protection for the client.

This robust legal framework ensures that the consumer is assisted by qualified, trained, and supervised professionals, promoting rigor, trust, and security at all stages of the credit contracting process.

A Credit Intermediary is a natural or legal person authorized and registered with the Bank of Portugal to support consumers in the analysis, selection, and contracting of credit. Their mission is to present, propose, explain, and monitor credit solutions, acting as a link between the client and financial institutions, ensuring informed decisions tailored to each consumer's profile.

This activity is regulated by Decree-Law No. 81-C/2017, of July 7, which establishes the legal framework for credit intermediation and the provision of consulting services. This decree defines the requirements for access, suitability, mandatory training, civil liability insurance, information duties, and rules of conduct. The regime was subsequently adjusted by Decree-Law No. 122/2018, of December 28, reinforcing consumer protection and the transparency of the process.

The regulation is complemented by Bank of Portugal Notice No. 6/2017, which details the authorization process, registration, remuneration policies and organizational requirements, and by Instruction No. 16/2017, which defines the forms and documents required for registration applications. Decrees Nos. 385-B/2017, 385-D/2017 and 385-E/2017 regulate mandatory training, certification of training entities and professional insurance.

In the exercise of their functions, Credit Intermediaries may present or propose credit agreements, provide assistance in the preparatory acts of agreements they have not proposed and, when authorized, enter into agreements on behalf of lending institutions. However, they may not grant credit directly or market banking products such as deposits or payment services.

One of the essential principles defined by the Bank of Portugal is that the consumer does not bear any cost for the services provided by the Credit Intermediary. Compensation is guaranteed exclusively by the financial institutions with which the intermediary collaborates, ensuring complete transparency and protection for the client.

This robust legal framework ensures that the consumer is assisted by qualified, trained, and supervised professionals, promoting rigor, trust, and security at all stages of the credit contracting process.