Hello.
We’re a small family living in Pinhal Novo (Portugal) and currently paying a mortgage on our apartment. We recently had to do essential construction work in the kitchen, and now we’ve welcomed our first baby. With winter approaching, the cold here gets very intense, and we want to prepare at least one bedroom and the living room with proper heating/AC so our baby stays warm and comfortable.
Local financing options charge very high interest, and we’re trying to avoid putting ourselves into a long, expensive contract. That’s why I’m reaching out here, to see if someone can help us bridge this moment without falling into heavy debt.
We both work, Wife (full‑time - insurance administr