Portuguese Mortgages Made Simple for International Buyers
Our In-House Financing Partner
Decades of Experience at Your Side
With 25 years dedicated to international property finance, we help you navigate the Portuguese lending landscape confidently — no matter how complex your profile.
Priority Access to Portugal’s Top Lenders
& International Private Banks
Through our established relationships with leading Portuguese banks and private lenders (as well as partners in Switzerland and Luxembourg), we unlock exclusive mortgage options not widely available on the market.
Bespoke Support for Complex Cases
From understanding your unique financial background to personalised solutions for your situation.
English-Speaking Legal and Financial Support
Enjoy a seamless journey from initial consultation to keys in hand — saving time, avoiding costly missteps, and ensuring peace of mind.
TESTIMONIALS
What Our Clients Say
Hear from our satisfied customers who have experienced the quality and value of our all-in-one property services.
Portuguese Mortgage Interest Rates
Portugal continues to offer competitive mortgage rates for international buyers, making it an appealing choice whether you’re purchasing a family retreat or an investment property. Rates can vary depending on your residency status, financial profile, and chosen lender.
Below are some example scenarios for a €500,000 mortgage amount, to give you an idea of what to expect:
Max LTV (Term)
Estimated Rates From*
Monthly Payments**
70% (25 years)
3.30%
€2,315
60% (30 years)
3.10%
€2,097
* Interest rates for May 2025
** Based on €500,000 mortgage amount. Actual rates and repayments will depend on your personal situation and the lender’s criteria.
What You Need To Know About Portuguese Mortgages
Repayment Options
Most non-resident buyers secure a capital repayment mortgage. In certain cases, interest-only loans can be arranged for high-net-worth clients.
Fixed vs Variable Rates
Choose between stable, predictable fixed rates (commonly 3–4%) or variable rates linked to the Euribor index for potential savings.
Loan-to-Value & Deposit
Typically, non-residents can borrow up to 60–70% of the property’s value, meaning you’ll contribute around 30–40% as a down payment.
Term Length
Loan terms extend up to 30 years, often capped by the borrower’s age (usually up to 75).
Affordability Assessment
Banks usually limit total debt repayments to around 30–35% of your net monthly income. We help you structure your finances for a smooth approval.
Pre-Approval Advantage
Our relationships with underwriters allow us to secure pre-approvals swiftly, giving you a strong position when negotiating your purchase.
All Our Portuguese Mortgage Services
Standard Mortgages
Properties Under Construction
Specialist financing
Documentation for Portuguese Mortgage
Understanding the required documentation is essential for a smooth and efficient mortgage approval in Portugal. Below is a breakdown of the key documents lenders will ask for, along with what each one involves.
1
Passport or National ID
You’ll need to provide a valid passport or national identity card as proof of your identity and nationality.
2
Portuguese Tax Number (NIF)
A NIF (Número de Identificação Fiscal) is a Portuguese tax number required for all property purchases and links you to official financial activities.
3
Proof of Residence
Recent utility bills, bank statements, or rental agreements to confirm your current address.
4
Credit History Report
A detailed credit report helps lenders assess your financial reliability. This includes checking for any outstanding debts, late payments, or defaults.
5
Bank Statements
Statements from the past 3 to 6 months to confirm savings, spending patterns, and liquidity.
6
Income Verification & Tax Returns
Recent payslips and employment contracts, plus your latest tax return(s). Self-employed applicants will typically need 1–2 years of returns.
7
Asset & Liability Declaration
A summary of your worldwide assets, investments, and existing liabilities. This helps lenders understand your overall financial health and long-term stability.
8
Preliminary Sales Agreement
Known in Portugal as the Contrato Promessa de Compra e Venda, this document outlines the terms of your property purchase and confirms your intent to buy.
9
Insurance
Most Portuguese lenders require life and property insurance policies to protect both you and the bank. Some lenders may allow exceptions depending on your profile.
Your Portuguese Mortgage Enquiry
Managing Foreign Exchange & Currency Transfers
Transferring large sums internationally can come with unexpected costs, fluctuating exchange rates, and potential delays — all of which can impact your overall investment and cost you thousands. Our trusted foreign exchange partners help you navigate these complexities smoothly and confidently by:
Save up to 3–4%
On currency transfers compared to high street banks
Lock in Favourable Rates
Secure exchange rates in advance for up to 24 months
Receive Tailored Guidance
Access expertise for large property transactions
Tax Benefits & Residency Incentives
France offers several tax-efficient routes for international buyers. Our advisors will guide you through setup, management, and financing options.
IFICI Regime (NHR 2.0)
20% flat tax on Portuguese work income for up to 10 years, with most foreign income fully exempt. Available to professionals in approved high-value sectors like tech, R&D, healthcare, engineering & more.
Golden Visa Program
Portuguese residency through a €500,000 fund investment, with Schengen access and only a 14-day minimum stay every two years.
No Wealth or Inheritance Tax on Foreign Assets
Portugal does not impose wealth or inheritance tax on foreign-held assets passed to close family members, allowing you to protect your global estate and plan for future generations with confidence.
Get in Touch
Our partnering team is on hand to offer expert guidance tailored to your situation, whether you’re just getting started or ready to move forward.
1
Book a personal mortgage consultation
2
Understand your mortgage and tax options clearly
3
We help with both sourcing your ideal property and securing financing
4
No pressure, no obligation—just friendly, professional advice
Your Portuguese Mortgage Enquiry
Portuguese Mortgage FAQs
Our Guides For Buying Property in Portugal
