Can I Get a Mortgage in Portugal?
Regulated by Banco de Portugal n.º4835
10+ years • 500+ clients • €45M+ financed
No spam. GDPR-compliant. Response within 24h.
Compare mortgage solutions from Portuguese banks and find out how much you could borrow.
Working With the Best
TRUSTED BANK PARTNERS
Licensed & compliant
Authorized credit intermediary regulated by Banco de Portugal. GDPR-first workflows.
International expertise
We specialize in non-resident and foreign income cases, including US, UK, CA and more.
Proven results
500+ clients financed with competitive rates and personal guidance end‑to‑end.
Why buyers choose us
Best offers from multiple banks
We compare proposals so you don't have to. Strong partnerships streamline approvals.
Paperwork handled
From simulation to deed, we manage documents, compliance and timelines.
Fast, transparent process
Clear milestones, weekly updates, and a single point of contact.
What clients say
Step 1
Free simulation
Share your profile and budget for a quick feasibility check.
Step 4
Account & appraisal
Open the bank account and schedule the property appraisal.
Step 2
Documents
We help collect the exact documents Portuguese banks need.
Step 5
Deed
Sign the mortgage and celebrate your new home.
Step 3
Bank proposals
You receive and compare offers; we clarify terms and costs.
Step 6
Continuous support
We go beyond the deed — providing ongoing guidance and actively seeking the best credit and refinancing opportunities for your life in Portugal.
Chloe James
“Clear, fast and transparent. Weekly updates were priceless.”
— Chloe, California → Algarve
Daniel Taylor
“As US non-residents we expected hurdles. They handled everything and secured a great rate.”
— Daniel, Baltimore → Porto
Emily Chen
“They compared multiple banks and explained every clause in plain English.”
— Emily, NY → Lisbon
FAQs
Can non-residents get a mortgage in Portugal?
Yes. Portuguese banks do lend to non-residents, subject to proof of stable income and LTV caps (maximum loan-to-value). We guide you through that process.
What rates and terms can I expect?
It depends on your profile, whether you choose fixed or variable rates, and the bank. We negotiate proposals and explain total long-term cost.
Do I need to already have a property?
Not always. We can start with a feasibility simulation and mortgage strategy before you commit to a specific property.
Which documents will I need?
ID, proof of address, portuguese tax number, proof of income/assets, and property documents once you’ve chosen a home. We send a clear checklist.
Loans subject to Portuguese bank credit approval. Terms & conditions apply.