GUIDES
Clear explanations of mortgages, rates and the process, without the jargon.
35 guides
Many buyers in Portugal only start on the mortgage after choosing a property and signing the promissory contract. But the bank looks at the…
In our experience, a home loan in Portugal takes 30 to 60 days, from documents to the deed. The longest stages are the banks' answers and…
To start, you need ID, your tax return, proof of income, bank statements and your credit liabilities report. The bank uses them to check…
A home loan in Portugal has six steps: calculation, documents, offers from the banks, valuation of the home, approval and the deed. The…
No. The bank cannot change the terms of your home loan without your agreement. Your repayment can still change for other reasons: Euribor,…
The FINE is the European Standardised Information Sheet (ESIS). It has the same format at every bank, so you can compare offers. You get it…
Start with the bank itself, in writing. If that does not work, complain in the complaints book, on paper or online, or directly to Banco de…
Besides the deposit and taxes, there are bank and deed costs. The bank charges a fee for assessing the loan and, as a rule, for the home…
When you buy a home you pay two taxes: IMT and stamp duty of 0.8% on the value. For the home you will live in, IMT is zero up to €106,346…
As a rule, yes. For the home you will live in, the bank may lend up to 90% of the value. The other 10% is your deposit. There are two…
Yes. If you are 35 or under, your first home to live in can be exempt from IMT and stamp duty. In 2026, the exemption is full up to…
You can use a home loan to build a house, not only to buy one that is ready. For the home you will live in, the recommended limit is 90% of…
Yes. You can repay part or all of the loan at any time, and the bank must accept. The maximum fee is 0.5% of the amount repaid on a…
The essential mortgage terms, explained in plain language.