NEWS
Updates on mortgages, regulation and housing support schemes.
8 news items
On 19 October 2026, the Portuguese consumer association DECO PROteste proposed that when you repay part of your mortgage early, you should decide: a lower monthly repayment or a shorter loan. Today, a shorter loan needs the bank's agreement. Here is what it means for you.
21 October 2026Mortgage payments in Portugal had their biggest rise in about three years in October, and Euribor went up again on all terms. The European Central Bank meets on 28 and 29 October. Here is why your payment goes up, and when.
20 October 2026Not confirmed yet. Portugal's government wants to keep the public guarantee for young homebuyers in 2027, but the finance minister says no formal decision has been taken. Today, only mortgages signed by 31 December 2026 are covered. Here is what this means for your purchase.
16 October 2026Portugal had the biggest rise in house prices in the European Union. The average rate on new mortgages reached 3%, and monthly repayments go up in October. Together, these numbers make it more likely that a purchase stalls after the promissory contract. Here is why, explained simply.
2 October 2026About 57% of home and mortgage lending in Portugal now involves a mortgage broker, according to Banco de Portugal. For estate agents, lawyers and accountants, checking the mortgage earlier can prevent stalled deals. We explain when, how and what the law allows.
23 September 2026Only Malta, Bulgaria, Spain and Croatia lend more cheaply than Portugal. But Euribor has been rising for months and the European Central Bank has raised rates again. What it means for your monthly repayment, in plain English.
10 September 2026Since 1 August 2026, lenders in Portugal assess new loan applications under revised Banco de Portugal rules. The maximum share of income that can go to loan repayments has fallen from 50% to 45%, and the maximum mortgage term now depends only on your age. Here is what it means for your home and your mortgage.
10 September 2026Since 1 August, banks in Portugal are asked to keep loan payments within 45% of a household's net income. To keep more families under that line, some banks are asking for less cover on the life insurance attached to the mortgage. The monthly cost goes down — and so does the protection.
7 September 2026
