MORTGAGE AFFORDABILITY CALCULATOR
See how much you can borrow to buy a home
In 2 steps, you find out how much you will pay each month. We show you what share of your income goes on the loan: that is your affordability ratio. We use Banco de Portugal’s rules, the same ones the banks follow.
- 1Your numbers
- 2The loan
- 3Result
Step 1 of 3Your numbers
Questions about the calculator
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Both are amounts for the same loan. “Comfortable up to” is what we recommend: the repayment leaves room in your budget. “Within the limit” is the most Banco de Portugal’s rules allow. Between the two, the loan is possible, but it takes a bigger share of your income.
It is the share of the household’s monthly income used to repay loans. Banco de Portugal’s reference limit is 45%, in force since 1 August 2026; FINOVA recommends keeping it lower, typically up to 30 to 35%, to leave more room in the budget.
The simulation runs in your browser. We only receive your details if you choose to email the result or request a call.
No. It is a starting point. A personalised analysis takes your full profile and each bank’s current terms into account.
The Quick Estimate gives an estimated repayment in seconds; the Repayment Calculator works it out with the Euribor and spread of your choice; the Affordability Calculator checks whether the loan fits the ratios banks require.