Reference rates for mortgage credit
EURIBOR 3M 3.548%
EURIBOR 6M 3.425%
EURIBOR 12M 3.166%
Mixed rate starting at 2.50%
Reference rates for mortgage credit
EURIBOR 3M 3.548%
EURIBOR 6M 3.425%
EURIBOR 12M 3.166%
Mixed rate starting at 2.50%
Reference rates for mortgage credit
EURIBOR 3M 3.548%
EURIBOR 6M 3.425%
EURIBOR 12M 3.166%
Mixed rate starting at 2.50%
Reference rates for mortgage credit
EURIBOR 3M 3.548%
EURIBOR 6M 3.425%
EURIBOR 12M 3.166%
Mixed rate starting at 2.50%
Real estate mortgage
Your Dream Home in Portugal.
Whether you're looking to buy your first home or invest in property in Portugal, we're here to make your journey seamless. We find the best mortgage options tailored to your needs at no costs.
Start simulation![Real estate mortgage](/_app/immutable/assets/mortgage.677bb369.webp)
Start simulation
Why Choose Us?
Start your simulation now.
Take the first step towards securing your future in Portugal.
Use our mortgage simulation tool and discover the best financing options for your home purchase.
Ready to Get Started?
Contact us today for a free consultation and discover how we can help you achieve your real estate goals in Portugal.
Frequently asked questions
What are the basic requirements to apply for a mortgage in Portugal?
You generally need to provide proof of income, tax returns, bank statements, and identification documents. Non-residents may also need to present additional documents, such as proof of residency and a Portuguese tax identification number (NIF).
Can I get a mortgage as a non-resident?
How to guarantee the best conditions for your home loan in Portugal?
What is the largest loan I can obtain?
I already have a home loan. Can I lower my payments?
What types of home loans exist?
What kind of interest rates could I have for my home loan?
- Fixed interest rate
If you're looking for stability and assurance, a fixed interest rate allows you to maintain the same monthly payment throughout the entirety of your mortgage or throughout the period defined. You'll always know what amount you will pay, as you won't be dependent on the fluctuations of the market. - Variable interest rate
A variable interest rate could have the benefit of having an initial monthly payment that's less than the fixed rate, depending on the offer of each Bank. By choosing this interest rate, you know that your monthly payment will vary throughout the length of your mortgage, according to the indexed. Available on the market is the Euribor (Euro Interbank Offered Rate) at 3 months, 6 months or 12 months, meaning that at the periodicity of the chosen indexed your monthly payment is reevaluated and may at times be decreased or increased. - Mixed interest rate
A mixed interest rate allows you to start your loan with a fixed interest rate (depending on the offer of each Bank, it's possible to fix your rate for 2, 3, 4, 5, 10, 15, 20, 25 or 30 years) in which you'll always pay the same monthly payment amount for that time period, and afterward your loan will be indexed at the variable interest rate.
In this case, your monthly payment will be revisited for the remaining length of your loan, and increased or decreased based on the rates being practiced in the market at that time.
We are here to help.
Whether you're ready to take the next step or simply have questions about financing your property in Portugal, feel free to contact us at no cost