Our intermediary service is free for clientsWe work with non-residentsAcross Portugal
START WITH THE NUMBERS
Key facts about mortgages in Portugal in 2026
Без ограниченийNo restrictionsSem restriçõesThere are no restrictions on non-residents getting a mortgage in Portugal.
70–80%Loan-to-value ratio for non-residents: 70–80%.
2,93%2.93%In June 2026, the average rate on new agreements was 2.93%.
35–40 лет35–40 years35–40 anosLoan term: 35–40 years.
75 лет75 years75 anosThe maximum age of the borrower by the end of the loan term is 75 years.
45%Payments on all loans should not exceed 45% of net income.
€1 660 + 0,6%€1,660 + 0.6%Additional costs and taxes: €1,660 plus 0.6% of the loan amount.
ИндивидуальноCase by caseCaso a casoThe minimum residual income is assessed individually by the bank.
5–10 недель5–10 weeks5–10 semanasThe mortgage processing time is 5 to 10 weeks from the date of application.
Indicative figures for 2026. Individual terms, the available amount and costs depend on the bank, borrower and property; final figures appear in the bank’s simulation and FINE.
ВАШ ПРЕДВАРИТЕЛЬНЫЙ РАСЧЁТ
Рассчитайте ориентир по ипотеке
Начните с доступного бюджета или проверьте платёж по конкретному объекту. Расчёт покажет ориентир; условия банка уточним по вашей ситуации.
Сколько платить в месяц?
Укажите стоимость недвижимости и сумму, которую готовы внести сами.
На какую покупку рассчитывать?
Оценим бюджет по доходу, сбережениям и выбранным параметрам кредита.
Как посчитано +
Срок по умолчанию зависит от возраста старшего заёмщика: ориентир — погашение к 75 годам. Здесь можно изменить срок, ставку и другие допущения; это не условия или одобрение банка.
Расчёт также ограничивает срок консервативным пределом 40 / 37 / 35 лет в зависимости от возраста и предполагает отсутствие других кредитных платежей. Банк может установить более короткий срок; оценка объекта и профиль заёмщика тоже влияют на результат.
Расчёт предварительный и не является банковским предложением или одобрением. Ставка, кредитная нагрузка, доля финансирования и срок — допущения, которые можно посмотреть и изменить в блоке «Как посчитано». Здесь не включены налоги при покупке, комиссии и страховки; фактическая стоимость кредита и доступная сумма зависят от банка, оценки объекта и профиля заёмщиков.
Understand your budget before choosing a property
The bank considers more than the property price: your income and its source, the borrowers’ ages, existing commitments and available funds. We collect your details once and submit the application to suitable banks.
A preliminary assessment does not commit you to a loan.It helps you understand a realistic purchase range and compare terms before signing a contract for a property.
WHAT WE HANDLE
One point of contact instead of several banks
Compare the terms side by side and understand what affects the decision without explaining your situation afresh to every bank.
01
Review your starting position
Income, tax residence, available funds, existing commitments and target budget.
02
Prepare the documents
We provide a tailored list and check that the pack is complete before submission to avoid unnecessary delays.
03
Compare offers
We look beyond the interest rate at the APR (TAEG), insurance, fees, term and total cost of credit.
04
Coordinate through to completion
We connect the bank, valuer, agent and notary, keeping track of the next step and the deadlines.
Svetlana Bestuzheva
Mortgage support specialist
“I will help you gather documents, understand bank offers and navigate every step through to completion. My aim is to make the terms clear and be there throughout the process.”
FROM QUESTIONS TO AN APPLICATION
Ready to take the next step?
Leave your contact details. I will answer your questions and explain which documents you need for your situation.
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RECENT SIMULATIONS · 2026
What the figures can look like
Three examples from our work show a range of parameters. These are not a public offer: the bank confirms your personal terms in a simulation and the FINE.
↔
Parameter
Case 01
Case 02*
Case 03
Borrower’s annual income
€15 000
€72 000
€36 000
Property price
€278 500
€450 000
€400 000
Down payment
30%
0%*
30%
Loan amount
€195 000
€450 000
€265 000
Borrower’s age
37 + 31
34 + 34
36
Loan term
360 months
396 months
420 months
Effective rate
5,1%
4,4%
5,4%
Monthly payment
€853
€1 700
€1 036
Cost of credit
€378 335
€853 953
€594 728
* An individual simulation with special terms. Financing with no down payment is not standard; eligibility depends on the specific programme and the bank’s decision.
YOUR PERSONAL ESTIMATE
Want to know how much a bank might approve for you?
Just leave an enquiry. We will review your income, available funds and purchase plans to begin a preliminary assessment. The bank makes the final decision.
Discuss my budget
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YOUR PATH TO COMPLETION
What happens after you enquire
From the first document pack to signing, each stage has a clear outcome. Timing and the order of individual steps depend on the bank, the documents and the chosen property; some steps may run in parallel.
Preliminary borrower approval is not final approval of a mortgage for a specific property.
STEP 01
Documents and application
We review your income, commitments and available funds. We check the documents and send the application to partner banks.
Outcome: the application is under review and any missing documents are identified.
STEP 02
Simulations and preliminary approval
We compare offers and obtain a preliminary decision on the borrower. We explain each option’s terms and limitations.
Outcome: a preliminary purchase budget and the terms still to be confirmed.
STEP 03
Account and bank checks
We agree with the selected bank what is needed for the account, identity checks and proof of the source of funds. This step may start earlier if necessary.
Outcome: the bank’s requirements for the account and client documents are met.
STEP 04
Property selection and CPCV
We check that the selected property fits the budget. Before signing the promissory purchase agreement (CPCV), we agree the financing timeline; a lawyer reviews the deposit terms and any condition tied to the bank’s decision.
Outcome: a property is selected, with the promissory agreement’s terms and timing understood.
STEP 05
Property checks and valuation
We submit the property documents. The bank checks the property and orders a valuation, which also affects the available loan amount.
Outcome: the valuation result and the bank’s decision on financing the specific property.
STEP 06
Insurance and final terms
We compare insurance cover, cost and its effect on the loan terms. We review the FINE, which sets out the approved terms, and the draft loan agreement.
Outcome: agreed insurance, a clear monthly payment and a list of costs.
STEP 07
Signing and completion
After the required reflection period, we coordinate the bank and other parties and check that documents and funds are ready for signing.
Outcome: the mortgage and property purchase are completed.
PREPARE TO APPLY
Which documents do you need in your situation?
Start with the common documents, then choose your source of income. This is a preparation guide: we will confirm your personal list with the bank, taking account of your income country and status.
Common documents
Passport or other identity document, NIF and proof of residence status, if applicable.
Proof of your current address.
Tax return and tax assessment, or equivalent documents from the country where you are taxed.
Bank statements and details of existing credit commitments.
Proof of funds for the deposit and transaction costs and, if requested by the bank, their source.
I am employed
Employment contract or an employer’s letter confirming the terms of employment.
Payslips for the period requested by the bank.
Statements for the account into which your salary is paid.
The bank assesses contract type, length of employment and income stability alongside the borrower’s other information.
I am self-employed or run a business
Proof of business registration, such as an início de atividade declaration or an equivalent document from another country.
Tax filings, invoices or recibos verdes.
Client contracts and bank statements showing income received.
If needed, turnover summaries and additional accounts.
The income evidence period and required accounts depend on the bank and type of activity.
Rental or dividend income
For rent: tenancy agreements, tax documents and statements showing rent payments.
For dividends: company records of payments, tax documents and bank statements.
These sources may count as additional income; the bank decides whether and to what extent to include them.
Documents are collected for each borrower. Marriage details and a spouse’s documents may be needed depending on the circumstances. We confirm language, certified translation and statement period requirements before preparing the pack; the bank may request more information.
If you cannot find an answer to your question, please contact us. We will be happy to help.
Can I get a mortgage in Portugal as a non-resident?
Yes. Your residency status does not directly determine the bank’s decision. What matters most is the source and amount of your income. Income from Russia, Belarus and Ukraine is not accepted for mortgage applications.
Conditions for non-residents to obtain a mortgage in Portugal
Banks generally require a higher down payment from non-residents. It is advisable to have at least 20% of your own funds, and preferably 25–30%. Rates for non-residents are slightly higher.
What documents does a non-resident need to get a mortgage in Portugal?
For preliminary approval, you generally need a Portuguese tax number (NIF, obtainable online), last year’s tax return translated into English or Portuguese, bank statements for the past six months, and proof of income for the same period. Banks may request additional documents later.
How long does it take to get a mortgage in Portugal?
The process from submitting documents to signing the deed usually takes one to two months.
Additional costs for obtaining a mortgage in Portugal.
The bank sets out all fees, taxes and insurance costs in the loan simulation; terms vary between banks. Stamp duty on the loan is 0.6% of the borrowed amount. Bank fees may apply when the loan is issued (typically €1,000–€1,500), as well as mandatory insurance (indicatively around €150 per month for two borrowers or €100 per month for one).
What are the mortgage rates in Portugal in 2026?
According to INE, the average implicit interest rate on recently signed housing-loan agreements was around 2.9% in summer 2026. This is market data, not an offer from a particular bank or an APR (TAEG). Your individual terms will be shown in the lender’s simulation and FINE.
Can you get a mortgage without a deposit in Portugal?
Portugal introduced a state guarantee scheme in 2024 for housing loans to people aged 18–35 buying their first permanent home and meeting the eligibility criteria. The state can guarantee up to 15% of the initial loan amount, allowing the bank to finance 85–100% of the transaction value. By the end of June 2026, 40,100 loans totalling €8.3 billion had been signed under the scheme since its launch.
The scheme is not limited by nationality; Portuguese tax residency is one of the main requirements. Участие в программе не ограничено гражданством: одним из основных требований является налоговое резидентство в Португалии.
How does the borrowers’ age affect the loan term?
Age affects the available term: the bank considers age at application and at the end of the loan. For joint borrowers, each person’s age and the selected bank’s rules matter. All else equal, a shorter term raises the monthly payment, so we consider the term alongside the loan amount and affordable commitments.
What if I plan to sell the property or repay the loan early?
Tell us before choosing an offer. We will check the terms for partial and full early repayment, any applicable fee, notice periods and costs of closing the loan. With a mixed rate, conditions may differ between the fixed and variable periods. Before repayment, we will ask the bank for a calculation for the relevant date; a sale must be coordinated with repayment and release of the mortgage.
How much do ARR’s credit intermediary services cost?
ARR’s tied credit intermediary service is free for clients. The partner bank pays our fee; bank charges and other loan costs still apply.
LET’S START WITH YOUR SITUATION
Would you like to apply for a mortgage?
It is completely free and does not commit you to anything. Leave your contact details so we can discuss your situation and suggest where to start.
Send an enquiry
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