RealEstate Abroad
Property Financing

Portugal Mortgages for Non-Residents

How to Get a Mortgage in Portugal as a Foreigner

Guide to Portuguese property mortgages, Golden Visa financing, and investment property loans for international buyers.

65-75%
Average LTV for Non-Residents
2.5-4.5%
Typical Interest Rates
4-8 weeks
Processing Time
78%
Success Rate
Portugal Property Financing

Portugal Mortgage Market Overview

Portugal offers attractive mortgage options for foreign buyers, with the added benefit of the Golden Visa program. Portuguese banks are experienced with international clients and offer competitive rates, especially for Golden Visa investors.

Mortgage Market Trends in Portugal

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LTV Ratio

Up to 70%

Processing Time

4-8 weeks

Foreign Friendly

Yes

Competitive mortgage rates and terms available for international buyers seeking property financing.

How to Get a Mortgage in Portugal

Portuguese banks offer competitive mortgage products for non-residents, with special programs for Golden Visa applicants.

Advantages

  • ✓Competitive rates from 3.2%
  • ✓Up to 70% LTV for non-residents
  • ✓30-year terms available
  • ✓Golden Visa program benefits
  • ✓English-speaking service

Considerations

  • ✗Complex documentation
  • ✗Slow approval process
  • ✗Currency exchange risks
  • ✗Higher rates for non-residents
  • ✗Strict income verification

Portugal Mortgage Requirements for Foreigners

  • 1
    NIF number (tax identification)
  • 2
    Proof of income
  • 3
    Bank statements (6 months)
  • 4
    Property valuation
  • 5
    Life insurance
  • 6
    Portuguese bank account

Calculate Your Mortgage

Use our interactive mortgage calculator to estimate your monthly payments for a property in Portugal.

Mortgage Calculator

€250,000
€75,000

Mortgage Summary

Loan Amount:€175,000
Monthly Payment:€0
Total Payment:€0
Total Interest:€0
Loan Breakdown
Principal (Infinity%)Interest (NaN%)

Financing Tip

Your down payment of 20% or more typically qualifies you for the best available rates.

Popular Lenders in Portugal

Millennium BCP

Millennium BCP

Portugal's largest bank with specialized Golden Visa mortgage products.

Interest Rates:From 4.0% fixed, Euribor + 2.5% variable
Max LTV:80% for residents, 70% for non-residents
Fees:1-1.5% arrangement fee

Financing Consultation

Get personalized mortgage advice for Portugal

Our mortgage specialists can help you navigate financing options in Portugal and connect you with trusted local lenders.

Related Tools

Download Resources

Mortgage Guide

PDF, 3.5MB

Foreign Buyer Checklist

PDF, 1.2MB

Interest Rate Comparison

PDF, 0.8MB

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