For English-Speaking Expats & Non-Residents

Secure Your Best Mortgage Rate in Portugal. Zero Stress. Zero Fees.

Buying property in Portugal shouldn't mean navigating banks in a foreign language or chasing paperwork across time zones. Since 2014, we've helped 400+ clients from abroad secure mortgages, with zero fees and zero stress.

Buying a Home or Holiday Property?

Whether you're relocating to Portugal or buying a vacation home, getting a mortgage shouldn't be stressful.

  • Access to all major banks
  • Zero fees for our service
See the Mortgage Process

Buying a High-Value Property?

Experienced with larger loans across Portugal. We work with all major Portuguese banks and manage the mortgage process for you.

  • Larger loans with Portuguese banks
  • Same zero-fee broker service
Visit Private Clients

Don't Let Bureaucracy Kill Your Portuguese Dream

Finding a property is hard enough. Dealing with Portuguese banks, complex paperwork, and language barriers shouldn't be.

The Complexity

Banks often require many documents per application. One missing signature, expired document, or mistranslated paper can mean instant rejection.

  • Many Documents per application
  • Strict compliance requirements
  • Instant rejection for errors
Errors Found

The Uncertainty

Hidden spreads, obscure insurance costs, and unclear variable rates. Without an expert review, you might sign a deal that costs you thousands more in the long run.

  • Hidden spread costs
  • Obscure insurance requirements
  • Unclear variable rates
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The Time Sink

Navigating the system in a foreign language can take months. Email chains that go nowhere, unreturned calls, and confusing bank hours can delay your purchase indefinitely.

  • Language barriers
  • Unresponsive communication
  • Indefinite delays
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The Solution

We handle the entire banking process for you. From document collection to negotiation, we secure the best terms with zero stress and zero fees.

  • End-to-end management
  • Best market rates negotiated
  • Zero fees, zero stress

Mortgage Approved

Ready for Signature

RateBest Market
Broker Fee€0.00
The Process

Your Roadmap to a Portuguese Home

We've refined this process over 10 years to be as simple, transparent, and stress-free as possible. No hidden fees, no surprises.

Step 1

Free Mortgage Simulation

Simulations come direct for the bank so figures are accurate, the simulation will show you the interest rate, monthly repayments, bank charges etc.
Step 2

Documents required

  • Copy of Passports
  • Copy of Portuguese Fiscal numbers
  • Annual salary statement and Full Tax Returns 3 years
  • Last 3 months payslips
  • Contract from your employer and declaration
  • Last 3 years audited accounts (if self employed)
  • Full Credit Report (with scoring)
  • Proof of residence (utility bill etc)
Step 3

Bank Account

We will help open the bank once your mortgage has been approved as the bank account must be with the same bank.
Step 4

Property

Once you have the approval, we coordinate with your lawyer, the bank and real estate (if one is involved), so the valuation is carried out with all the correct updated property documents.
Step 5

Valuation

The report will be issued only to you, you want to ensure the valuation comes in around the purchase price as the bank only lends on the lower figure.
Step 6

Completion & The Deed

We will coordinate with your lawyer and the bank to schedule deed/completion making sure that all documents are available and all funds are in place. We will also help co-ordinate the date and location of the deed between bank and lawyers.

Ready to start your journey?

Get a free quote today
Our Services

Mortgage Services

Whether you're buying a home, a holiday property, or an investment, we handle the entire mortgage process with all major Portuguese banks.

Mortgages for Expats & Non-Residents

We compare all major Portuguese banks to find the right mortgage for your profile. Whether you're buying a primary home, holiday property, or investment, we handle the entire process.

Access to all major Portuguese banks
English-speaking support throughout
Remote application process available
We compare offers and explain them in plain English
Learn more

Investment Mortgages

Mortgages for rental and investment properties across Portugal. We compare all major banks to find the best terms for your investment.

Access to all major Portuguese banks
Mortgages for rental and investment property
Full application managed for you
English-speaking support throughout
Learn more

Construction & Renovation Loans

Stage-released financing for self-builds and renovations. We structure the application and manage drawdowns to keep your project moving.

Stage payments matched to build progress
Guidance on the documentation banks need
Full application managed for you
English-speaking support throughout
Learn more

Mortgage Transfers for a Better Rate

Already have a mortgage in Portugal? We can help you switch to a better rate with another bank. Free service, we handle everything.

Lower monthly payments when a better rate is available
Compare switch offers across Portuguese banks
Full transfer process managed for you
Free service — no fee to you
Learn more

Equity Release

Unlock equity from your Portuguese property for renovations or other purposes while keeping repayments manageable.

Access capital tied up in your Portuguese property
Options from major Portuguese banks
Flexible repayment terms where available
Full application managed for you
Learn more

Mortgage Pre-Approvals

Get pre-approved before you start property hunting so you know your budget and can move quickly when you find the right property.

Know your budget before you make an offer
Move quickly when you find a property
Faster final approval once a property is found
No obligation
Learn more

What some of our 400+ happy homeowners say

Verified reviews from Google and Trustpilot

4.7/ 5 • 28 reviews
Google
J

JC

I would highly recommend Portugal Mortgage Brokers. Throughout the entire mortgage process, they were extremely professional, responsive, and helpful. They did everything that was asked—and more—providing clear and detailed explanations at every stage to ensure I fully understood each step. One of the most reassuring aspects of working with Portugal Mortgage Brokers was their commitment to keeping me updated. Their regular communication and proactive approach made what could have been a stressful experience much smoother and easier to manage. Most importantly, they successfully secured the mortgage and got it over the line, which was the ultimate goal. I'm very grateful for their hard work and would not hesitate to recommend them to anyone looking for expert mortgage advice and reliable support.

E

Eoin

I had the pleasure of dealing with Anita on a complex purchase in Vilamoura. She brought huge value and experience to the process, helping us navigate the buying process and supporting us to find the right financial instrument for our purchase. She understands the market, has vast knowledge of the financial products available and the process required to secure finance. She was also able to advise and connect us with ancillary services, for example, connecting with a great local lawyer…….all that wrapped in the fact that she was an absolute pleasure to deal with. She is a great communicator, is top of her game, not to mention a wonderfully warm and engaging individual. i cannot recommend her highly enough……thanks Anita.

EL

Elmo and Lynne

If you are looking for a mortgage in Portugal and had a chance to work with Anita Pathak, DON'T miss the opportunity. She will be on top of the mortgage process and ask you for whatever she will need to get it done and deliver as promised. As a former Mortgage Broker, I can tell you that it is rare to find someone like her who not only knows the available mortgage options and the entire process she also has very good relationships with contacts inside the banks to get it done to satisfy her clients.

RR

Rebecca Round

Anita has now helped me secure two mortgages, and I honestly wouldn't go to anyone else. The first time, she found us a significantly better rate than any other broker I'd spoken to. The second time, I went directly to my bank and was declined — but Anita not only got me a mortgage, she got it from the same bank that had turned me down! She's incredibly organised, keeps the whole process smooth, and knows her stuff. Huge thank you, Anita!

BT

Brian Tredinnick

Simply put: Use Anita's service. She is absolutely fantastic! When researching the process of purchasing a property in Portugal, it can be overwhelming. But upon contacting Anita, 90% of the stress related to purchasing disappeared. And virtually all of the effort. Her professionalism, friendliness, competence, and in my case, patience, shone through throughout the process. I cannot recommend her highly enough!

AB

Anu B

As a first-time homebuyer, I can't recommend Anita enough. Before finding her through a recommendation, I'd contacted a few different banks. Anita truly simplified what could have been a complex process, guiding me seamlessly from exploring various rates all the way through to getting my mortgage funded. If I ever buy another home, she'll be my first call.

Frequency Asked Questions

Common questions about getting a mortgage in Portugal as a non-resident.

To reach an approval it takes between 1-3 weeks subject to the loan amount. Once approved the bank account can be opened and a valuation requested.

Up to 80% of the purchase can be obtained subject to affordability.

Yes. Portuguese banks actively lend to US citizens.

Depends on which bank we approach as some banks have offices in countries worldwide who certify the information. Otherwise you maybe be asked to translate documents.

You will need to provide 3 years tax returns, which will show salary, dividends and they will also consider rental income. If you have a company you also need to provide 3 years company accounts

Banks normally require a Portuguese tax number (NIF) and a local account for the mortgage. We do not provide NIF or tax services — your lawyer or accountant can help with that. We focus on your mortgage: once a bank approves you, the account is opened as part of that process.

Ready to start your property journey?

Let us handle the mortgage complexities so you can focus on finding your perfect place out in the sun.

Get your free consultation