Mortgage Process in Portugal

We guide you for free through the mortgage process. Join over hundreds of non-residents and expats who have been able to secure the best mortgage deals in Portugal.

1. Get Your Free Mortgage Simulation

All we need is minimal information for the free simulation, i.e. purchase price, deposit, DOB, loan term, loan amount.

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2. Document Preparation & Affordability Check

If happy with the simulation we will send you a list of documents required the bank such as, passport, fiscal number in Portugal (obtained by your Portuguese lawyer or request a link from us), declaration from your employer, tax returns including (P60) credit report from your country; and other documents required which will be sent to you with the simulation. Once we have all the documents, we will look at affordability before we submit to the bank.

3. Securing Necessary Property Documents

We will chase your estate agent/lawyer for all relevant property documents required when submitting your application

4. Navigating Mortgage Approval & Valuation

After the Mortgage is approved (approx. 1-2 weeks) we will help open the bank account so the bank can request the valuation of the property

5. Final Approval & Preparing for Completion

If happy with the valuation the bank will send you the approval letters to sign so you are ready for completion (you can complete after 10 days once all property documents are in order)

6. Supporting You Through to Completion

We will be there with you until you complete on the property.

Ready to Start Your Property Journey in Portugal?

Let us handle the mortgage complexities so you can focus on finding your perfect place out in the sun. Get a free, no-obligation assessment of your borrowing potential today.

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