Mortgage Broker Services in Portugal

English‑speaking brokers helping expats and non‑residents secure competitive Portuguese mortgages. Compare banks, get pre‑approved in days, and complete with confidence.

Our Core Services

We focus on bottom‑line results: approvals and completions. Whether you need an investment mortgage, are building or renovating, or want to refinance an existing loan, we streamline the process from paperwork to bank approval to completion.

Mortgages for Expats & Non-Residents in Portugal

Mortgages for Expats & Non-Residents

Fixed, variable and mixed-rate options up to 70–80% LTV depending on profile and lender. We compare banks and secure the best terms for international buyers.

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Buy-to-Let Mortgages (Investment) in Portugal

Buy-to-Let Mortgages (Investment)

Investment-focused mortgages for rental properties in Lisbon, Porto, Algarve and beyond. We help model yields, stress tests and DSCR requirements.

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Construction & Renovation Loans in Portugal

Construction & Renovation Loans

Stage‑released financing for self‑builds and refurbishments. We structure budgets, valuations and drawdowns to keep projects on track.

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Refinance & Mortgage Transfer in Portugal

Refinance & Mortgage Transfer

Reduce your rate or move to a better product with a free mortgage transfer where applicable. We negotiate early‑repayment penalties and costs.

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Equity Release in Portugal

Equity Release

Unlock property equity in Portugal for renovations, investments or liquidity—while keeping repayments efficient for non‑resident profiles.

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Mortgage Pre-Approvals in Portugal

Mortgage Pre-Approvals

Get pre‑approved so you can shop with confidence and make offers fast. Typical turnaround 2–5 working days once documents are in order.

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Why choose Portugal Mortgage Brokers

  • Bank comparisons across leading Portuguese lenders (not tied to a single bank)
  • Pre‑approvals usually within 2–5 business days
  • Transparent, English‑first communication end‑to‑end
  • No brokerage fee — we’re paid by the bank
  • Specialist support for US, UK and non‑EU buyers

Rates, LTVs and Eligibility at a Glance

Loan‑to‑Value

Up to 70–80% depending on residency, income and lender.

Products

Fixed, variable and mixed‑rate options available.

Time to Approval

Pre‑approvals in days; full approvals typically 4–8 weeks.

Actual terms depend on profile, documentation and property type. We optimise applications to secure the best possible outcome for your situation.

Who we help

Expats & Non‑Residents

US, UK, EU and international buyers securing Portuguese mortgages for primary, secondary or investment properties.

Property Investors

Buy‑to‑let and short‑let strategies in Lisbon, Porto and the Algarve. We model yields, DSCR and interest‑coverage.

What our clients are saying

Verified reviews from Google and Trustpilot

4.7/5 • 28 reviews
GoogleTrustpilot
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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.

Portuguese Mortgage FAQs

What deposit do non‑residents need?

Typically 20–40% depending on lender and profile. We’ll advise the most likely LTV before you begin.

How fast can I get pre‑approved?

Usually within 2–5 business days once documents are in.

Do you charge clients a fee?

No. Portuguese banks compensate brokers directly.

Can Americans and UK citizens get mortgages in Portugal?

Yes. We work with lenders comfortable with US and UK profiles and documentation requirements.

Get your free mortgage consultation

No obligation. We’ll review your profile, estimate your likely LTV and rate, and outline the fastest path to approval.

Get your free mortgage consultation