Mortgages in Portugal if you have a D7 visa or remote income

People often search for a mortgage at the same time as they plan a move to Portugal. This page explains only the mortgage side of that picture.

We are not immigration lawyers or tax advisers. Visa categories, thresholds, and rules change — check official sources (e.g. AIMA and your consulate) for whether you qualify for a visa or residence permit. We arrange mortgages with Portuguese banks and explain what those banks usually ask for.

Do banks lend to people with a D7 or similar residence permit?

Yes. Portuguese banks lend to residents and non-residents depending on your profile, income, and the property. Holding a valid residence permit (including routes commonly used by remote workers, digital nomads, or passive-income applicants) can be part of your file, but the bank’s decision is not based on the visa name alone — it is based on affordability, documentation, and credit policy.

What matters for the mortgage is:

Proof of income (employment, self-employment, pensions, dividends, etc.) in a form the bank accepts.
Affordability — your debts plus the new mortgage payment must fit within the limits the bank uses.
NIF and bank account when the bank requires them for the loan — we do not provide NIF or tax services; your lawyer or accountant can help.

Is it different from a “standard” expat mortgage?

Often not in substance. The same bank teams that handle non-resident or foreign-income cases will look at the same building blocks: income stability, loan-to-value, property type, and valuation. If your income is earned abroad or in foreign currency, see also our guide on foreign income and mortgages.

What we do as your mortgage broker

Compare offers from major Portuguese banks that fit your loan size and property.
Help you prepare the mortgage application and follow up with the bank.
Explain terms in plain English from simulation through to completion.

We do not give visa, tax, or NHR advice. We do not promise a specific rate or approval — that is always for the bank to decide.