Mortgage Solutions for Private Clients
Bespoke financing for high-value properties and complex income structures. We operate with the discretion, speed, and capability that high-net-worth individuals expect.
Financing Portugal’s Finest Properties
Acquiring luxury real estate in Portugal often requires a level of financial sophistication that standard retail banking cannot provide.
Whether you are looking at a villa in the Golden Triangle, a penthouse in Lisbon, or an estate in Comporta, standard "computer-says-no" algorithms rarely capture the full picture of your wealth.
High-Value Mortgages (>€1M)
We access specific "Jumbo" mortgage products and private banking divisions that can offer bespoke terms for high-value acquisitions, often with LTVs that retail branches cannot sanction.
- Interest-only options available
- Asset-backed lending (Lombard)
Complex Income Structures
If your wealth is held in trusts, dividends, offshore structures, or multiple currencies, we present your case to credit committees that understand global wealth, moving beyond simple payslip analysis.
- Foreign currency income (USD/GBP/CHF)
- Holding companies & Trusts
The "Private Office" Approach
We act as your dedicated financing partner in Portugal. From the initial search to the final deed, we manage the banking relationships so you can focus on your life.
Direct Access
We bypass the branch network and speak directly to headquarters and private banking directors.
Cross-Border Expertise
We coordinate with your tax advisors and lawyers to ensure your financing fits your global strategy.
Total Discretion
Your financial details are handled with the utmost confidentiality and data security.
Ready to discuss your requirements?
Book a confidential consultation with our Senior Broker.
Connect with our TeamFrequency 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
Yes you need a NIF to apply for a mortgage and open a bank account. First step is to be approved for the mortgage, it is only after the approval the bank account is opened.