Mortgages for high-value properties in Portugal
Larger purchases need the right bank and the right team within that bank. We know which Portuguese banks handle higher-value loans and we present your case in the strongest way possible.
Request a consultationStandard bank branches aren't built for larger loans
High-value purchases — from villas in the Golden Triangle to penthouses in Lisbon — often sit with specialist teams inside each bank. A standard branch application can miss the right desk entirely.
We go directly to the teams that handle these loans, compare the offers side by side, and manage every step of the process in English.
Handled by a senior broker
Your application is managed personally — no call centres, no hand-offs.
All major Portuguese banks compared
We submit to the banks that are right for your loan size and property type.
End-to-end on the mortgage
Documents, bank submissions, valuations, and completion — we run it all.
Free to you as the borrower
Portuguese banks pay broker commissions. You pay nothing for our service.
How it works for larger purchases
The same proven steps, tailored to higher-value loans.
Initial call
We discuss the property, your finances, and which banks are likely to be a good fit.
Documents & submission
We collect your paperwork and present it to the relevant teams at each bank.
Approval & valuation
Once approved, the bank arranges a valuation. We keep everything on track.
Completion
We coordinate with your lawyer and the bank to schedule the deed and finalise funds.
Properties we've financed
Common questions for larger purchases
If you don't see your question, get in touch — we're happy to talk it through.
There's no fixed threshold. Generally we see purchases over €750K–€1M benefit from being routed to the right team at the bank rather than a standard branch. We'll advise on the best approach for your amount.
The process is the same but the application goes to different people inside the bank. For larger loans, senior or specialist teams can offer terms that a branch wouldn't surface. We know which banks have those teams and what they look for.
Portuguese banks pay broker commissions directly. There is no fee to you as the borrower — our service is completely free to the client.
Typically 6–10 weeks from documents to completion, depending on the property, the bank, and how quickly all parties can coordinate. We've completed in as little as 6 weeks for a €3.3M purchase.
No. We are mortgage brokers only. For tax, NIFs, legal structures, or residency questions, you'll need a lawyer or accountant. We're happy to recommend people we trust if you need a referral.
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.