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.
Navigating the Portuguese mortgage market as a non-resident can be complex. We simplify the process, offering tailored solutions that cater to the unique financial profiles of expats. Whether you are looking for a holiday home or a permanent residence, we have the expertise to guide you through every step.
Key Benefits
- Access to exclusive non-resident rates
- Guidance on tax implications and NIF
- Remote application process available
- Multilingual support throughout
Our Process
Initial Consultation
Document Collection & Pre-Approval
Bank Application & Negotiation
Valuation & Final Offer
Completion & Deed Signing
Start Your Application Today
Our experts are ready to guide you through the process and secure the best possible terms for your mortgages for expats & non-residents.
Other Services You Might Need
Investment Mortgages
Investment-focused mortgages for rental properties in Lisbon, Porto, Algarve and beyond. We help model yields, stress tests and DSCR requirements.
Construction & Renovation Loans
Stage‑released financing for self‑builds and refurbishments. We structure budgets, valuations and drawdowns to keep projects on track.
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.
Equity Release
Unlock property equity in Portugal for renovations, investments or liquidity—while keeping repayments efficient for non‑resident profiles.
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.