News and guides on mortgages in Portugal

Portuguese banks lend to US citizens who earn their income in the United States, and you do not need to live in Portugal to get a mortgage. What changes is how the bank looks at your income: it is in dollars, it is taxed in the US, and the bank

How Portuguese Banks Assess Your US Income Dollar income is accepted. Here is what banks actually look at. “Will a Portuguese bank accept my dollar income?” is the first question most American buyers ask us. The short answer is yes. Income in US dollars is accepted, as long as it

The European Central Bank left its rates unchanged on 29 October 2026: the deposit rate stays at 2.50%, after two increases in June and September. For a Portuguese mortgage, what matters most is Euribor, and Euribor is still rising. Here is what it means for your mortgage until the next

Portuguese banks ask non-residents for more documents than residents, because they have to check income earned abroad. A complete file from the start is what saves the most time: it is often the difference between a pre-approval in one week and one in a month. Here is the list, by

When you compare Portuguese mortgage offers, the first choice is the type of rate. It shapes your monthly payment for years, so it deserves more thought than the headline rate. Variable rate Your rate is Euribor (usually 6 or 12 months) plus a fixed spread negotiated with the bank. The

From the first meeting to receiving the keys: how your project unfolds step-by-step Getting a mortgage in Portugal follows a precise path made up of administrative and banking steps that can seem complex from the outside. With a broker by your side, this journey becomes much simpler: every step is

In Portugal, the asking price is not the final cost. You need to add taxes and fees that usually come to 5 to 6% of the price for a resident, and close to 10% for a non-resident. These amounts are not financed by the bank: they come on top of

More Americans are buying homes in Lisbon, Porto and the Algarve, and most of them start with the same doubts about financing. Here are the five myths we hear most often, and what actually happens. Myth 1: “I need to live in Portugal to get a mortgage” No. Portuguese banks

Portugal’s draft 2027 State Budget (OE2027), submitted to Parliament on 8 October, says the public guarantee for first-home buyers aged 35 or under will continue next year, along with the IMT and stamp duty exemptions. It is good news, but not yet a final decision. Here is what we know,

The complete guide to understanding what a broker really changes in your buying project in Portugal. Buying a property in Portugal is an exciting project, but it’s also a technical, administrative, and banking journey that can quickly become complex, especially if you’re a non-resident, an expat, or simply unfamiliar with

DSTI in Portugal: Banco de Portugal lowers the maximum debt ratio from 50% to 45% What’s changing and what it means for your property project On July 2, 2026, Banco de Portugal announced a revision of its Macroprudential Recommendation applicable to new mortgage and consumer credit. At the heart of

The Portuguese real estate market is evolving. Under Decreto-Lei n.° 97/2026, which was published on 20 May and has applied since 25 May 2026, Portugal introduced a flat 7.5% IMT rate for non-resident buyers acquiring urban residential property. For anyone looking to buy a home in Portugal as a non-resident

The Portuguese government has approved one of the most significant housing tax reforms in recent years. By reducing construction taxes, encouraging long-term rentals and introducing new incentives for housing investment, the measures aim to tackle the country’s housing shortage while maintaining Portugal’s attractiveness to domestic and international buyers. Portugal’s housing