Fixed, mixed or variable rate in Portugal: how to choose
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 payment is revised at each […]
The Steps to Getting a Mortgage in Portugal with a Broker
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 structured, explained, and managed for […]
Property purchase costs in Portugal in 2026: how much to budget on top of the price
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 your down payment. 1. IMT, […]
Getting a mortgage in Portugal as an American: 5 myths
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 finance non-residents. You can buy […]
Portugal’s public guarantee for young buyers in 2027: what the OE2027 says
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, and what it means if […]
Why work with a mortgage broker for your property purchase in Portugal?
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 the Portuguese banking system. Between […]
Portugal’s public guarantee soon to be over ?
Update, 10 October 2026: Portugal’s draft 2027 State Budget plans to keep the public guarantee for young buyers. Read what the OE2027 says and what still needs to be approved. Portugal’s public guarantee for young buyers ends December 31, 2026: here’s what you need to know before it’s too late. What does the end of […]
DSTI: Portugal lowers debt ratio from 50% to 45%
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 this revision: a reduction of […]
New 7.5% IMT Law in Portugal: What Changes for Non-Resident Buyers?
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 — whether it is a […]
Portugal’s New Housing Tax Package: A Major Shift for Property Buyers, Investors and Developers
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 market has spent much of […]
