Real Estate Financing in Portugal

Thinking about buying real estate in Portugal?
Need help with a mortgage?
Buying property as a foreigner?

The Portuguese banking system provides real estate financing up to 75% of the property value! With the right guidance, accessing real estate financing in Portugal is easier than ever. We help international clients secure the most competitive Portugal mortgage options — with personal support, streamlined processes, and expert negotiation from start to finish.

Buying property in Portugal as a foreigner is a strategic decision — for personal use, investment, or both. One of the most compelling advantages of the local market is the abundance of real estate financing in Portugal, available even to non-residents. Still, beyond finding the perfect property, securing the right Portugal mortgage is key. Our mission is to offer you personalized financial guidance and open the door to the most competitive terms on the market.

Personalized Support to Secure the Right Mortgage for You

Our expert team walks you through the entire process — from the first conversation to the final bank signature. We evaluate your financial situation, craft a tailored plan, and advocate on your behalf with lenders. Whether you're exploring how to finance property in Portugal or already comparing offers, we handle translation, meeting coordination, document preparation, and submission — so you can focus on your new home, not red tape.

Up to 75% Financing – Generous Terms for International Buyers

One of the major benefits of mortgages in Portugal is the high loan-to-value ratio available to foreign buyers. In most cases, you can receive up to 75% of the property’s value — particularly with stable income. We know which banks offer these favorable terms, how to structure your application, and what it takes to get approval.

Real Estate Financing in Portugal – With You Every Step of the Way

Key Insights into Porto’s Real Estate Market

Porto’s historic district is spotlighted by Berkshire Hathaway as a premier investment destination.

Real estate prices in Portugal have surged by approximately 40% over the past four years.

Why to buy apartment in Porto? Forecasts predict an average annual price increase of 8% over the next decade.

Forbes named Portugal the most promising country for real estate investments in 2020.

Porto ranks as the 10th best city in the world to live in (2022).

Tens of thousands of affluent immigrants from the U.S., U.K., Spain, and Brazil relocate to Porto each year.

The city has been recognized multiple times as Europe’s leading city break destination.

In 2023, Portugal achieved the second-highest growth in the EU, driven by booming tourism and exports.

For those looking to buy apartment in Porto, local banks offer property financing at competitive rates of 65%-70%.

You contribute the initial 25% down payment, and we take care of everything else. From application to negotiations and closing, we manage the entire process of securing your Portugal mortgage — ensuring you benefit from optimal terms with minimal effort. This approach is especially valuable for those buying property in Portugal as a foreigner, who may find the local system unfamiliar.

Take Advantage of Europe’s Ultra-Low Interest Rates

Portugal benefits from the low interest rate environment of the European Central Bank. This means your real estate financing in Portugal can come with significantly lower monthly payments, stronger cash flow, and a faster return on investment. If you’re from a country with high interest rates, a mortgage in Portugal could save you tens of thousands of euros over time.

A Clear Guide: How to Get a Mortgage in Portugal

Knowing how to get a mortgage in Portugal starts with understanding the documentation process. We’ll walk you through every step, providing a detailed checklist and templates for income verification, bank statements, employment contracts, and more. Each file is reviewed and refined to meet the expectations of local lenders — increasing your chance of fast approval.

To Be Clear – You Bring Just 25%
We Handle the Rest

Michael & Matisyahu property in Portugal

Imagine owning a dream property in Porto

Certified Translation of All Documents into Portuguese

Most banks require supporting documents to be submitted in Portuguese. Our professional translation team ensures every document is delivered in fluent, bank-ready Portuguese, with notarization when necessary. This adds credibility to your application from the very beginning — a key advantage for foreigners unfamiliar with local banking protocols.

Comparing Mortgage Offers from Multiple Banks

We’re not tied to one bank. Instead, we partner with a wide network of financial institutions to compare mortgages in Portugal and select the ideal one for your situation. We analyze interest rates, closing fees, prepayment penalties, insurance costs, and other variables — all to make sure your Portugal mortgage works for you, not the other way around.

Direct Access to Senior Bank Executives

Over the years, we've built strong relationships with branch managers, senior loan officers, and financial directors. This gives us the ability to present your case directly to decision-makers. It’s a powerful asset — especially when buying property in Portugal as a foreigner, or when negotiating financing for larger purchases like full-building acquisitions.

Our Uniqe Services

Success Stories:

Real Results for Our Clients

A New York investor secured a fully furnished apartment in the Ribeira district, generating a 12% annual rental yield.

A British couple acquired a charming villa overlooking the Douro River, combining a luxurious lifestyle with a steady income stream from holiday rentals.

A Brazilian entrepreneur purchased a multi-unit building in a thriving neighborhood, reaping significant appreciation within two years.

Let’s Simplify Financing!

Our Services Are Open to All Buyers - Even If You Purchased Independently

Already found your property? Purchased it through another agency? No problem. We’re happy to assist with real estate financing in Portugal, even if you didn’t buy through us. Our services are ideal for clients who want fast, efficient, and personal financial solutions. We also offer contract review, property management, and exit strategies - everything you need for long-term peace of mind.

Let’s Simplify Financing - Professionally and Personally

We’ve transformed what can be a complex process into a transparent, intelligent, and highly supportive experience. Whether you're researching how to get a mortgage in Portugal or already deep in negotiations, contact us today for a free, no-obligation consultation. Together, we’ll build a custom strategy that supports this purchase — and every future opportunity in Portugal.