Mortgage Guide for Portugal — Home Loans for Foreign Buyers
Complete guide to obtaining a Portuguese mortgage: eligibility requirements, interest rates, documentation, and the step-by-step application process for non-residents.
Key Topics
- Euribor-based variable rates and fixed-rate options
- LTV limits: up to 90% for residents, 80% for non-residents
- DSTI (Debt Service to Income) maximum of 35–40%
- Required documents: NIF, income proof, tax returns, bank statements
- Portuguese mortgage banks: Millennium BCP, Caixa Geral, Santander, BPI