For English-Speaking Expats & Non-Residents

Complete Portuguese Mortgage Process

Navigate the process with confidence. Join over 400+ successful clients from the US, UK, and beyond who have achieved their property dreams.

Get Your Free Simulation

Your 6-Step Roadmap

From initial simulation to getting your keys.

Your 6-Step Roadmap

Scroll to explore the journey.

Step 1

Free Mortgage Simulation

Simulations come direct for the bank so figures are accurate, the simulation will show you the interest rate, monthly repayments, bank charges etc.

Step 2

Documents required

Copy of Passports
Copy of Portuguese Fiscal numbers
Annual salary statement and Full Tax Returns 3 years
Last 3 months payslips
Contract from your employer and declaration
Last 3 years audited accounts (if self employed):
Full Credit Report (with scoring)
Proof of residence (utility bill etc)

Step 3

Bank Account

We will help open the bank once your mortgage has been approved as the bank account must be with the same bank.

Step 4

Property

Once you have the approval, we coordinate with your lawyer, the bank and real estate (if one is involved), so the valuation is carried out with all the correct updated property documents.

Step 5

Valuation

The report will be issued only to you, you want to ensure the valuation comes in around the purchase price as the bank only lends on the lower figure.

Step 6

Completion & The Deed

We will coordinate with your lawyer and the bank to schedule deed/completion making sure that all documents are available and all funds are in place. We will also help co-ordinate the date and location of the deed between bank and lawyers.

Start Your Application Now

Helping buyers from abroad

We focus on mortgages for English-speaking buyers purchasing property in Portugal.

United States

W-2 and 1099 income accepted by the banks we work with.

United Kingdom

Post-Brexit lending rules and UK income documentation handled.

Canada

Non-resident mortgage applications for Canadian buyers.

Ireland

EU citizen advantages and Irish income documentation.

Australia

Foreign income documentation for Australian buyers.

Global

Serving clients from UAE, Singapore, Hong Kong & beyond.

Why Choose a Mortgage Broker in Portugal?

Navigating the Portuguese mortgage market on your own can be overwhelming, especially when you don't speak the language or understand local banking requirements. A dedicated mortgage broker in Portugal acts as your advocate, handling all communication with the banks, ensuring your application is complete and compliant, and ultimately saving you time, stress, and money.

At Portugal Mortgage Brokers, we provide expert mortgage advice in Portugal tailored to your situation. Whether you're looking for a first home, a holiday property, or an investment property, our experienced team guides you through every step, from your initial free simulation to signing the deed.

Competitive Mortgage Rates Across All Portuguese Banks

One of the biggest advantages of working with a mortgage broker is access to the best rates on the market. We compare mortgage offers from all major Portuguese banks, including Millennium BCP, Santander, Novo Banco, Bankinter, CGD, and more, so you always get the most competitive rate available for your profile.

Rather than approaching banks one at a time, we submit your application across all major Portuguese banks simultaneously and present you with the best offers available for your profile.

Mortgages in Portugal for Non-Residents & Foreigners

Yes, foreigners can get a mortgage in Portugal. Portuguese banks actively lend to non-residents and international buyers, typically financing up to 70-75% of the property value. Whether you're a UK citizen post-Brexit, an American expat, or relocating from anywhere in the world, the process is straightforward with the right guidance.

We focus on mortgages in Portugal for non-residents and have helped over 400 clients from abroad navigate the documentation, income verification, and banking requirements. Questions like "Can I get a mortgage in Portugal as a foreigner?" or "What documents do I need?" are exactly what we deal with every day.

Our team understands the nuances of cross-border lending, from US tax returns and W-2 income to UK self-assessment and PAYE documentation. If you're a non-resident looking for a Portuguese property mortgage, we'll match you with the right bank and ensure a smooth approval.

How to Get a Mortgage in Portugal

If you're wondering how to get a mortgage in Portugal as an international buyer, the answer is simpler than you might think. The key is preparation: having a Portuguese fiscal number (NIF), gathering income documentation, and understanding how much the banks will lend based on your profile.

The first step is to request a free mortgage simulation. We'll assess your borrowing capacity, present accurate figures directly from the bank, including interest rates, monthly repayments, and all associated charges, and give you a clear picture before you even start property hunting.

With our help, getting a mortgage in Portugal as a foreigner becomes a structured, transparent, and stress-free experience. Licensed by the Bank of Portugal since 2014, we've refined a process designed to make international lending simple.

Mortgage Brokers Across All of Portugal

Based in Lisbon, we serve clients purchasing property anywhere in Portugal. Whether you're buying an apartment in the heart of Lisbon or Porto, a villa in the Algarve, or a luxury property in some of Portugal's most sought-after destinations, we've got you covered.

Lisbon

Porto

Cascais

Algarve

Vilamoura

Quinta do Lago

Vale do Lobo

Lagos

Comporta

Silver Coast

Madeira

Sintra

From high-end resort properties in Vilamoura, Quinta do Lago, and Vale do Lobo to charming homes along the Silver Coast, our network covers every region. No matter where in Portugal you're looking to buy, our mortgage brokers will handle the entire process remotely or in person.

Frequency Asked Questions

Common questions about getting a mortgage in Portugal as a non-resident.

To reach an approval it takes between 1-3 weeks subject to the loan amount. Once approved the bank account can be opened and a valuation requested.

Up to 80% of the purchase can be obtained subject to affordability.

Yes. Portuguese banks actively lend to US citizens.

Depends on which bank we approach as some banks have offices in countries worldwide who certify the information. Otherwise you maybe be asked to translate documents.

You will need to provide 3 years tax returns, which will show salary, dividends and they will also consider rental income. If you have a company you also need to provide 3 years company accounts

Banks normally require a Portuguese tax number (NIF) and a local account for the mortgage. We do not provide NIF or tax services — your lawyer or accountant can help with that. We focus on your mortgage: once a bank approves you, the account is opened as part of that process.