Question Mark concept with hand on blue background

Can I Get a Mortgage for Portugal’s Golden Visa?

Portugal’s golden visa is an extremely tempting way to obtain residency in Portugal. In return for purchasing a property in Portugal (qualifying prices start at €280,000 but are typically €500,000 or more) those from outside the EU, EEA, and Switzerland can obtain residency in Portugal. But one question many people have is whether or not you can get a mortgage to buy that golden visa property.  According to Camille Ramiere from Bloom Spaces, “golden visa

Mortgage advisor speaking to a couple in his office

All You Need to Know About Mortgage Interest Rates in Portugal

Having a home in Portugal can be an excellent investment, both financially and in terms of quality of life, but interest rates make a difference. When interest rates are low, your monthly payments are likely to be lower and you may be able to borrow more. But when interest rates are high, your monthly payments go up while your affordability goes down.  For most banks, interest rates for variable mortgages are calculated by taking the

Man in white t-shirt trying to calculate his mortgage costs with a calculator

Portugal Mortgage Calculator: Check How Much You Could Borrow

Are you thinking about purchasing a property in Portugal but are confused about how much you’re able to borrow? Buying a property in Portugal can be confusing, but don’t worry: Portugalist is here to help. Use our mortgage calculator below to estimate: *This part of the process requires more information. A mortgage broker will get in touch to discuss your income and expenses in order to calculate how much you’re able to borrow. Why We

Mortgage broker with a young couple

5 Reasons to Use A Mortgage Broker in Portugal

You don’t have to use a mortgage broker to get a mortgage in Portugal – you could apply in any bank in Portugal – but it often makes more sense for people, particularly foreigners, to use a mortgage broker. Here’s why.  It Saves a Lot of Time Applying for mortgages can be a time-consuming process. And that’s particularly true if you’re a foreigner as most comparison websites are only available in Portuguese.  Going from bank

Apartment for sale

Can I get a Buy-to-Let Mortgage in Portugal?

While most people buying property in Portugal buy for themselves, either as a main residence or a holiday home, many buy with the intention of renting that property out, either to long-term renters or to short-term holiday-makers. And, unless you’re in the lucky position to have savings to cover the purchase, it’s quite likely you’ll need a mortgage.  Getting a mortgage in Portugal is possible, regardless of whether you live there (resident) or not (non-resident),

Apartment for sale Lisbon

An apartment for sale in Lisbon

How to Get a Mortgage in Portugal as a Foreigner

You’ve found that perfect property in Portugal. It could be an apartment in Lisbon, a villa in the Algarve, a ruin on the Silver Coast, or a cottage on a remote island of the Azores. Either way, it’s perfect. Now you just need to get a mortgage (called a hipoteca or crédito habitação in Portuguese).  Even if you live abroad, you’ll probably need to get this through a Portuguese bank. That may seem daunting, but