Buy a house in Portugal — fast approval, best rates
We help you get a mortgage in Portugal with expert advice and financing for residents and foreigners. Our English-speaking experts guide you through the whole process.
Is it hard for foreign buyers to get a mortgage in Portugal?
Getting a mortgage in Portugal can seem complicated, especially if you’re new to the system. Foreign buyers often struggle with banking rules, high interest rates and complex paperwork, and many banks hesitate to approve mortgages for non-residents.
That’s why we’re here — to guide you through the entire process. Our team finds the best mortgage solutions so you can buy with confidence, at the best rates and stress-free. See how it works if you’re buying as a foreigner or non-resident.
Mortgage solutions for every goal
Home loan
Buying a house or apartment in Portugal? Get a tailor-made mortgage that fits your financial needs.
Financing for residents & foreigners
Whether you live in Portugal or abroad, we find the right mortgage for your needs.
Building, renovating, releasing equity or refinancing? See our other mortgage solutions →
Why buyers choose us
Saving money
Use our services at no cost — and our experts help you secure the best interest rates for your mortgage.
Saving time
An optimised credit search, from your first simulation to the final deed, streamlines the whole process.
Simplifying the process
We manage every detail so you don’t have to, ensuring a smooth and stress-free experience.
Your mortgage journey, step by step
A transparent path with clear timelines at every stage.
Initial consultation
A comprehensive discussion about your goals, financial situation and property aspirations. You meet your dedicated advisor — your single point of contact throughout the process.
Secure document collection
Clear guidance on which documents are needed and why. All information is transmitted through secure, GDPR-compliant channels (phone, WhatsApp, email, Google Meet).
Financial profile to the bank
Our team reviews your complete financial profile and prepares a comprehensive dossier, optimised to present you in the best possible light to banks.
Collect the banks’ offers
We leverage our credibility with 11+ leading Portuguese banks. Our volume and track record give us negotiating power for better rates, terms and priority processing.
Proposal presentation & selection
We present detailed proposals, clearly explaining the advantages and considerations of each. You make an informed decision based on expert guidance.
Finalization & completion
We coordinate all documentation and liaise with the bank and notary. Our representative attends the deed signing to verify every condition matches what we negotiated.
What you’ll need
- Passport & Portuguese NIF (all stakeholders)
- GDPR consent declaration (signed)
- Latest IRS statement
- 6 months of salary receipts / pay slips
- 6 months of bank statements (all accounts)
- Proof of employment / work contract
- Credit score document (Banco de Portugal, Experian, etc.)
What our clients say
★★★★★ 4,7/5 average rating
Joao, Paulo and the rest of the team have been absolutely amazing. Being a foreigner who does not speak the language, I would have been lost without them. Best of the best service you can hope for.
Had the best experience! João Almeida Gonçalves has been a tremendous help in our quest for a real estate property in Portugal. We did the whole consultation online, which worked just perfect.
João is simply the best. He was lightning-quick, delivered me a spreadsheet of options within a day, and smoothly navigated getting me to a far better financial situation.