Other mortgage solutions in Portugal

Already own in Portugal, building, renovating, releasing equity or investing? Beyond a standard home purchase, we arrange a range of financing — with the same English-speaking, no-cost advice.

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What else we finance

Solutions beyond a standard home purchase

Whatever your situation, here’s how each option works — and what we do to get you the right one.

Remortgage & refinancing

Already paying a mortgage in Portugal? Refinancing moves your loan to better terms — a lower interest rate, a different term, or lower life-insurance costs. Most agreements with our partner banks take just 2 to 10 days.

We compare deals across banks to cut your interest and, where it helps, adjust your loan term.
Life insurance is a big part of the cost — we can arrange it separately from the bank, often cheaper and with better cover.
We review your remaining balance first, so you only switch if it’s genuinely worth it.

Construction loan

A construction loan finances building a home from the ground up — or buying a plot and building on it — instead of purchasing a finished property. It’s structured differently from a standard mortgage.

Funds are released in stages as the build reaches each milestone, and many banks let you pay interest only on the amount drawn until completion.
On completion it typically converts into a normal mortgage.
Not every bank lends on construction — we match you to the ones that do and handle the staged drawdown and paperwork.

Home improvement loan

Financing to renovate, extend or upgrade a property — whether you already own it or are buying one that needs work. It’s secured against the home, like a mortgage.

Can be added to your existing mortgage (a top-up), built into a purchase mortgage, or arranged as a separate facility.
Commonly used for renovations, energy-efficiency upgrades or extensions.
We advise which structure works out cheapest for your situation.

Home equity line of credit (HELOC)

A home equity line of credit lets you borrow against the equity you’ve built in your home — the difference between its value and what you still owe. You draw what you need, when you need it, and pay interest only on the amount used.

Flexible: borrow, repay and redraw, rather than taking one lump sum.
Often used to fund major or uncertain expenses, consolidate debt, or release equity (what UK buyers call “equity release”).
How much is available depends on your equity, the property and your profile.

Buy-to-let & investment

A mortgage to buy a property as an investment — to rent out — rather than to live in. Lenders weigh the expected rental income alongside your own financial profile.

Deposit requirements are usually higher than for a home you’ll live in.
Suited to investors and buyers building a rental portfolio in Portugal.
We compare lenders’ appetite for investment and non-resident profiles to find the right fit.