Many foreign buyers successfully get mortgages here, and with the right help, so can you. Whether you're relocating, purchasing a second home, or investing in real estate, Portugal offers attractive mortgage solutions for non-residents. Here's everything you need to know.
Foreign nationals from most countries can apply for a mortgage in Portugal, whether you’re an EU citizen or from outside the EU. Portuguese banks commonly provide home loans to:
Banks may request more documentation and offer slightly different terms for non-residents compared to residents.
The amount you can borrow depends on your residency status and income level. In general:
This means most foreigners will need a 20% deposit or more.
While the exact requirements vary by lender, you’ll usually need to provide:
If you're self-employed or retired, additional documents may be required to prove financial stability.
Mortgage conditions for foreigners can be flexible, especially with a good broker. Typical terms include:
Interest rates in Portugal remain competitive, particularly compared to other European countries.
Getting pre-approved for a mortgage gives you a clear idea of your budget and can speed up the buying process. Sellers are also more confident dealing with pre-approved buyers.
Applying for a mortgage in a foreign country can be challenging, especially when dealing with a new language and different financial systems.
Casa Finance, Divine Home’s trusted financing partner, is here to help.
Their team specialises in assisting international buyers through every step of the mortgage process in Portugal:
From the paperwork to negotiating the best terms with the bank, they’ve got you covered.
👉 Visit Casa Finance’s website to explore your options and speak to a mortgage expert.
Let Casa Finance guide you every step of the way — so you can focus on the exciting part: choosing your property.
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