TAN and the rate period
Check the full interest rate, whether it is fixed, variable or mixed, and when it changes. A low introductory rate is only one part of a mixed-rate loan.
NOBLE ASSETS · Property and capital in Portugal
Prepare your property purchase with a mortgage
Bring the property budget, your income and the purchase deadlines together. We will help prepare the documents and organise the legal and practical work around your financing.
Rules checked on 15 September 2026
Start with your own funds and monthly budget
Decide how much money you can put into the purchase while keeping your intended reserve. Add purchase taxes and costs, then compare the loan payment with your net household income, other loans and living expenses.
The bank valuation changes the cash you need
LTV compares the loan with the lower of the purchase price and bank valuation. The general Banco de Portugal limits are 90% for a permanent home and 80% for other purposes. A bank’s actual offer can be lower. Enter the offered loan amount in your budget.
Example: a €400,000 property valued at €360,000, with financing at 70% of that valuation, gives a €252,000 loan. The buyer needs €148,000 towards the price, then the purchase costs. A 70% loan against a €400,000 valuation would be €280,000. The valuation difference therefore adds €28,000 to the buyer’s own contribution.
Prepare a clear picture of your income
The bank considers regular income, debts, expenses, age and the documents supporting the application. Income earned abroad or in another currency needs to be explained clearly. For a business owner, separate salary, dividends and company results. For savings or crypto capital used as a deposit, prepare the record of how the money was obtained and converted.
Compare the complete proposals
TAEG and MTIC
Use TAEG to compare the cost of similar loan proposals. MTIC shows the total amount payable under the proposal’s assumptions. Read these figures together with the term and conditions.
Insurance, fees and linked products
Compare the monthly outgoings and the upfront costs, including any conditions attached to a discounted spread. Use the amounts in the bank’s FINE.
What to gather for the first discussion
Your situation
Country of residence, age, employment or business activity, income currency and existing monthly loan payments.
Available money
Own funds, source of the deposit and how much reserve you want to retain.
The purchase
Property link or price range, deposit already paid, CPCV status and the target completion date. The documents and translations needed next are determined for the application.
Link the mortgage to the purchase contract
Before signing the CPCV, check the financing condition, bank valuation, payment dates and the consequences if the loan is smaller or takes longer. For a property under construction, match the developer’s payment stages with the bank’s release of funds. We will review the contract and organise the legal preparation of the purchase.
Tell us what you are planning to buy
You can contact us while choosing a budget or after finding a property. We will review the purchase plan, identify the documents and legal work needed, and organise the next steps with the bank and the specialists involved. We will set out the work and price for your situation.