Bank of Portugal Regulated Brokers

Portugal Mortgage Made Simple

Get pre-approved in 1 week, full approval in 2-4 weeks with English-speaking expert mortgage brokers.

100% Free for Customers
GDPR Compliant
Licensed Brokers Only

The Traditional Way vs The Habita Way

Getting a mortgage in Portugal shouldn't be complicated or time-consuming

Traditional Process
Frustrating & Time-Consuming

6-12 weeks for approval

Portuguese-only communication

Confusing bureaucracy

Multiple bank visits required

Unclear documentation requirements

The Habita Way
Fast & Transparent

2-4 weeks for approval

Full English support

Clear step-by-step guidance

100% digital process

Complete document checklist

How It Works

Three simple steps to your Portuguese mortgage

1
Apply Online

Complete our simple 10-minute application form. Upload your documents securely through our encrypted platform.

10 minutes
2
Expert Review

An English-speaking, licensed broker reviews your application and guides you through any additional requirements.

Real-time chat support
3
Get Approved

We submit your application to multiple Portuguese banks and help you choose the best offer for your needs.

2-4 weeks to approval

Calculate Your Mortgage

Get an instant estimate of your monthly payments

Mortgage Calculator
Estimate your monthly payments for a Portuguese mortgage
€400,000
€80,000 (20%)
3.50%
30 years
Estimated Monthly Payment
€0
Principal & Interest
Loan Amount
€320,000
LTV Ratio
80%
Total Interest
€0
Total Payment: €0

*This is an estimate. Actual rates and terms may vary. Additional costs apply (IMT, stamp duty, notary fees).

Frequently Asked Questions

Everything you need to know about Portuguese mortgages

Ready to Get Your Portugal Mortgage?

Join hundreds of expats who've successfully secured their Portuguese property with Habita