How Habita Works
From application to approval in 2-4 weeks. Here's exactly how we make Portuguese mortgages simple for international buyers.
Your Journey to Approval
Start Your Application
Complete our simple online form in just 10 minutes. No need to visit a bank or speak Portuguese.
- Basic personal information
- Employment and income details
- Property information
- Save and resume anytime
Our streamlined application form only asks for essential information. You can save your progress and come back later if needed.
Upload your documents through our encrypted platform. We provide a clear checklist and accept PDF, JPG, and PNG files.
Upload Documents
We'll provide a complete checklist of required documents. Upload them securely through our platform.
- Clear document checklist
- Drag-and-drop upload
- Bank-grade encryption
- Mobile camera support
Expert Review
A licensed, English-speaking broker reviews your application and guides you through any additional requirements.
- Bank of Portugal registered brokers
- Fluent English communication
- Real-time messaging
- 24-hour response time
Your dedicated broker handles all communication with Portuguese banks, ensuring nothing gets lost in translation.
We submit your application to multiple Portuguese banks simultaneously to get you the best rate and terms.
Get Approved
We shop your application to multiple banks and help you choose the best offer.
- Multiple bank offers
- Side-by-side comparison
- Expert guidance on terms
- 2-4 weeks to approval
Why Choose Habita
Specialized in helping expats, digital nomads, and international buyers navigate Portuguese mortgages.
All our partner brokers are Bank of Portugal registered with proven track records.
Our service is completely free for customers. Banks pay us only when your mortgage is approved.