🏡 All About Getting a Mortgage in Portugal
Are you considering purchasing a property in Portugal? Whether you're exploring real estate in Portugal for a dream home or planning to invest in Portuguese real estate, we’ve got your financing covered! Kalie from ExpatsEverywhere sits down with Rafael, a mortgage broker, to discuss the important things you need to know. From understanding what can be offered to you as a foreigner in Portugal to navigating the mortgage process, our questions for Rafael will be the only resource you need for buying a property with a mortgage in Portugal.
🌏 ABOUT US
Hi! We’re Josh and Kalie, expats since 2009. We’ve lived in Spain, South Korea, Saudi Arabia, Singapore, and now Portugal (we know, we broke the “S” streak 😅). Follow ExpatsEverywhere for expat interviews, city breakdowns, travel tips, and more to help you live your best life abroad!
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Chapters
00:00 - Intro
00:16 - What documents do banks need to get a mortgage in Portugal?
01:00 - Can a retiree get a mortgage in Portugal?
01:09 - Do you have to be a resident in Portugal or at least have a visa to live in Portugal to get a mortgage?
01:43 - Are the rules different for foreigners buying a property in Portugal?
02:12 - Are there age limits?
03:34 - What are the interest rates like in Portugal?
04:22 - Will interest rates maintain these levels throughout the year (2025)?
04:38 - What does the whole mortgage process look like?
05:53 - What's the benefit of using a mortgage broker vs directly going to a bank? (Surprising Answer)
07:33 - How much do clients pay for your services?
08:19 - SCENARIO of a €300,000 property purchase
10:18 - Can someone get a mortgage completely remotely?
11:10 - Advice to those interested in purchasing a property in Portugal