Multi-currency · rates from real simulations · ECB FX 2026-10-19

How much can I borrow in Portugal?

Earn in dollars, pounds or any currency? Banks discount foreign income for safety — we apply realistic discounts, stress-test the rate, and show what you could actually borrow as a non-resident.

Applicant 1 — net income (after tax)

Age of the oldest applicant

Existing monthly debt payments (loans, cards — € equivalent, optional) €

Where do you pay income tax?

Income from more than one country? Multi-country income files are assessed bank by bank and can't be estimated reliably online — talk to us directly and we'll map exactly what each bank will accept. The figures below are a rough indication only.

No registered tax residence? This situation requires direct, case-by-case assessment — an online estimate would be misleading. Book a free call and our team, highly experienced in complex cross-border cases, will review your options at no cost.

Loan terms below 7 years are not typical for a mortgage. At this age, financing depends on the bank and your profile — contact us for a free assessment and we'll check what's possible.

YOU COULD BORROW APPROXIMATELY

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indicative range (±10%) · capacity stress-tested at +1.5pp · income figures must be verified by a qualified agent

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Est. monthly payment (mid)

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Implied property price (mid)

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Down payment needed (mid)

Before you plan around these numbers: this is an indicative estimate only. All income figures must be verified by a qualified agent — our service is completely free and handled by professionals highly experienced in complex cross-border cases. In a free call we confirm exactly what banks will accept for your situation.

Next: see real bank rates → Portugal mortgage calculator · plan your upfront costs → Buying costs & taxes

Turn this estimate into a bank-verified number

Free, in English, no commitment — we verify your income the way banks will, across our partner banks.

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Important. This tool provides an indicative, non-binding estimate and is not an offer, a quote, a personalised recommendation or advertising of credit conditions. Portuguese banks are not homogeneous in how they treat foreign income: currency discounts ("haircuts"), debt-to-income limits and stress tests vary bank by bank and must be assessed case by case by a qualified agent. Calculations here use a 45% debt-to-income reference, a +1.5pp rate stress and typical mid-range currency discounts (EUR 0–10%, USD/CAD/AUD 20–30%, GBP 20–35%, other currencies typically 30%). Interest rate reference: variable (Euribor 3M) from real, anonymised bank simulations in Portugal Mortgage client files. FX: European Central Bank reference rates. Every value requires verification and is subject to bank approval. Portugal Mortgage is a credit intermediary registered with Banco de Portugal, licence ICV 6191.