Property-backed finance

Release capital from property you own in Portugal

Use available property value for an eligible purpose. We assess the property, existing debt and affordability before comparing suitable lending routes.

Assess my available equity Check my numbers

11+: Portuguese partner banks
25+: Years of mortgage experience
0 €: Fee paid by the client
ICV 6191: Banco de Portugal registration

The capital test

Four gates sit between property value and usable capital

A market estimate is only the opening number. The bank still tests its own valuation, secured debt, LTV policy and the borrower’s ability to repay.

Start with your financing profile

Bank valuationThe lender’s independent value, not the asking price

Existing secured debtThe mortgage balance and relevant repayment costs

LTV and affordabilityBank policy, income, age, term and other commitments

Only after assessment Indicative usable-capital range Not a guaranteed percentage of the property value

Start with the real limit

Property equity does not equal available borrowing

A bank lends against both the asset and the borrower. A useful assessment connects valuation, existing debt, affordability, purpose and term before comparing proposals.

Estimate usable equity

We review the property value, current mortgage balance and the LTV a suitable bank may accept. Equity and borrowable capital are not the same number.

Test purpose and affordability

Banks assess why the funds are needed as well as income, existing commitments, age and term. We establish what is supportable before an application.

Compare the right structure

Depending on the case, the route may be a mortgage top-up, refinancing or another property-backed facility. We compare access, cost and conditions.

Equity assessment board

The route changes with ownership, debt and income

There is no universal equity-release product. We use the facts of the case to establish which regulated lending route, if any, is appropriate.

Starting position	What the bank assesses	The decision to make
Mortgage-free property	Current valuation, ownership, income and intended use of funds.	Whether new property-backed borrowing is available and proportionate.
Existing Portuguese mortgage	Outstanding balance, current terms, early repayment cost and available equity.	Compare a top-up with refinancing the total balance.
Non-resident owner	Country of residence, income currency, documents and lender policy.	Target banks that accept the cross-border profile.
Foreign or complex income	Currency, employment structure, business accounts and continuity.	Use a lender whose affordability method reflects the evidence.
Investment property	Property use, rental evidence and existing finance.	Confirm the bank accepts both the asset and the intended purpose.
Company-owned property	Legal owner, company accounts and commercial purpose.	Assess separately: personal mortgage products may not apply.

How it works

From property value to a bankable request

We separate the headline equity figure from the amount that can be responsibly structured and submitted.

Review property and profile

Starting position

We map ownership, estimated value, existing debt, income, purpose and preferred term.

Free consultationNo obligation

Estimate the usable range

Equity is not the limit

We test indicative LTV and affordability to create a realistic borrowing range.

Property valueAffordability

Compare suitable structures

Bank fit

We identify banks and structures that accept the profile and intended use of funds.

Relevant lendersTotal conditions

Manage valuation and approval

Controlled execution

With your approval, we prepare the file and coordinate the bank through valuation and decision.

Dedicated advisorProgress visibility

Clear terminology

Not a promise to unlock a fixed percentage

In Portugal, ‘equity release’ commonly describes property-backed lending. Approval, available capital and conditions remain subject to a full bank assessment and property valuation.

Property valuation and ownership checked
Existing debt and costs included
Purpose and affordability assessed
No guaranteed approval or amount

Equity release FAQ

What property owners need to know

What does equity release mean in Portugal?+

In this context, it usually means borrowing against available value in a Portuguese property, commonly through refinancing, a mortgage increase or another property-backed facility. It is not automatically the same as a UK lifetime mortgage or reverse mortgage.

How much equity can I release?+

The property value minus existing debt shows gross equity, not the amount a bank will lend. The usable amount depends on valuation, maximum LTV, affordability, age, term, purpose and the selected bank’s policy.

Can a non-resident release equity from property in Portugal?+

Potentially, yes. Availability varies by country of residence, income currency, property type and purpose. A lender must still assess the full financial profile and property.

Can I release equity if the property already has a mortgage?+

Potentially. The options may include increasing the existing facility or refinancing the outstanding balance plus additional capital. Costs and current mortgage conditions should be compared before changing lender.

What can the funds be used for?+

Possible purposes include renovation, another investment or consolidation of eligible commitments, subject to bank policy and evidence. The intended use should be clear from the beginning.

Does age affect property-backed lending?+

Yes. Banks usually consider maximum age at the end of the loan, which can affect the available term and monthly payment. Income and affordability remain part of the assessment.