High-net-worth finance

Larger mortgages, complex income in Portugal

For buyers whose wealth does not arrive as a monthly payslip. We assess income, assets and structure before approaching the banks that can actually proceed.

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

Wealth is not the obstacle. Evidence is.

Portuguese banks do not decline substantial buyers for lack of means. They decline profiles they cannot assess with the documents in front of them. The work is in translating a complex financial life into the format a credit committee accepts.

Present income banks can read

Dividends, carried interest, bonuses, trust distributions and company profits are all income. Each bank recognises them differently, and some not at all. We establish which lender reads your profile as it is.

Handle cross-border assets

Wealth held outside Portugal has to be evidenced in a form a Portuguese bank accepts. Currency, jurisdiction, tax residence and source of funds all shape which lenders can proceed.

Structure the purchase

Personal name, company, or a combination. The structure changes the products available, the tax treatment and the documents required. It is decided before the application, not after.

Profile assessment board

Each source of wealth is read differently

There is no single high-net-worth mortgage product in Portugal. The route depends on where the income comes from, where the assets sit and how the purchase is structured.

ProfileWhat the bank assessesThe decision to make
Company director or business owner Company accounts, dividend history, shareholding and continuity of profit. Which bank assesses retained profit and dividends rather than salary alone.
Investment and portfolio income Portfolio statements, distribution history, custodian and currency. Whether the income is treated as recurring or discounted heavily.
Non-resident with foreign currency income Country of residence, income currency, tax filings and exchange exposure. Target lenders comfortable with the currency and jurisdiction.
Purchase through a company Corporate structure, beneficial ownership, purpose and accounts. Compare corporate lending against personal borrowing on total cost.
Asset-rich, low declared income Net worth, liquidity, existing debt and evidenced repayment capacity. Whether affordability can be evidenced without conventional payslips.
Multiple properties in Portugal Existing portfolio, current finance, rental evidence and exposure per lender. Manage concentration limits across banks rather than one relationship.
How it works

From a complex profile to a bankable file

Larger applications are won on preparation. We establish the structure and the lender shortlist before anything is submitted.

1

Map the full picture

Before any bank sees it

Assets, income sources, jurisdictions, existing debt, purchase structure and timeline. Larger cases fail on presentation more often than on substance.

Free consultationNo obligation
2

Establish the realistic envelope

Amount and structure

We test indicative LTV and affordability against the profile, so the target property range is set on evidence rather than hope.

Loan sizeAffordability
3

Select the right lenders

Not all eleven

For complex profiles, the number of banks that can genuinely proceed is small. We approach those, with the case built the way they assess it.

Relevant lendersTotal conditions
4

Run the process to completion

Controlled execution

We prepare the file, coordinate valuation, and manage the bank through credit decision and deed.

Dedicated advisorProgress visibility
What we do not promise

No guaranteed amount, rate or approval

Every case remains subject to full bank assessment, property valuation and credit decision. Indicative figures given during the assessment are estimates, not offers.

  • Income and assets evidenced, not assumed
  • Structure agreed before application
  • Total cost compared, not headline rate
  • No guaranteed approval or amount
High-net-worth mortgage FAQ

What larger and international buyers ask

Is there a minimum loan size for high-net-worth mortgage advice?+
There is no formal threshold. The distinction is complexity rather than amount: profiles involving company income, cross-border assets, multiple jurisdictions or non-standard structures require a different approach from a salaried purchase, at any loan size.
Can I borrow in Portugal if most of my wealth is held abroad?+
Potentially, yes. Portuguese banks lend to non-residents, but each has its own policy on income currency, country of residence and acceptable evidence. The assessment is about whether the wealth can be evidenced in a form the bank accepts, not only whether it exists.
How do banks treat dividends and company profits?+
Treatment varies materially between lenders. Some accept a multi-year average of dividends, others discount them or require the underlying company accounts. Presenting the same profile to the wrong bank can produce a very different answer.
Should I buy in my own name or through a company?+
It depends on the purpose of the purchase, the tax position in Portugal and in your country of residence, and the products each route makes available. The structure should be decided before an application, because changing it later usually means starting again.
What loan-to-value can a high-net-worth buyer expect?+
LTV depends on residence status, property type, income evidence and the individual bank, not on net worth alone. Non-residents are typically offered lower maximum LTV than residents. We provide an indicative range once the profile is assessed.
Will a larger loan get a better spread?+
Loan size is one input among several. Spread depends on the bank, the LTV band, the products taken alongside the mortgage and the overall relationship. We compare total cost across lenders rather than headline rate alone.
What does the service cost?+
The client pays no fee. Portugal Mortgage is an authorised credit intermediary registered with Banco de Portugal (reg. 0006191) and is remunerated by the lending bank.

Find out which banks can assess your profile as it is

Share the income sources, where the assets sit and the intended purchase. We will identify the lenders worth approaching and what they will need.

Request a free assessment