Portugal mortgage calculator
Enter your numbers. We apply the actual rates Portuguese banks issued for Portugal Mortgage clients — banks anonymised — and estimate your monthly payment and the cash you'd need, next to the APRC each bank actually issued.
Cash needed uses the 7.5% flat IMT for non-residents (Decree-Law 97/2026) plus stamp duty (0.8% of the price and 0.6% of the loan), and excludes notary, registration and bank fees.
Indicative values based on the averages of our most recent cases. They do not imply that the conditions offered to you will be the same. All offers are subject to bank approval.
APRC (TAEG) is the figure the bank issued for the loan, LTV and term shown at the bottom of each card — it is not recalculated for your numbers. Mixed-rate payments after the fixed period, and all variable-rate payments, assume Euribor stays at today’s level. All values require bank verification and approval.
Turn this into a real offer
These are estimates from past client files. In a free call we run live simulations for your profile across our partner banks — and tell you which bank each rate came from.
Book a free consultationImportant. The rates shown are anonymised and taken from real bank simulations obtained for Portugal Mortgage clients during or before ISO week 40 of 2026; banks are intentionally not identified. Monthly payments are recalculated for the amount and term you enter and are estimates only. The APRC (TAEG) shown is the one the bank issued for the original simulation (amount, LTV and term shown on each card) and is not recalculated for your figures; rates for your case may differ, especially at a higher LTV. Nothing here is an offer, a quote, a personalised recommendation or advertising of credit conditions. Every value requires verification and is subject to bank approval, and depends on your income, country, property and insurance. Payments exclude insurance premiums unless stated. Portugal Mortgage is a credit intermediary registered with Banco de Portugal, licence ICV 6191.
How much could you borrow? → Affordability calculator · Plan your upfront costs → Buying costs & taxes