Enter your numbers. We apply the actual rates Portuguese banks issued for Portugal Mortgage clients — banks anonymised — and estimate your monthly payment, APRC and the cash you'd need.
Cash needed uses the 7.5% flat IMT for non-residents (Decree-Law 97/2026) plus 0.8% stamp duty, and excludes notary, registration and bank fees.
APRC (TAEG) is estimated, not a bank figure. It is extrapolated from the fees and insurance costs seen in other real simulations, re-applied to your amount and term. Actual APRC depends on the bank, your insurance and your profile. All values require bank verification and approval.
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 33 of 2026; banks are intentionally not identified. Monthly payment, TAN and APRC (TAEG) are recalculated for the amount and term you enter and are estimates only: the APRC in particular is extrapolated from costs observed in other simulations, not values issued by any bank. 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.
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