Mortgage Calculator Portugal — Non-Resident, up to 80% LTV
Buying in Portugal as a non-resident? See your monthly payment, loan amount and closing costs in two minutes — up to 80% financing.
How much can I borrow for a property in Portugal as a non-resident?
Non-residents typically get up to 80 % loan-to-value in Portugal — higher than Spain's 70 % ceiling. On top of the purchase price, budget around 10 % in closing costs: IMT (property transfer tax, 7.5 % flat rate for non-residents since 25 May 2026), Imposto de Selo (stamp duty, 0.8 % on the purchase plus 0.6 % on the loan), notary and Registo Predial fees, and legal fees of roughly 1 % plus 23 % IVA. For a €400,000 purchase with an 80 % loan, that means around €40,000 in equity plus roughly €40,000 in costs before the first instalment is due. The calculator below works out your monthly payment, loan amount, and total cost for the term you choose. Not legal or tax advice.
Portugal is the more generous of the two markets for non-resident financing: banks go up to 80 percent loan-to-value, against 70 percent across the border in Spain, and closing costs run slightly lower at around 10 percent of the purchase price.
The result below is an estimate to plan with, not a binding offer. For firm terms, I review your documents and request quotes from Portuguese banks directly.
A quick estimate — what does your Portuguese mortgage cost?
A first orientation for your financing plan. For an individual offer, contact me directly.
Your Portugal financing & total-cost overview (estimate)
- Monthly payment—
- Loan amount—
- LTV—
- Closing costs—
- Total investment—
- Equity required—
- Total interest over the term—
- Total cost over the term—
Estimate, no guarantee. Portugal: max. 80 % LTV for non-residents. Closing costs = IMT, Imposto de Selo, notary, Registo Predial, legal fees. Total cost = equity + closing costs + all payments over the term. For a binding offer, contact me.
Buying in Spain instead, or comparing both? The Spain & Portugal calculator lets you switch country and compare side by side.
Numbers look right, but not sure the bank will follow? The mortgage readiness check gives a rough read on income, debt-to-income, age and paperwork in about a minute.
Model calculations without guarantee. Not binding offers. Terms vary depending on credit profile, property and bank. No tax or legal advice.
Get the full evaluation by email
The complete breakdown with your exact figures — loan, equity required, total interest — straight to your inbox.
How accurate is this Portuguese mortgage calculator?
What is the maximum mortgage amount in Portugal for non-residents?
What closing costs does the calculator include for Portugal?
Is a mortgage in Portugal different from Spain?
Financing new-build stage payments — Spain — the guide as a PDF
How the structure works, what breaks it, which documents the lender wants to see and in which order to proceed. Free, by email, no upfront cost.
What is inside:
- Disbursement · each instalment in full, while the building goes up
- Equity · paid in first, sized against the tasación
- Recipient · straight to the developer
- Property type · developer new build (obra nueva) — not self-build
- Lenders writing this · 1 of 15–20 approached (Perini Market Check 07/2026)
All figures are orientation from our brokerage practice — not a commitment and not a guaranteed condition. Whether a case works depends on the property, the valuation and your standing: subject to credit assessment, case by case, no legal entitlement.