Buying a home

How does the mortgage process work for non-residents?

Answer updated 18 October 2026Independent guide
Short answer

Non-residents can obtain mortgages in Portugal, but banks often require a larger down payment, proof of income, and a Portuguese bank account. Approval depends on your financial profile and the property. Compare offers from several banks and consider using a mortgage broker. Rules and rates change, so confirm details with the lender.

General information, not legal or tax advice. Rules and amounts change: confirm with official sources.

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