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A Unipeople atua como intermediário de crédito vinculado autorizado pelo Banco de Portugal nº 0006413.
Nenhum conteúdo deste site dispensa a leitura da informação pré-contratual e contratual legalmente exigida.

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  • Sem custos associados, os Bancos suportam os custos das transferência
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We offer spreads starting from 0%.

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  • Free, fast, and simple process.
  • No associated costs, banks cover the transfer fees.
  • We negotiate with banks on your behalf.
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UniPeople acts as a tied credit intermediary authorized by the Bank of Portugal under the number 0006413. No content on this website replaces the reading of legally required pre-contractual and contractual information.

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Mortgages in Portugal

Portugal is a country where a lot of people own their homes. About 78% of the residents have bought their own place, which is higher than the average in the European Union (EU), which is 70%.

In recent years, more people in Portugal are taking out mortgages. The total amount of money owed for mortgages reached 99 billion in 2022. According to Statista, 38% of people in Portugal have a mortgage. In the EU, the average is 27%. Portugal is similar to France, Switzerland and the United Kingdom (UK) in this regard. Additionally, 41% of Portuguese residents fully own their homes.

If you are thinking about getting a mortgage in Portugal, how much you can get and with what conditions will depend on a few things. These factors include whether you live in Portugal, your job situation and how much money you have.

Who can get a mortgage in Portugal?

Getting a mortgage in Portugal is pretty accessible for folks with a good credit score. Just like in other places, having a steady job and a reliable income makes it more likely for your mortgage application to be approved. Even if you’re self-employed or retired, you can still get a home loan.

The good news is that there are no strict rules for foreigners wanting a mortgage in Portugal. But, if you have residency in Portugal, things might be a bit smoother. Expats with residency can borrow more money compared to the value of the property and have more choices when it comes to lenders and deals.

If you’re eyeing a property through the Golden Visa program, getting a mortgage can be handy to increase your budget. To be part of the program, you need to spend between 280,000€ to 500,000€ on the property, depending on where it is. If the home costs more than this amount, you can use a mortgage to cover the rest of the purchase price.

Types of mortgages in Portugal

In Portugal, you have options when it comes to mortgages – you can go for a variable-rate or fixed-rate mortgage:

Variable-rate mortgages:
This is a popular choice in which the interest rate can change over the loan period. The changes are linked to the Euribor (Euro Interbank Offered Rate). How often your rate changes depends on which Euribor your mortgage is tied to.

Fixed-rate mortgages:
These mortgages have a set interest rate for a specific number of years. During this time, your monthly payments stay the same. While fixed-rate mortgages can be a bit more expensive, they protect you from Euribor rate fluctuations. Fixed terms can be as short as one, two or five years, and some lenders offer rates fixed for the entire loan term.

Most mortgages in Portugal work on a repayment basis. Your monthly payments cover both the borrowed amount and the interest charged by the bank. It is less common to find interest-only mortgages, in which you only pay the interest each month and settle the full amount at the end of the term.

Typically, mortgages in Portugal last for 25 years, although you might be able to stretch it to 30 years depending on your situation. Lenders usually want the mortgage fully paid by the time you reach 70, 75 or 80 years old.

How to apply for a mortgage in Portugal

When seeking a mortgage, you have two options: approach a bank directly or enlist the help of an independent mortgage broker. If you are not fluent in Portuguese, working with an English-speaking broker can be beneficial. Typically, you won’t need to pay the broker directly; instead, the bank you choose for the mortgage will compensate them with a commission.

The mortgage application process can be time-consuming, so it is a good idea to start the process early, ideally when you begin your property search. This allows you ample time to organize your documents and gives you a better understanding of the potential loan amount you might qualify for.

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Specialists in Mortgage Loans

We specialize in mortgage loans and have access to the best market conditions. We work with the leading national banks and negotiate more advantageous solutions for our clients.

Gain access to a team with over 10 years of experience, featuring impartial consultants who prioritise customer satisfaction.


Caixa Geral Depósitos

Caixa Geral de Depósitos is a Portuguese state-owned bank founded in 1876. As the largest bank in Portugal, it plays a crucial role in the country’s economy, offering a wide range of banking and financial services, from deposits to loans and investments.



UCI is a financial institution specialising in real estate credit, with operations in various countries, including Portugal. Focused on providing financing solutions for property acquisition, UCI is known for offering products and conditions tailored to the needs of its clients.



Novo Banco is a Portuguese banking institution formed in 2014, following the resolution of Banco Espírito Santo. As an independent entity, Novo Banco maintains a significant presence in the Portuguese financial sector, offering a variety of banking services, from current accounts to investment solutions and asset management.



Santander is a global financial institution with origins in Spain. With significant presence in Portugal, Banco Santander stands out for its innovative approach and diverse offering of banking services, including financing solutions, wealth management, and investment banking services.

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Transferring your mortgage still makes sense in 2024?



Spread: 2,65%

Monthly: 450,04€


Spread: 0%

Monthly: 353,84€


Monthly: 96.20€

Annual: 1.154,40€

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of Mortgage Loans


We collaborate with various financial institutions to provide you with the freedom to choose and access the best credit for your project.


The response regarding credit approval is quick, because we know that time is money!


The simulation and the analysis process of your profile are free and without obligation.


We handle the entire process of all insurance related to credit and/or housing.


In addition to support throughout the process, it also includes continuous assistance during the active contract.


Get the best mortgage rate with spread proposals starting from 0%.


You can keep all your activity in your current bank; there is no need to switch institutions.


The security of your data is of utmost importance. Secure and confidential, from the beginning to the end of the contract.

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We have already saved Portuguese families €12,325,758.

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My experience with your services was outstanding! The team was incredibly helpful, guiding me through the entire process with patience. The communication was seamless, and I felt well-supported. Definitely recommending your team to others!

John Thompson


I was pleasantly surprised by the efficiency and friendliness of the team. The service representative I worked with answered all my questions in perfect English. The whole mortgage process felt smooth, and I appreciate the personalized attention. Great job!

Sophie Müller


I reached out to your team for assistance, and I must say, the service exceeded my expectations. The team demonstrated a high level of professionalism. Their guidance made navigating the mortgage application straightforward. I’m grateful for the support!

Elena Petrov


Working with your team made the mortgage application stress-free. The language barrier was not an issue, thanks to the fluent English spoken by the service representative. The team provided valuable insights, and the overall experience was positive. I would happily recommend your services!

Aiden Smith

Because your family deserves the best conditions.

Still have doubts?

Does transferring a mortgage have costs?

No! We have ongoing campaigns in which the transfer costs are covered by the banks we work with.

What is the best bank to transfer my mortgage loans to?

It depends! It is essential to always be aware of the market and ongoing campaigns.

This is one of the many advantages of using our services; we handle the comparison and market analysis for you!

Does transferring a mortgage still make sense in 2024?

In most cases, it is worthwhile. However, to determine if it is beneficial or not, we analyse each case individually and provide reliable advice to our clients.

What are the required documents to transfer the home loan?

  1. Copy of the Deed
  2. Citizen Card
  3. Property Tax Document – You can find it on your personal area on the Finance Portal.
  4. Proof of Fiscal Address
  5. Copy of an Utility Bill for electricity, water, gas, or telecommunications
  6. Bank Statement for the last 3 months
  7. Last 3 Payslips
  8. Latest IRS Model 3 – You can find it on your personal area on the Finance Portal.
  9. Responsibilities Map – Find this document by clicking on “Central de Responsabilidades de Crédito” on the Bank of Portugal website.

Additionally, you will need the mortgage discharge document when transferring the mortgage. This document proves the termination or cancellation of the contract with the bank.

Check useful information for buying a house in the frequently asked questions and answers.

What is mortgage credit?

Mortgage credit involves financing provided by a banking institution for the acquisition or construction of a home.

It is important to note that the approval of mortgage credit is subject to various criteria, including the client’s banking history and their ability to repay the loan.

Does UniPeople provide mortgage credit?

UniPeople is a credit intermediary that assists and guides the client through the loan approval process, with no associated costs. We negotiate with banks to secure the best conditions for our clients.

The loan is granted by banking institutions.

What are the advantages of working with UniPeople in the mortgage credit process?

We have negotiating power with banks and ensure the best market conditions for our clients.

We handle the paperwork and simplify banking language.

Our service is COMPLETELY FREE for the client!

How many phases are involved in a mortgage credit application until its approval?

  1. Submission of Documentation – The client sends us the necessary documentation for the process analysis.
  2. Process Analysis – We conduct an analysis of the process, checking its feasibility and determining the most suitable solution.
  3. Pre-Approval – After submitting the process to the banks, we review all proposals with the client. The client selects the best option.
  4. Property Appraisal – An evaluation of the property is conducted to determine its market value.
  5. Formal Approval – Preparation of all documentation for the day of the deed.
  6. Deed – Formalization of the loan.

Is it possible to obtain financing for 100% of the appraisal value or the acquisition cost of the property for personal and permanent housing?

If the property is owned by the bank, it is indeed possible to obtain 100% financing.

If not, in most cases, the bank typically lends up to 90% of the property’s acquisition cost or its appraised value (whichever is lower).

The bank requires life insurance and comprehensive insurance for loan approval. Do I have to purchase the insurance from the bank?

Life insurance is usually required by banks, as it covers the outstanding amount in the event of the death or disability of the holder. And comprehensive insurance is mandatory by law, including coverage for fire, floods, theft, landslides and storms.

Both can be arranged outside the bank!

I am unemployed. Can I apply for a loan?

No, being unemployed generally restricts access to any type of credit unless you have a co-applicant with declared income.

My loan was approved, but a proposal with better conditions came up from another bank. Can I reject the approved offer and accept the other one?

Yes. There is only a link with the banking entity when the loan is actually signed.

If you use a credit intermediary, they will be able to obtain the best proposal for you, as well as speeding up and facilitating the entire process between banking entities and the customer.

How can I choose the best proposal?

When comparing different housing loan solutions there are several factors to consider, such as: TAN, APR, MTIC, spread insurance, deadlines, fixed, variable or mixed rate.

These are complex terms and concepts, so if you have help from a Unipeople specialist, the entire process becomes much simpler and uncomplicated.

What types of mortgage credits are there?

Buying your personal permanent home or secondary home, building a house, transferring mortgage, carrying out renovations and buying land.

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Copyright © 2024 – All rights reserved.
UniPeople acts as a linked credit intermediary authorized by Bank of Portugal n.º 0006413. None of the content on this website exempts you from reading the legally required pre-contractual and contractual information.
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