Portugal Mortgage Calculator for Foreigners

Thinking of buying in the Algarve with a Portuguese mortgage? Enter your numbers below to see the price range a bank is likely to finance, with taxes and purchase costs included. It takes under a minute and nothing is stored.

Selon les règles de la Banque du Portugal et les barèmes fiscaux 2026, mis à jour en septembre 2026

Où serez-vous résident fiscal au moment de l'achat ?
À quoi servira le bien ?
Après impôts, tous les emprunteurs
Prêts immobiliers, auto, cartes de crédit. Laissez 0 si aucun
Apport plus taxes et frais
Ajuster le taux d'intérêt
Par défaut, le taux moyen des nouveaux prêts immobiliers au Portugal, avec une marge pour les non-résidents

Il s'agit d'une estimation indicative, et non d'une offre de prêt ni d'un conseil financier. Chaque banque applique ses propres critères et le montant final dépend d'une étude de crédit complète.

Portuguese mortgages for international buyers: common questions

Can foreigners get a mortgage in Portugal?

Yes. Portuguese banks lend to both residents and non-residents. Non-residents can usually borrow up to about 70% of the purchase price, while tax residents buying their main home can borrow up to 90%. The bank looks at your net income, your existing debts, your age and where your income is earned.

How much can I borrow in Portugal?

Since August 2026, the Banco de Portugal caps the monthly repayments on all your loans at 45% of your net income, and banks must test that figure at a higher interest rate. In practice, your budget is the lower of what your income supports and what your savings can cover as deposit plus purchase costs. The calculator above works out both.

What does a non-resident pay in purchase tax?

Since May 2026, buyers who are not tax resident in Portugal pay IMT at a flat 7.5% of the full price, plus 0.8% stamp duty. This does not apply if you have been tax resident in Portugal before, and the difference can be reclaimed if you become tax resident within two years of buying. Residents pay IMT on a sliding scale.

How much cash do I need on top of the deposit?

Plan on roughly 7% to 10% of the price for a resident purchase, and more for a non-resident because of the flat 7.5% IMT. That covers transfer tax, stamp duty on the purchase and the loan, notary and registry, bank fees and a lawyer.

Is this an official mortgage offer?

No. It is an indicative estimate to help you plan. Every bank has its own criteria, and the final figure depends on a full credit assessment. Steve can introduce you to lenders and brokers who work with international buyers.

Already have a price in mind? Use the closing cost calculator to see the full cost of a specific purchase, or browse properties across the Algarve.