Portugal Mortgage Calculator

How much a Portuguese bank could lend you, and which lenders' published criteria you meet

Estimates only — not credit advice and not credit intermediation. Limits come from Banco de Portugal's Recomendação Macroprudencial n.º 1/2026; bank criteria are taken from public pages on the date shown. Only a bank can decide.

You

Monthly income before tax (€)

Enter the average you declare on your IRS, not your newest rate — banks assess declared income.

Age

Years declared

Years of recibos verdes. Most banks want 2+.

Second borrower

Incomes add up; the older age sets the maximum term.

Other monthly loan payments (€)

Car, personal, credit cards. DSTI counts every credit you hold.

Portuguese tax resident

Non-residents face lower loan-to-value caps at most banks.

Property

Purpose

Own permanent homeSecond home or investment

First home, and I qualify for IMT Jovem

Under 36, first own permanent home, no property owned in the last 3 years.

Property price (€)

Optional. Leave empty to see only what you could borrow.

Funds available for the purchase (€)

Must cover the deposit AND the taxes and fees — not your emergency savings.

Loan

Rate type

Variable (Euribor + spread)Fixed

Term (years)

Leave 0 to use the term that borrows the most.

Rate override (%)

Leave 0 to use Euribor plus a reference spread.

Bank package (insurance + salary account)

Most lenders cut the spread in exchange. Compare the total cost.

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Enter your income to see results