15+ banking partners compared for you
We approach every relevant lender simultaneously, so you get the most competitive offer on the market.
Mortgage in Portugal · Free broker service
Get a Mortgage in Portugal - Free Broker Service
In brief
CAFIMO is an authorised credit intermediary in Portugal specialising in foreign buyers, non-residents, and expats. We compare 15+ banking partners to find the best mortgage rates and conditions - at no cost to you.
English-speaking advisors · No broker fees · No obligation
One application. More possibilities.From your first questions to the final deed.
Among our banking partners
Start with the numbers
Mortgage Tools
Use these tools to get an instant picture of your financing before speaking to an advisor.
Understand every step
Everything You Need to Know
Explore our complete guides on every aspect of getting a mortgage in Portugal.
Credit Transfers
Already have a mortgage? Discover how transferring your loan to a better-rate bank can save you thousands.Explore guide
Mortgage Types
Fixed, variable, or mixed rate: understand which mortgage type suits your profile and purchase goals.Explore guide
Required Documents
A clear checklist of every document Portuguese banks require from foreign and non-resident applicants.Explore guide
Financing Conditions
LTV ratios, debt-to-income limits, and eligibility rules explained for buyers from outside Portugal.Explore guide
All Costs When Buying Property
Taxes, notary fees, and stamp duty: the full cost picture beyond the deposit.Explore guide
Mortgage Process
Step by step, from pre-approval to deed signing, so you know exactly what to expect.Explore guideBuying from abroad?
Our Complete Guides for Foreign Buyers
Going deeper? These guides cover the full journey for non-residents and expats buying in Portugal.
How to Get a Mortgage in Portugal as a Foreigner (2026)A practical, step-by-step guide to securing finance as a non-Portuguese buyer, from NIF to final deed.Read the guideNon-Resident Mortgage Portugal: Complete 2026 GuideEverything non-residents need to know: LTV limits, required documents, bank selection, and timelines.Read the guide
People on your side
Why Choose CAFIMO?
Working with a mortgage broker in Portugal means one application, multiple offers - and a dedicated advisor by your side throughout.
English-speaking advisors, full support from pre-approval to signing
No language barriers, no surprises. We handle the bank negotiations so you don't have to.
100% free service - CAFIMO is paid by the banks, never by you
Our fee comes from the bank that funds your mortgage. Your cost is zero.
Your questions, answered
Frequently Asked Questions
Not sure where to begin? Your advisor can help you understand your options.
Can foreigners get a mortgage in Portugal?
Yes. Portuguese law places no residency or visa requirement on mortgage eligibility - it is a bank credit decision. Foreign buyers and non-residents regularly obtain financing, provided they meet income, documentation, and debt-ratio requirements.
How much deposit do I need?
Non-residents typically need at least 20% down as EU/EEA buyers, and around 20%-30% or more as non-EU buyers. The final amount depends on the bank, the borrower's profile, the property, and its valuation. Budget an additional 7%-8% on top for purchase taxes and fees, which the mortgage does not cover.
How long does the mortgage process take in Portugal?
From application to deed, expect 6 to 10 weeks in most cases. The timeline depends on how quickly documents are gathered and the bank's internal processing speed. CAFIMO coordinates directly with the bank to avoid unnecessary delays.
Is using a mortgage broker in Portugal really free?
Yes, entirely. CAFIMO charges no fees to the buyer at any stage. We are remunerated by the bank that grants your mortgage - a standard industry model regulated by Banco de Portugal. You receive independent advice at zero cost.
