Documents required for a mortgage

Complete list of documents for your mortgage application

Prepare Your Documentation

The documents required to create a financing process can vary significantly from one person to another, or from one situation to another. However, there is a common and essential list for all applicants.

CAFIMO treats each client in a unique and independent way. We know that each request is different and requires a detailed analysis.

Required Documents

Non-exhaustive list that will be complemented by your advisor

Identification

Identity Card (ID)
NIF – Portuguese Tax Identification Number
Credit Report from country of origin

Professional Income

Last 3 payslips or last 6 months of invoicing
Employment contract or declaration of start of activity
Latest IRS tax declaration
Additional documents depending on specific situations

Miscellaneous

Last 3 bank statements
Savings
Rental agreement, if applicable
Existing credit agreements

Purchase Project

Property Tax Registry (Caderneta Predial)
Permanent Certificate of the property
Floor plans
Promissory Purchase Agreement (CPCV)

Banking Partners

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Frequently Asked Questions

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What documents are required for a mortgage?

Essential documents include passport or identity card, NIF, tax declaration, proof of savings, bank statements, employment contract and payslips. The list may vary depending on your situation.

What are the deed costs in Portugal?

Notarial costs range between 5% and 10% of the purchase price in Portugal. They include IMT (municipal property transfer tax), IS (0.8%), ISUC (0.6%) and notarial expenses of approximately €1,500 to €2,000.