Mortgage Direct - Leading Broker in Portugal

Independent mortgage advice for international property buyers since 2006

  • INITIAL ENQUIRY

    Get expert advice or do an affordability check to determine your eligibility for a mortgage in Portugal

    GET INITIAL ADVICE

  • PRE-APPROVAL (FULL APPLICATION)

    Pre-approve yourself by filling our full application form and get up to two no-obligation quotes tailored to your needs within 48 hours

    GET PRE-APPROVED

  • APPROVAL AND COMPLETION

    Save time by ensuring that you understand the full application and mortgage process in Portugal

    GET QUALITY INSIGHTS

Mortgage Direct Service

Our internationally qualified advisers simplify complex mortgage procedures

MORTGAGES IN PORTUGAL

INDEPENDENT ADVICE

Since 2006 Mortgage Direct have been liaising with banks, estate agents and international property buyers in Spain’s ever-changing mortgage market. As of 2015 we extended our services and included Portugal in our offering.  We have adapted our independent service to the needs of property buyers such as you and we continue to negotiate with the banks to provide you with preferential deals both in terms of interest rates and speed of completion.

Fast Track Approvals

In some cases, due to our long-standing banking contacts, we can ensure fast-track approval of your mortgage application.

Exclusive conditions

We negotiate the terms and conditions with various banks to bring you exclusive mortgage conditions only available to Mortgage Direct.

Money-back guarantee

We have a 98% approval rate and our service comes with a money-back guarantee if the terms offered cannot be achieved.

Mortgage products available in Portugal

Mortgage Direct can offer you exclusive terms and conditions

Holiday Home Mortgages

Holiday home mortgages are available for private non-resident property buyers, who are not Portuguese residents. The maximum borrowing amount is up to 70% of the property purchase price (or valuation if lower).

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Construction Mortgages

Construction mortgages are for property buyers who wish to build a new house from the ground up or to renovate an existing property. The maximum borrowing amount is generally 50% of the plot cost plus 70% of the cost of the works.

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Primary Residence Mortgages

Primary residence mortgages are for those who will live in their property in Portugal as their main residence and pay their income tax here. It’s possible to secure mortgages up to 80% of the property purchase price (when you are a Portuguese taxpayer) with rates from Euribor + 1.5% or fixed rates from 2.25%.

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Investment Mortgages

Investment mortgages are for those property buyers planning to rent out their property after purchase. Generally speaking, banks will offer up until 60-70% of the property purchase price (or valuation if lower) for these types of mortgages.

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Commercial Mortgages

Commercial mortgages, including mortgages taken out by companies, are for those who seek to buy property for commercial purposes and might include investment mortgage. Available up to 60% of the property purchase price with rates from Euribor + 2.1%.

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Mortgage Application

We will guide you safely through the mortgage process