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Commercial mortgages

If you are buying a property that banks will class as a commercial premises (offices, shops, hotels, B&Bs etc.), we can offer mortgages to suit your purposes. The mortgages available are generally 50-60% of the purchase price (or valuation if lower) and conditions differ from those for residential properties.

Where a property is being bought by an actively trading company, or if the company will trade after the purchase, the banks will also treat it as a commercial mortgage.

Some banks will allow you to purchase through a newly formed Portuguese limited company (Sociedad Limitada or “LDA” company). If the company is set up as a shell company for the sole purpose of buying the property, meaning it will not actively trade after the purchase, it can be possible to secure mortgage terms that would apply for a residential mortgage. Due to the additional work involved in assessing companies, banks are more reluctant to approve this type of operation. Generally, they will only look at such cases when the companies or individual(s) behind them have strong profiles.

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