Everything you need to know
before applying for a home loan
Practical guides, real advice and tools to make the best decision when buying a home in Portugal.
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Latest guides
Hidden costs of owning property in Portugal: the full picture for foreign owners in 2026
Beyond the mortgage, Portuguese property ownership comes with IMI, condominium fees, insurance, and more. Here's the complete ongoing cost breakdown for expat owners.
7 common mistakes when applying for a crédito habitação in Portugal (and how to avoid them)
Portuguese mortgage applications fail for predictable reasons. Here are the most costly errors expat buyers make — from missing NIF to misreading TAEG — and how to avoid them.
Self-employed mortgage in Portugal in 2026: how to get a crédito habitação as a freelancer or trabalhador independente
Getting a home loan in Portugal as a self-employed person requires specific documentation. Here's exactly what Portuguese banks need, how taxa de esforço works, and how to strengthen your application.
Renting vs buying in Portugal in 2026: a financial guide for expats
Should you rent or buy in Portugal? This guide breaks down the real numbers — purchase costs, rental yields, IMI, taxa de esforço — to help you make the right decision for your situation.
How much to save to buy property in Portugal in 2026: the complete breakdown
Beyond the 10% deposit, buying in Portugal costs more than most buyers expect. Here's exactly how much capital you need — IMT, IS, notary fees, and ongoing costs — for primary and secondary residences.