Mortgages for non-residents and foreigners
Financing up to 80% of the property value (LTV) for non-residents buying a home in Portugal, with the entire process handled in English or Portuguese — from NIF to closing.
Decisão Ordenada, Lda · Tied Credit Intermediary
The right credit,at no cost to you.
Mortgage in Portugal with the Best Market Rates — 100% Free
I compare proposals from multiple banks, negotiate on your behalf and find the best solution for your mortgage, mortgage transfer or renegotiation — with no fees and no commissions.
100% free service
Reply within 24h
Personalised advisory
Diogo Almeida
Branch Manager · Mortgage Advisor
★ 100% recommend
Estimate your paymentEuribor 6M: 2.75%
Loan amount250 000 €
Term30 years
Spread1.00%
Estimated payment
1158 €/mo
Indicative rate: 3.75%
Indicative estimate only. Subject to bank analysis and market conditions.
Authority · Trust
Mortgage in Portugal, Negotiated for You. At No Cost.
In 2025, we helped 1,046 families secure over €200M in mortgage credit — always with the best rate, the best spread and the best conditions on the market, completely free of charge.
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Families helped
€0M+
Financed
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Banks
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Finance houses
Banks and finance houses I work with
Services
Premium mortgage & insurance solutions in Portugal
A single point of contact for mortgage, transfer, renegotiation and insurance — clear decisions, best rate, best conditions.
Property Purchase
Mortgage simulation and full negotiation with the leading Portuguese banks — best rate, best spread and best APRC to buy your next property in Portugal.
Transfer & Refinancing
Mortgage transfer and spread renegotiation: lower your monthly payment and save thousands over the loan term.
Mortgage for Non-Residents
Non-resident mortgage in Portugal for foreigners and expats. Full process handled in English or Portuguese, from first contact to closing.
Equity Release
Unlock the equity in your home to invest, renovate or consolidate debt at the best market rates.
Life Insurance
Mortgage life insurance: independent comparison of the best policies to protect your family and your home.
Health Insurance
Private health insurance with fast access to private healthcare and coverage tailored to you and your family.
Process
A simple process, from start to finish
01
First Contact
We talk about your project and goals — with no commitment and no cost.
02
Analysis & Strategy
Detailed analysis, financial profiling and definition of the best strategy for your case.
03
Presentation of Proposals
I present, side by side, the proposals each bank has for you — rate, spread, APRC and insurance.
04
Approval & Closing
I handle approval, property valuation and closing. You only sign where indicated.
Reviews
Clients who trusted me
100% recommend · 52 reviews on Facebook
"I had an excellent experience working with Diogo. He is exceptionally knowledgeable about Portuguese banks and the full range of loan structures. What can often be a confusing process felt organized and manageable because of his guidance."
Michael Phillip Levine
Mortgage - Home Purchase
Moments · Closings
Moments with my clients
Every closing is a life that changes. Every key handed over, a story. These are some of the moments that confirm why I do what I do.
2026 Guide
Mortgages in Portugal: everything you need to know
Rates, spreads, Euribor, the 45% (DSTI) rule and non-resident mortgages — explained simply so you can make the best decision in 2026.
Mortgage transfer & refinancing
Lower your spread and monthly payment by transferring your mortgage to another bank. I run a free analysis and benchmark offers to maximise your savings.
Euribor, spread and APRC explained
Understand the difference between variable (Euribor 6M/12M + spread), mixed and fixed rates, and choose the best mortgage option for your profile in 2026.
The Bank of Portugal 45% (DSTI) rule
The maximum recommended effort rate affects how much you can borrow. I explain how it's calculated and how to structure financing to get approved.
Documents and approval timelines
Tax return, payslips, bank statements, NIF and credit liability report. The viability analysis takes just 2 to 3 days.
Best mortgage rates in Portugal
I compare 10 banks and 2 finance houses at once to find the best spread, best APRC and best conditions — at no cost to you.
Articles & guides
Non-resident mortgages in Portugal 2026Fixed, variable or mixed rate? Euribor & spreadThe 45% (DSTI) rule: how much can I borrowIMT & the costs of buying a home in PortugalMortgage life insurance: how to saveBuying a home with Golden Visa or D7 visaEstimator vs. real offer: why it changesBuying a home at auction: step by stepMortgages for self-employed (recibos verdes)
Frequently asked
Frequently asked questions
Let's talk
Let's find the best solution for you
Fill in the form and I'll reply within 24h. Or book a meeting directly on the calendar.