01.

Algarve

02.

Lisbon

03.

Porto

Portugal Mortgages

Portugal’s allure as an increasingly attractive destination for High Net Worth Individuals (HNWIs) extends beyond its captivating landscapes and rich cultural heritage to encompass a thriving and luxurious property market.

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Portugal Mortgages

Portugal’s allure as an increasingly attractive destination for High Net Worth Individuals (HNWIs) extends beyond its captivating landscapes and rich cultural heritage to encompass a thriving and luxurious property market.

Get in touch

Mortgages in Portugal

KNOWLEDGE AND EXPERTISE

Investing in high-value properties in Portugal offers a myriad of compelling reasons, making it an enticing prospect for discerning individuals seeking not just a residence, but a sophisticated lifestyle and strategic investment.

Here are some key reasons why purchasing a high-value property in Portugal is considered advantageous:

Golden Visa Program

Portugal’s Golden Visa Program is a significant attraction, allowing investors to obtain residency by investing in qualifying real estate projects. This opens the doors to European residency, enhancing mobility and access to the Schengen Area.

Tax Advantages

Portugal offers favorable tax regimes, including the Non-Habitual Resident (NHR) program, which can be particularly advantageous for high-net-worth individuals. Reduced tax rates on foreign-sourced income contribute to the overall financial appeal.

Quality Healthcare & Education

High-value property owners in Portugal can access top-notch healthcare facilities and international schools, ensuring a high quality of life for themselves and their families.

Strategic Investment

The stability of Portugal’s real estate market and the country’s economic growth make high-value properties attractive as strategic investments. These properties have the potential for appreciation over time, providing a solid foundation for wealth preservation and growth.

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How we can help

Retail Banks

Mortgage range: €1,000,000 – €5,000,000

Loan to value (LTV).

  • Up to 70% LTV for Portuguese expatriates (not in US or UAE).
  • Up to 60% LTV for European & Schengen Countries.
  • Up to 50% LTV for US, UAE & other territories (best case scenario).

Duration of mortgage facility.

  • Amortisation periods range from 10 to 30-years.
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Key Considerations

Affordability
Affordability is assessed with a stringent examination of the borrower’s income, financial stability, and credit history.
Proof of income
Proof of income over a 3-year period (average net income).
Holding structure of property
Holding structure of property – personal name or SPV (discuss with broker)
Age of borrower
Age of borrower – not suitable for borrower(s) over 65 years or retired.
Mortgage insurance
Mortgage insurance will be required from most lenders and should be considered when comparing each mortgage offer (discuss with broker for a quote).
Currency exchange
Currency exchange fluctuations can impact your repayments and will be considered by the lender. The credit department will discount the inter-bank exchange rate by a set % percentage upon mortgage application (discuss with broker for each currency).

Private Banks

Mortgage range: €2,000,000 +

European private banks push the boundaries of conventional banks and provide alternative solutions based upon the borrower(s)

Interest only

  • 100% LTV.
  • 5-year term.
  • Variable and fixed rate options.
  • Assets Under Management (AUM) required by lender to support mortgage facility and wider banking relationship.
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Key Considerations

Interest only
Interest only options for high-net-worth borrowers with a clear repayment strategy.
Mortgage capacity
Mortgage capacity suitable for entrepreneurs with a ‘complex’ income or variety of income sources.
Wealth management
Wealth management services includes investment advice, portfolio management, and specialised financial products that may not be available to the general public.
Mortgage insurance
Mortgage insurance is not typically required for a mortgage solution but should be considered (discuss with broker).
Privacy and confidentiality
Privacy and confidentiality prioritised with a discreet and secure environment for managing financial affairs.
In summary, purchasing a high-value property in Portugal is not merely a transaction; it’s an investment in a lifestyle enriched by culture, luxury, and strategic advantages. The combination of Portugal’s Golden Visa program, cultural richness, economic stability, and tax benefits makes it an appealing destination for high-net-worth individuals seeking a sophisticated and rewarding real estate investment.
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Explore Portugal

Algarve

Lisbon

Porto