Portuguese Mortgages and home Loans

We offer a wide selection of Portuguese mortgages and home loans for anyone not currently residing in Portugal. We still listen to your requirements and find the best solution for you whether you're looking to buy your first Property in Portugal or you need a Portuguese home loan to make improvements to your existing property. Our mortgage solutions are designed to fit your specific needs.

Mortgage Amounts

We offer a minimum mortgage amount of 50,000 euros up to a maximum amount of 80% of the property valuation price (but no more than 100% of the property purchase price).

Mortgage Terms

From 1 to 30 years,
to be repaid by the age of 75.

Interest Rate Alternatives

Rounding up of indexes and interest rates

Rounded to the nearest thousandth.

Guarantee

First mortgage guarantee taken against the property.

Early Redemption

The fee charged to clients for either full or part early redemption is 0.50% for variable interest rate and 2.00% for fixed interest rate mortgages of amount repaid.

Costs payable by customer (non-refundable)

- Appraisal fee: EUR 750.00 (payable on acceptance of mortgage offer);

- Valuation fee: EUR 200.00 (payable on valuation instruction).

Documents

Find out more about our mortgage application required documents to submit a formal  home loan request.

Portugal Mortgages - Specialised Advisory Services

We have a dedicated team of English speakers based at Caixa Geral de Depósitos, at 10 King William Street, London, EC4N 7TW.

For more information or to request a loan simulation, please contact us on +44 7280 0280 or email: liveinportugal@cgd-uk.com.
You can also visit your nearest Caixa branch to find out more about home loans in Portugal or Caixa Branches and representative Offices abroad.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.

Multi-Options

Multi-Options is a secondary or additional home loan secured against the property to finance other associated costs. For example to build your dream swimming pool.

Amount

We offer a minimum loan amount of EUR 10,000.

Term

From 5 years,
up to the end of the period of the existing mortgage on the same property.

Interest rate

Variable interest rate linked to Euribor 6 months plus spread.

Fixed interest rate plus spread, choice of 2, 3, 5, 10, 15, 20, 25 or 30 years.

Principal and interest are paid monthly

Interest Rate Alternatives

Variable interest rate linked to Euribor 6 months plus spread.

Fixed interest rate plus spread, choice of 2, 3, 5, 10, 15, 20, 25 or 30 years.

For all alternatives, principal and interest are paid monthly.

View Interest Rates

Rounding up of indexes and interest rates

Rounded to the nearest thousandth.

Guarantee

First mortgage guarantee taken against the property. Guarantees of other financial investments may also be considered.

Early redemption

Caixa Geral de Depósitos may, in the event of full or part repayment, charge clients the following fees:

• Part repayment: 3% on the amount of the repayment of capital;
• Full repayment: 3% on the outstanding balance of the loan at 31 December of the preceding year, or on the initial capital, if payment is made in the same year in which the agreement has been entered into.

Costs payable by customer (non-refundable)

- EUR 750.00 appraisal fee (payable on acceptance of mortgage offer);

- A valuation fee: EUR 200.00 (payable on valuation instruction).

Documents

Find out more about our mortgage application required documents  to submit a formal loan request.

For more information or to request a home loan simulation, please visit our dedicated team of English speakers at Caixa Geral de Depósitos, no. 10 King William Street, London, EC4N 7TW, Tel: +44 20 7280 0280, or ring our 24 hours service on +351 217927530 or visit your nearest Caixa branch in Portugal or Caixa Branches and representative offices abroad.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.

Deposit Finance

We provide  loans to pay for the initial deposit required when buying off plan. You can also apply for a deposit finance loan if your mortgage has already been approved and you need help paying the first 25%.

The deposit finance loan is to be repaid once the final deed is signed and the property is purchased.

Amount

We offer up to 25% of the purchase or valuation (whichever the lesser).
A minimum amount of EUR 10,000.

Term

Up to 24 months.

Interest Rates Alternatives

Variable interest rate linked to Euribor 6 months plus spread.

Euribor rate(6 months) plus the applicable spread.

For all alternatives, principal and interest are paid monthly

View Interest Rates

Rounding up of indexes and interest rates

Rounded to the nearest thousandth.

Guarantee

First mortgage guarantee taken against the property.  Guarantees of other financial investments may also be considered.

Early Redemption

The fee charged to the client for either full or part early redemption is 0.50% for variable interest rate and 2% for fixed interest rate mortgages of amount repaid.

Costs payable by customer (non-refundable)

Appraisal fee: EUR 350.00 (payable on acceptance of loan offer).

For more information or to request a home loan simulation, please contact our dedicated team of English spearkers on telephone +44 20 7280 0280 or visit us at Caixa Geral de Depósitos, 10 King William Street, London, EC4N 7TW or your nearest Caixa branch in Portugal or Caixa Branches and representative offices abroad.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.