Mortgage for Non-Residents
Find the best mortgages in Portugal for non-residents with Elevate Finance.
Whether you’re planning to buy a holiday home, an investment property, or relocate in the future, our team helps international buyers secure the right Portugal mortgage for non-residents – efficiently, transparently, and with expert local support.
Your Path to Property Ownership in Portugal
Buying property in Portugal as a non-resident can be an exciting opportunity – but also a complex process. At Elevate Finance, we simplify every step, guiding you through the financial, legal, and administrative requirements needed to secure a mortgage in Portugal for non-residents.
Our experts work directly with Portuguese banks and financial institutions to ensure that you receive the most competitive rates, favorable terms, and a smooth application process.
Who Can Apply for a Non-Resident Mortgage
Non-resident mortgages in Portugal are available to individuals who live abroad but wish to purchase property in Portugal. This includes:
- EU and non-EU citizens
- Foreign investors
- Expats planning to relocate in the future
- Holiday home buyers or rental property investors
Even if your income or assets are held outside Portugal, Elevate Finance can help you navigate the eligibility criteria and document requirements specific to Portugal mortgages for non-residents.
Mortgage Options for Non-Residents
We help you compare and apply for different mortgage Portugal non-resident options, such as:
Fixed-Rate Mortgages
predictable monthly payments and long-term stability
Variable-Rate Mortgages
Linked to the Euribor rate, offering flexibility and potential savings
Hybrid Mortgages
combining fixed and variable elements for tailored solutions
Our goal is to ensure you understand all available financing structures before making a decision.
Typical Loan Conditions
While conditions vary between lenders, here’s what most non-resident borrowers can expect:
- Loan-to-Value (LTV): up to 70%–80% of the property value
- Loan terms: up to 30 years (depending on age and profile)
- Interest rates: competitive rates aligned with Euribor benchmarks
- Required documents: proof of income, bank statements, identification, and credit history
We manage the entire process – from initial consultation to final approval – liaising directly with banks to ensure your non-resident mortgage is approved efficiently.
Why Choose Elevate Finance
As a part of the Elevate Group, known for its excellence in accounting and business advisory services, Elevate Finance offers an integrated financial solution. Our expertise combines local insight with international understanding, ensuring non-resident clients receive tailored advice and complete transparency.
Dedicated mortgage specialists
Partnerships with trusted Portuguese banks
English-speaking support
End-to-end assistance - from pre-approval to property completion
Start Your Mortgage Application Today
Owning property in Portugal is more accessible than you might think. Let Elevate Finance guide you through the process of securing your mortgage in Portugal for non-residents with confidence.