Mortgage for Residential Properties
Find the right residential mortgage with Elevate Finance.
Whether you’re buying your first home, upgrading to a larger property, or refinancing your current mortgage, our specialists help you secure the best residential mortgage in Portugal – with expert guidance, competitive rates, and transparent support every step of the way.
Your Home, Your Investment
Owning a home in Portugal is more than a lifestyle choice – it’s a smart investment in your future. At Elevate Finance, we work closely with individuals and families to identify the most suitable residential mortgage options based on their goals, income, and long-term plans.
Our advisors liaise directly with Portuguese banks and lenders to ensure you receive fair, competitive, and tailored financing solutions for your residential property.
What Is a Residential Mortgage?
A residential mortgage is a home loan used to purchase or refinance property that will serve as your primary residence. It differs from investment or commercial mortgages, as it’s designed specifically for owner-occupiers.
With Elevate Finance, you gain access to Portugal’s leading lenders and personalized mortgage plans suited to your needs, whether you’re a resident or non-resident.
Types of Residential Mortgages
We offer full assistance in finding and applying for various residential mortgage options, including:
Fixed-Rate Mortgages
Guaranteed rates for long-term financial stability
Variable-rate mortgages
Linked to Euribor, offering flexibility and potential savings
Mixed or Hybrid Mortgages
Combining fixed and variable elements for balance
Our role is to compare offers, explain the differences clearly, and help you choose the most cost-effective and secure structure for your situation.
Typical Loan Conditions
While conditions vary between lenders, most residential mortgages in Portugal include the following terms:
- Loan-to-Value (LTV): up to 90% for residents (typically 70–80% for non-residents)
- Term: up to 30–40 years (depending on age and income)
- Interest rates: fixed, variable, or hybrid (linked to Euribor)
- Documentation: proof of income, tax returns, identification, property details
Our advisors handle all communication with banks, ensuring your residential mortgage application is complete, compliant, and approved as efficiently as possible.
Why Choose Elevate Finance
With a foundation built on integrity and expertise, Elevate Finance is part of the Elevate Group, trusted for accounting, business, and financial services across Portugal.
We combine local market knowledge with an international outlook to ensure every client, whether Portuguese or foreign, receives tailored, reliable mortgage advice.
What we offer:
Access to top Portuguese banks and lenders
Expert comparison of mortgage products
Transparent guidance with no hidden fees
Full support from application to approval
We take care of the details so you can focus on moving into your new home with confidence.
Start Your Residential Mortgage Application
Your new home in Portugal starts here. Let Elevate Finance help you secure the perfect residential mortgage – straightforward, transparent, and designed around you.
📞 Contact our mortgage team today to explore your options and begin your application.