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Mortgage Calculator Portugal
Compare rates for foreigners from every major Portuguese bank
We handle your mortgage
Initial comparison in 2 minutes
Get an initial comparison in 2 minutes and receive a personalised proposal within 48h.
Get the best possible rate for Residents, expats & non-residents
Compare all Portuguese banks in 2 minutes and personalised proposals in 48h
Free service — we help you get the mortgage and handle everything remotely
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Verified by specialist:We compare every bank in Portugal with solutions for foreigners and non-residents
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Find a mortgage deal in Portugal: this is what worry-free looks like
Moving to Portugal — or buying property from abroad — is already a big decision on its own. The mortgage process doesn't have to make it harder.
At ComparaJá, we handle everything for you — from comparing rates to negotiating with banks — and help you find the right option for your specific situation.
No endless paperwork.
No meetings at five different banks.
No 2am doubts about whether you're making the right call.
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4 steps to get your mortgage in Portugal
We handle everything remotely. You don't need to be in Portugal until the day of signing.
Simulate in 2 minutes
Enter your loan amount and term. No commitment, no personal data required at this stage.
We analyse your profile
A dedicated advisor reviews your income, residency status and financial profile as a non-resident.
We compare all banks
We negotiate on your behalf with all partner banks and deliver the best proposals within 48 hours.
We support you until signing
All paperwork is managed remotely. You only need to be present on the day of the deed.
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Getting a mortgage in Portugal as a foreigner doesn't have to be complicated
This is what having the right advisor gets you.
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Fully remote processYou never need to visit Portugal before the deed. All documentation is handled by email and video call.
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We understand international incomePounds, dollars, euros, Swiss francs — banks accept foreign income and we know exactly how to present your case.
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We negotiate with every bank on your behalfOne request, all proposals. We compare the entire market and present the most competitive terms for your profile.
Main banks with mortgage solutions for foreigners and non-residents
Several Portuguese banks have structured products for buyers living abroad. Conditions vary significantly — which is why comparing before deciding makes all the difference.
| Bank | What they offer | |
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Dedicated solutions for non-resident foreigners, with a dedicated support team throughout the process. | Compare rates |
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Solutions for Portuguese citizens living abroad, including the option to complete the process fully online. | Compare rates |
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Structured mortgage solutions for direct purchase or for those planning a move to Portugal. | Compare rates |
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Focused on fixed-rate conditions for non-residents — an advantage in uncertain interest rate environments. | Compare rates |
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banks |
Other partner banks also offer competitive conditions for non-residents. ComparaJá analyses every option available for your specific case. | Compare rates |
Documents you'll need to prepare
Requirements vary slightly from bank to bank. Your ComparaJá advisor confirms exactly what each bank needs and helps you gather everything.
What our clients say about us
We were living in the US and had no idea how to get a mortgage in Portugal. From the very first call, the ComparaJá team made everything feel manageable. They handled all the bank negotiations remotely, kept us updated at every step, and we got a rate we didn't expect to find. We're now the proud owners of a home in the Algarve.
When I first looked into getting a mortgage in Portugal as a Dutch citizen, I expected a bureaucratic nightmare. ComparaJá completely changed that experience. They compared five banks on my behalf, explained every detail in plain English, and had a proposal ready within two days. I couldn't have done this without them.
My mortgage application was handled by Ana from ComparaJá and her support throughout the process was outstanding. She was always available to answer my questions, knew exactly which banks would consider my Irish income, and guided me through every document. I now have a home near Porto and couldn't be happier.
Why choose ComparaJá?
Numbers that speak for themselves.
Total savings delivered
to our clients
Families who trusted
ComparaJá
Average monthly savings
per client
Frequently asked questions
Straight answers to the most common questions from foreigners looking to buy property in Portugal.
Comparajá, S.A. é um Intermediário de Crédito vinculado sem regime de exclusividade e registado no Banco de Portugal com o n° 0000375, estando autorizado para: a) apresentação ou proposta de contratos de crédito a consumidores b) assistência a consumidores mediante a realização de atos preparatórios ou de trabalhos de gestão pré-contratual de contratos de crédito não propostos ou apresentados por si c) prestação de serviços de consultoria. Mutuantes: Banco Santander Totta, S.A., Banco BIC Português S.A., Banco Comercial Português S.A., Bankinter, S.A. - Sucursal em Portugal, Banco CTT, S.A., Caixa Geral de Depósitos S.A., Banco BPI S.A., Novo Banco S.A., Union de Créditos Inmobiliários, S.A., Establecimiento Financiero de Crédito (Sociedad Unipersonal) – Sucursal em Portugal, Abanca Corporación Bancária, S.A, Sucursal em Portugal, BNI – Banco de Negócios Internacional (Europa), S.A., Cofidis, Montepio Crédito – Instituição Financeira de Crédito S.A., Caixa Central de Crédito Agrícola Mútuo, Unicre – Instituição Financeira de Crédito, S.A., Bankinter Consumer Finance, EFC, S.A.,Cofidis - Cofidis, Sucursal em Portugal, Cetelem - Bnp Paribas Personal Finance, S.A. - Sucursal Em Portugal, Younited - Younited S.A. - Sucursal Em Portugal, Unibanco - Unicre - Instituição Financeira de Crédito, S.A, Banco Activobank, S.A