To obtain a mortgage in Portugal, the process is similar to that in other countries. General steps:

Research and choose the bank: Compare rates, terms, and conditions.

Use a credit intermediary: A trusted partner can help you find the best solution.

Eligibility requirements: Proof of income, employment, and financial history.

Documentation: ID, income proof, bank statements, tax returns, among others.

Pre-approval: Indicates financing capacity and strengthens the offer to the seller.

Product selection: Fixed, variable, or mixed rate.

Formal application: Submission of the request and documentation.

Analysis and decision: The bank assesses risk and approves or rejects the loan.

Deed: In case of approval, signing of the credit agreement and purchase deed.

Requirements may vary depending on personal circumstances and the bank’s policy. A specialised partner can provide personalised advice.