Example comparison

A ready-made comparison of three real mortgage offers, bank names hidden, on an invented loan. Spread, term, Euribor, insurance and discounts are all editable.

• Three real FINEs from September 2026, bank names hidden, priced on a €200,000 loan over 40 years for a €300,000 home, with two borrowers who qualify for IMT Jovem.
• Ranked by net cost over a 20-year horizon: everything paid, minus the principal repaid.
• Rate discounts next to the cost of the products that buy them, life and home insurance recalculated, fees and completion-day taxes.
• Euribor sensitivity, early repayment, and the verdict: which offer wins, and by how much.
• Every figure is editable, and you can add your own FINE to the comparison.

Portugal mortgage comparison · Glossary