Portugal mortgage guides

For home loans in Portugal only — offers from Portuguese banks, under Portuguese taxes and fees. The banks’ documents will still be in Portuguese; this page explains them in English.

Short, plain answers to the questions people ask before they sign a Portuguese mortgage: how to compare offers, how to read the FINE, whether a rate discount pays, which rate type to pick and what the purchase taxes come to. Every figure is the one the comparison itself computes with.

How to compare mortgage offers in Portugal: Why the rate, the monthly payment and the TAEG mislead, what to compare instead, and how to put Portuguese banks’ offers on the same assumptions.
How to read a Portuguese FINE (ESIS): The sections of a Portuguese FINE (ESIS) in order, what to check in each — index, spread, TAEG, MTIC, fees, insurance — and where it misleads.
Mortgage rate discounts in Portugal: are they worth it?: How to tell whether a Portuguese bank’s spread discount is worth the insurance, card or pension plan that buys it, and what happens if you cancel.
Fixed, mixed or variable rate in Portugal: How fixed, mixed and variable mortgage rates work in Portugal, what to compare on a mixed rate, and how to choose with a Euribor stress test.
IMT and stamp duty in Portugal (2026): The 2026 IMT table for Portugal, stamp duty on the purchase and on the loan, the young buyers’ exemption and deed costs, with worked examples.

Holding offers from more than one bank? Compare them on the same assumptions or see an example.