Portugal mortgage changes: what homebuyers need to know
If you are thinking of borrowing money from a bank to buy a home, it is worth reading on, as there are new rules to consider when taking out a mortgage. These guidelines have applied since 1 August 2026 and stem from a macroprudential recommendation by the Bank of Portugal (BdP). This week’s Deco Alerta column explains the details.
How to open a bank account in Portugal
Opening a bank account in Portugal is usually one of the early admin jobs when moving to the country.
Portugal’s housing crisis “becoming unsustainable”, warn banks
Portugal’s housing market is showing no signs of cooling.
Portugal NIB and IBAN: what's the difference?
The routines of our daily lives make us deal with different acronyms, especially in the economic and financial sector. This is something that's even more challenging for expats and foreigners living in Portugal, as these concepts can be completely different compared to one's home country.
Banks banned from charging early repayment fees until 2024
The government has decided to extend, until 31 December 2024, "the temporary suspension of the early repayment fee for variable-rate housing loan contracts or those that, having been contracted at a mixed interest rate, are in a variable-rate period or which, having been contracted at a mixed intere
Portuguese banks banned from charging fees on all mortgages
Portuguese banks will soon be more limited in charging fees for various banking operations. A bill approved by Parliament on Friday 14th April puts an end to the charging of abusive fees to all customers who have mortgage loans or loans for other purposes.
Repossessed property for sale in the Algarve, Portugal
Portuguese bank repossessions are becoming a more and more popular option for buyers to get a bargain property in places such as the Algarve.
5 tips for transferring your mortgage to another bank in Portugal
If you own a property in Portugal, transferring your mortgage to another bank is an operation that can help you save some money and get better bank financing conditions.
Repossessed property for sale in Portugal from 30,000 euros
When it comes to buying property in Portugal, it's a good idea to look into all the options on the market, including bank repossessions in Portugal.
How to get the best mortgage loan without spending more money
In order to be able to buy a house, one of the most common routes both for many Portuguese and expats is a mortgage loan. Banks are increasingly willing to finance the purchase of homes, interest rates are falling, and savings are on the rise.
Understanding mortgage spreads in Portugal
What is a mortgage "spread" and what impact does it have on the monthly installments paid to the bank each month in Portugal? The term, mortgage spread, basically refers to the profit the bank obtains by lending you money, normally when you have a variable-rate or mixed mortgage.
Euribor changes in Portugal - what this means for mortgage holders
2020 started with good news for those who applied for a mortgage, but this month, the scenario looks like it is changing, but only slightly for the time being.
Send money to Portugal from UK
If you have a second house in Portugal, it may often necessary to send money there to pay for bills, taxes and other living expenses, but it’s sometimes difficult to know how to do it, whether with banks or with money transfer companies.
What is a creditworthiness assessment: mortgage jargon explained so a child could understand it
Home loans (and other types of loans) are becoming more and more complex, with contracts written in excessively technical language that seems like it’s deliberately difficult for the consumer to understand, so you can’t make a truly informed decision between different banks and compare their mortgag
The OECD’s ‘recipe’ for making Portugal a better country
Portugal as a country is on the right track economically, but there is still much to do to promote more inclusive and sustainable growth.
How to send or transfer money in Portugal
Sending money in Portugal isn’t expensive or difficult. However, you do need to compare different services and their rates to find the best deal for you.
Negative Euribor in Portugal: what will change with the new law?
The law on negative Euribor (lei da Euribor negativa) was approved in the Portuguese Parliament and will bring about new changes. The measure is intended to oblige banks to apply Euribor in full to mortgages on real estate.