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Notes from the Zephyr team on the Portuguese mortgage market, regulation and homeownership.
Why Use a Mortgage Broker in Portugal? The 5 Key Advantages
Buying property in Portugal? A mortgage broker can save you time, money and stress. Here are five compelling reasons to use one instead of going to the bank directly.
Buying Off-Plan in Portugal: Risks, Rewards, and Mortgage Considerations
Off-plan property purchases in Portugal offer potential savings but come with unique risks — especially around financing. Here's what buyers need to know.
How to Remortgage or Refinance Your Portuguese Property
Already have a mortgage in Portugal? You may be able to remortgage for a better rate or release equity. Here's how the refinancing process works.
Lisbon vs Porto: Where Should You Buy Property in Portugal?
Lisbon and Porto are Portugal's two biggest property markets. Compare prices, lifestyle, rental yields and investment potential before deciding where to buy.
NHR Tax Regime in Portugal: A Guide for New Residents
Portugal's Non-Habitual Resident (NHR) tax regime offers significant tax advantages for new residents. Here's how it works and who can benefit.
Golden Visa Portugal: What Changed in 2024 and What Still Applies
Portugal's Golden Visa rules changed significantly. Learn what still qualifies as a Golden Visa investment and how property buyers should adapt their strategy.
The True Cost of Buying Property in Portugal: Taxes, Fees & Hidden Costs
Beyond the purchase price, buying property in Portugal involves IMT, stamp duty, notary fees and more. Here's how to budget accurately before you sign.
Understanding LTV in Portugal: How Much Can You Borrow?
Loan-to-Value (LTV) rules in Portugal set how much you can borrow relative to the property value. Learn the limits and how they affect your purchase.
Fixed vs Variable Rate Mortgages in Portugal: Which Should You Choose?
Fixed or variable rate — understanding the difference is critical before you sign a Portuguese mortgage contract. Here's what each option means for your wallet.
How to Get a Mortgage in Portugal as a Foreigner: A Complete Guide
Everything expats and non-residents need to know about applying for a mortgage in Portugal — eligibility, documents, LTV limits, and tips for a smooth process.