Mortgage simulator

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Simulate your investment in Portugal

Step 1 of 3

1. Profile2. Property3. Loan

Purchase goal

Fiscal status

Buyer is 35 or under (PT resident, first home)

IMT Jovem 2026 — full IMT & stamp duty exemption up to €330,539

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Estimated monthly payment

€1,032

Loan

€270,000

LTV

90.0%

Rate

2.25%

Term

30 years

Estimate of overall costs

Taxes

IMT (Imposto Municipal)€10,542

Purchase Stamp Duty (0.8%)€2,400

Mortgage Stamp Duty (0.6%)€1,620

Subtotal taxes€14,562

Other fees

Bank fees (application + valuation)~€1,050

Notary & registry~€1,000

Subtotal fees€2,050

Your capital

Available deposit€30,000

+ Taxes & fees€16,612

Recommended capital€46,612

Mortgage

Loan amount€270,000

Rate (Mixed 2 years)2.25%

Term30 years (360 months)

Monthly payment€1,032/mo

Property cost€300,000

Purchase taxes & fees (IMT + 0.8% + notary)€13,942

Mortgage taxes & fees (0.6% + bank)€2,670

Total interest (30 y)€101,543

Total project cost€418,155

* IMT & Stamp Duty 2026 (AT n°40129/2026). Current best market rates. Non-binding simulation.
* Insurance costs (life & home insurance, mandatory with the mortgage) are not included in the totals above and will be added to your monthly payment.