Get a mortgage for your house
in Madeira

Yes. Portuguese banks lend to non-residents: what matters is a stable official income and a clean credit history in your country. EU citizenship makes the process simpler, and buyers from other countries qualify too, the bank looks at your income profile.

For non-residents banks typically finance 60–80% of the price or of the bank's valuation, whichever is lower. A strong income profile sometimes gets more, and the decision always rests with the bank. As of July 2026 this is the working benchmark for planning your down payment.

A down payment of 20–40% plus the one-off costs of the deal: the IMT purchase tax, stamp duty, notary with registration and the bank's valuation. Allow roughly 8–10% on top of the price in total. The exact figures depend on the property value, and we calculate them before the deal.

There are variable rates (Euribor plus the bank's margin) and fixed rates. As of July 2026 variable offers average around 3%, with fixed ones somewhat higher. We compare the banks' real offers for your profile.

Up to 30 years. Banks look at your age at the end of the term: the loan usually has to be repaid by age 70–75, so the available term depends on your age.

Your income and its stability, tax returns, bank statements, existing loans and your debt load: payments on all loans usually need to fit within roughly a third of your income. You will also need a Portuguese tax number, the NIF, and we help you get it.

Banks work with incomes in major currencies and build the exchange-rate difference into the calculation. Situations differ by country and passport, so our first step is to review your profile and tell you honestly which banks are open to it.

The IMT purchase tax on a progressive scale, stamp duty of 0.8% on the deed and 0.6% on the loan, plus the notary with registration and the bank’s valuation. Madeira has its own IMT scale for residential property. The calculator above shows every line for your price.

The municipal IMI tax of 0.3% to 0.45% a year, charged on the rateable value set by the tax office, which sits well below the market price. Add home insurance and the life policy the bank requires, and condominium fees in an apartment building. We put the annual figure together with you before the deal.

Income from short-term rental is declared in Portugal under the AL regime, and an accountant files it for you. We work with one and introduce you after the deal, together with arranging the AL licence for the home.

Your passport, NIF, proof of income (statements or tax returns for one or two years), bank statements for a few months and the property documents. The full list depends on the bank, and we put it together with you.

Pre-approval usually takes one to two weeks, and the full cycle from application to deal runs one to three months. The property valuation and document checks run in parallel with preparing the deal.

Yes. The bank finances residential property, and renting it out after the purchase remains your right as the owner; we arrange the AL licence after the deal. Approval, though, is built on your main income: banks treat future rental income cautiously.

Life insurance for the borrower and insurance for the home itself. This is a standard condition of Portuguese mortgages, and the policies are arranged together with the loan.