A mortgage offer isn't the same as what you can really spend. Enter your savings and income to see the most you could pay, after the deposit, every buying cost and tax, and common lending limits. Free.
Costs on top of the price
€18,106
Second home / investment ·
What do you want to work out?
The most you could pay, from your savings and income, after the deposit, buying costs and usual lending limits.
You could buy a home up to about
Mortgage
€466,342Deposit
€52,906Buying costs
€37,094Monthly repayment
€2,068If rates rise 1%
€2,335Savings used
€90,000A rough guide from common lending limits in Portugal (repayments up to about 45% of income, at most 90% of the price, terms up to 40 years). Not a mortgage offer or advice: lenders look at your debts, spending, credit history and the home itself. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Reach people working out the cost of buying in PortugalFor lawyers, brokers, surveyors and agents serving Portugal. Shown only on these pages, labelled as sponsored.Where are you buying?
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Questions
Lenders in Portugal usually keep the mortgage repayment under about 45% of your gross income, checked as if interest rates were higher than you'll pay. Enter your income above to see what that means for you.
Lenders usually lend up to about 90% of the price to people who live in Portugal, so you need a deposit of at least 10%. On top of that, buying costs come to about 6.0% of the price. If you live abroad, many lenders lend at most 70%.
Second home / investment: IMT is about €11,606. All buying costs together come to about €18,106, or 6.0% of the price. Change the price or buyer type above to see your own figure.
No. Foreign buyers pay the same purchase taxes as local buyers in Portugal. Some rules on who can buy, or which rate applies, can still depend on where you live.
No limits on foreign buyers.
A NIF (Portuguese tax number). A Portuguese bank account.
We last updated the figures on 16 Oct 2026 and checked them against official sources on 23 Oct 2026. We check every country every week, and show a warning if a check is overdue.
Guides
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