The monthly payment is only part of the picture. Free mortgage calculator for Portugal: monthly repayments, deposit and the cash you need on day one, including every buying cost and tax.
Costs on top of the price
€18,106
Second home / investment ·
What do you want to work out?
Your monthly repayments, the deposit and the cash you need on day one.
Monthly repayment
Loan
€225,000Deposit
€75,000Total interest
€134,220If rates rise 1%
€1,127If rates rise 2%
€1,263Cash needed on day one
€93,106Example rate only, not a quote or mortgage advice. Rates change daily and depend on you; speak to a lender or a regulated mortgage broker. 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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Next steps
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Questions
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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