Taxes, Legal & Cross-Border13 min read
Getting a mortgage in Portugal as a foreigner
What Portuguese banks lend a non-resident: the 90% and 80% central-bank ceilings, the 50% effort rate, Euribor in August 2026, and the full cost stack.
What Portuguese banks lend a non-resident: the 90% and 80% central-bank ceilings, the 50% effort rate, Euribor in August 2026, and the full cost stack.
What Slovak banks ask a foreign buyer for: the EU versus non-EU split, the 80% loan-to-value cap, 2026 rates near 3.5%, and the costs beyond interest.
Country-by-country guide to non-resident mortgages across 10 EU markets, who lends, typical LTV, loan currency, and the hurdles each country adds.