Your starting point
Compare what you would pay across different assumptions. A calculator helps you explore a scenario; only a lender can assess an application and offer credit.
Deposit, loan-to-value and affordability describe different parts of a financing decision. Use the steps below to organise a decision, not to infer an official approval, a guaranteed price or a universal deadline.
Work through the decision
Separate cash needs
Include transaction costs and reserves as well as the part of the price not financed.
Calculate loan-to-value
Divide the loan by the relevant property value, while asking the lender which valuation it uses.
Stress monthly costs
Test higher rates and income interruptions without treating the result as a lending decision.
Adapt this to your circumstances
Keep citizenship, current residence, household needs and the location of the home separate in your notes. Ask the responsible authority, institution or qualified professional to confirm any requirement that affects your situation. A checklist used by another household may not apply to yours.
Sources and checks
Banco de Portugal — mortgage interest rates — an official starting point for this topic. The relevant page, its scope and effective date must be checked before a consequential decision.
No market prices, eligibility thresholds or legal deadlines have been invented for this guide. Dates in personal planning tools are suggestions or values you supply.
Make it practical
Open the Mortgage Scenario Calculator to keep the information you collect with your own assumptions, notes and next actions.
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