Calculator

Portugal Mortgage Calculator

Calculate your monthly mortgage payments with accurate Portuguese banking requirements and current market rates.

💡 Current average rates: 3.5-4.5% | Max LTV: 80% | Max debt-to-income: 30%
Property Price €650,000
Down Payment 20%
Loan Term 30 years
Interest Rate (TAEG) 4.0%
Monthly Payment
€2,864
Principal & Interest
Loan Amount
€520,000
Total Interest
€511,040
Total Cost
€1,031,040
LTV Ratio
80%
Income Requirements
€11,547
Monthly Income Needed
€138,564
Annual Income Needed
Portuguese Bank Stress Test
€3,156
Payment if rates increase to 6.0%
Complete Monthly Cost
Principal & Interest
€2,864
IMI (Property Tax)
€271
Home Insurance
€98
Life Insurance
€130
Total Monthly Cost
€3,363

Mortgage Summary

Based on current Portuguese banking requirements and market conditions.

DTI Ratio
29.1%
Payoff Date
Jan 2056
Interest Paid
98.3%
Private Community
Portugal Golden Visa for Americans
Connect with US investors navigating the Golden Visa process.
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Dean and Ana
Independent & Founder-Led
We’re Dean and Ana. We moved our family across Europe and built the Golden Visa service we wish existed: real lawyers from day one, direct answers, clear fees, and a fund comparison that speaks human. Strategy, track record, liquidity, and U.S. suitability, so you can decide in days, not months.

We keep momentum with same-day replies and tight checklists from first call to submission.

If something’s slow or risky, we say it. If there’s a cleaner route, we steer you there. The goal is simple: remove noise, keep you in control, and make approval feel inevitable.

See what Movingto clients are saying

Dan R - Verified Review
Star Group
“Movingto is seriously awesome! I was planning to expand my business to Portugal from the US and wasn't sure where to start, especially with my wife and kids tagging along. Movingto - they were incredible, providing me with all the info about the D2 visa..."
Judy Irene - Verified Review
Star Group
“Such a pleasure to work with! Made the tasks that seemed daunting into just getting it done! Highly recommend!"
Oscar Eel - Verified Review
Star Group
“Movingto helped me getting a digital nomad visa for Portugal. My job is in UK and I can work remotely from anywhere. They also introduced me to the benefits of the NHR and I’ve been saving a lot of money while traveling. I couldn’t recommend them more"
Bari Fahri - Verified Review
Star Group
“Ariane was Very professional.A very good experience and highly recommended for everyone who need help with immigration procedures"
Chris Coyier - Verified Review
Star Group
“I used this service to get a NIF number for my father. They managed to get it in less than 7 days, gave me a log in to manage the number as well.I haven't got around to using it for their other services yet, but it worked well for me."
Georgie Brown - Verified Review
Star Group
“Extremely help full and efficient, thank you so much!"
Ikraam - Verified Review
Star Group
“Movingto demonstrated exceptional dedication in assisting my family and me with our relocation to Portugal. I wholeheartedly recommend their services for anyone looking to make a smooth and successful transition to Portugal."
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Legal disclaimer: Movingto is an immigration firm with licensed lawyers. Content on this site is provided for general informational purposes.