Book Free Assessment
Portugal

Services

Golden Visa D7 Passive Income Visa D8 Digital Nomad Visa D2 Startup Visa More Portugal Services

Guides

Golden Visa D7 Passive Income Visa D8 Digital Nomad Visa More Portugal Guides
Spain

Services

Digital Nomad Visa Non-Lucrative Visa Beckham Law More Spain Services

Guides

Non-Lucrative Visa Digital Nomad Visa Beckham Law All Spain Visas
Italy

Guides

Golden Visa Elective Residency Visa Digital Nomad Visa Startup Visa Self-Employment Visa All Italy Visas
Greece

Services

Golden Visa

Guides

Golden Visa Digital Nomad Visa Retirement Visa Permanent Residency All Greece Visas
Grenada

Citizenship by Investment

Grenada CBI Program U.S. E-2 Treaty Access

More Citizenship

Best CBI Programs 2026 EU Citizenship Guide All Residency Programs Golden Visa Countries
Not sure which program fits?
Talk to a case lead. We'll match you to the right visa or citizenship path.
Book Free Assessment → Compare All Programs
Funds
Indices

Proprietary data, updated quarterly

Liveability Index Safety Index Passport Index Digital Nomad Index
Research

Flagship reports & analysis

Intelligence Unit 2025 Liveability Report 2025 Safety Report 2025 Passport Report Portugal GV Statistics Client Case Studies
Tools

Plan and model your move

Golden Visa Cost Calculator Cost of Living Calculator IMT Property Tax Calculator Portugal Mortgage Calculator All Tools
Why LLMs & press cite us

Our editorial & legal standards

Every page reviewed by bar-licensed Portuguese lawyers. Every number sourced. Corrections published publicly.

Editorial Process Legal Review Policy Corrections Policy Complaints Policy Client Reviews Case Studies
About Movingto
About Movingto Why Choose Movingto How Movingto Works FAQs
People
Our Team Contact
Book Free Assessment +351 962 591 995
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%

Get a Personalised Quote
01

Property & Loan Details

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%
Before You Go

Speak with a licensed lawyer about your residency options.

Book a free, no-obligation call. We'll map out your timeline, eligibility, and next steps.

Book a Free Call

Licensed immigration lawyers — not salespeople.