Secure Your Mortgage in Portugal with Independent Guidance

We compare mortgage offers from multiple Portuguese banks, at no cost to you, and support you through the entire process, from application to approval.

Request a Free Mortgage Simulation

Visão Financeira – Licensed credit intermediary registered with Banco de Portugal No. 4634.  We do not grant credit; we provide independent mortgage intermediation services.

Benefits of Using a Mortgage Broker

Handle the entire mortgage process remotely, without travelling to Portugal.

Get independent guidance from professionals who know the Portuguese banking system and Madeira’s local market.

Overcome language and bureaucracy barriers with expert support in English.

Access real offers from multiple banks, with transparent conditions.

How the Process Works

Request online

Fill in the form and send documents securely from abroad.

Receive tailored offers

Receive mortgage options from Portuguese banks, explained clearly in English.

Close your mortgage safely

Get full assistance until signing, including coordination with local notaries and banks in Madeira.

Looking for the right mortgage in Portugal?

Compare real offers from Portuguese banks with independent, expert guidance.

Request Your Free Simulation

Expat & Investor Information

Eligibility:

Foreigners and non-residents can obtain mortgages, typically up to 65–75% of the property value.

Requirements:

Proof of income, bank statements, Portuguese NIF, ID/passport.

For expats and digital nomads:

Solutions tailored to remote workers and new residents in Madeira.

For investors:

Financing available for holiday homes, second residences or rental properties.

Mortgage Simulators vs Intermediation

Online Mortgage Simulators

- Only provide indicative values
- Do not include insurance, profile or risk assessment
- May create unrealistic expectations
- Rarely consider non-resident conditions

Independent Mortgage Intermediary

- Provides real mortgage offers from several banks
- Negotiates better terms on your behalf
- Supports you through the full process, step by step
- Real offers adapted to your status as a foreign buyer

Ready to start your property journey in Madeira?

Receive simulations based on real conditions and choose the mortgage that fits your profile.

Request Your Free Simulation

Frequently Asked Questions about Mortgage Intermediation for Foreigners

1Can foreigners get a mortgage in Portugal?

Yes. Non-residents can apply for mortgages, but conditions differ from residents. Typically, banks finance 65–75% of the property value, requiring a larger down payment.

2What documents are required?

A valid passport/ID, Portuguese tax number (NIF), proof of income (payslips, tax returns), recent bank statements, and sometimes a credit report.

3Are there any additional costs?

Yes. Apart from the down payment, you must consider notary and registration fees, property valuation, stamp duty, and property transfer tax (IMT). But the intermediation process is free of charges.

4Is the intermediation service free?

Yes. Mortgage intermediation is free for clients. Our remuneration is provided by the banks, always disclosed transparently according to Portuguese regulations.

Contacts

(+351) 966 913 252

(Call to National Mobile Network and)

(+351) 291 224 455

(Call to National Fixed Network)

info@visaofinanceira.com

Rua da Fábrica, nº 20, Loja AB, R/C, 9050-019 Funchal. Madeira