Mortgages for non-residents

Own Your Portugal Home — Without Speaking a Word of Portuguese.

We're a Banco de Portugal-licensed credit intermediary helping non-resident buyers finance property in Portugal. Pre-approval in 48 hours, fully in English, with zero flights required.

Get My Free Pre-Approval How It Works
Banco de Portugal Licensed 100% English Process Multi-Bank Comparison
Portugal home with sea view
48h
Pre-Approval in 48 Hours For non-resident applicants
200+
Mortgages Approved
48h
Avg. Pre-Approval
8+
Partner Banks
100%
English Support
A Simple Path

Your Portugal Mortgage in 4 Steps

No flying. No translators. No bank-by-bank phone tag. We do the heavy lifting from our Lisbon office while you stay home.

1

Free Assessment

Fill the form below. Tell us your goal and budget — we reply within hours.

2

Pre-Approval

We compare offers across all major Portuguese banks and send your conditional approval in 48h.

3

Property Match

Choose your home with confidence — you already know what you can borrow and at what rate.

4

Closing in English

We coordinate notary, lawyer, and bank. You sign in person or via power of attorney.

What We Finance

Mortgage Solutions Built for Non-Residents

Whether it's your future retirement villa, a Lisbon apartment investment, or refinancing what you already own — we have the right lender.

Primary Residence

Planning to relocate or retire in Portugal? Up to 70% LTV for non-resident primary homes, fixed or variable rates.

Holiday & Second Home

Algarve, Lisbon, Porto, Madeira, Azores. Finance your getaway with rates starting from 3.9% (subject to approval).

Investment Property

Short-term rental (AL) and long-term rental financing. We build the case for the bank — including projected income.

Refinancing

Already own in Portugal? We renegotiate your existing mortgage across all major banks to lower your monthly payment.

Construction Loans

Buying land or building from scratch? Specialized financing with staged disbursements aligned with construction milestones.

Bridge Financing

Need to close fast before another property sells? Short-term solutions to bridge the gap.

Your North American Desk

Meet the Team Closing Your Deal

Licensed credit intermediaries authorized by Banco de Portugal.

João Bispo

João Bispo

Credit Intermediary
Bruno Andrade

Bruno Andrade

Credit Intermediary
José Lourenço

José Lourenço

Credit Intermediary
What Buyers Say

Real Closings. Real Keys.

★★★★★

"We were drowning in Portuguese paperwork from three banks. Bruno took it all over and had us pre-approved in two days. Closed on our Cascais home eight weeks later."

USA
Sarah & James M.
Tampa, Florida → Cascais
★★★★★

"I was ready to give up on financing and pay cash. MaxFinance found a bank that approved a 65% LTV on my Lisbon apartment as a Canadian — without setting foot in Portugal."

Canada
David L.
Toronto, ON → Lisbon
★★★★★

"They saved me $340/month by refinancing the mortgage I already had. Took less than a month from first call to signature. All in English."

USA
Michelle R.
San Diego, CA → Lagos
Free Assessment

Get Pre-Approved in 48 Hours

Two short steps. No commitment. We'll come back with rates from up to 15 Portuguese banks.

What you get back

A licensed advisor reviews your situation personally and replies with a rate range, max loan amount, and the documents the best-fit banks will need.

  • Rate comparison across all major Portuguese banks
  • Realistic loan-to-value range for your profile
  • Document checklist tailored to your country
  • WhatsApp & email reply within hours, not days
  • Zero fees to apply — we earn from the bank

Step 1 of 2 — About You

We'll never share your contact details. Used only to send your pre-approval.

Step 2 of 2 — About Your Mortgage

Quick details so we can match you with the right banks.

By submitting you agree to be contacted by MaxFinance Grupo Empire about your mortgage. Your data is used only for this purpose and never shared with third parties. Privacy Policy

Frequently Asked

Common Questions from Non-Resident Buyers

Do I need to be a Portuguese resident to get a mortgage?
No. Portuguese banks lend to non-residents, including U.S. and Canadian citizens, typically at 60–70% loan-to-value. We specialize in this exact profile.
What documents will I need from the U.S. or Canada?
Generally: 2 years of tax returns, 3 months of pay stubs or self-employment income proof, bank statements, ID, and your Portuguese tax number (NIF — we help you get one). We send a tailored checklist after pre-approval.
What rates can I expect as a non-resident?
Variable rates start around 3.9% and fixed rates around 4.2% (subject to ECB Euribor and your profile). Non-resident rates are typically 0.3–0.5% higher than resident rates.
Do I have to fly to Portugal to sign?
Not necessarily. You can grant power of attorney to a Portuguese lawyer (we coordinate this) and sign everything from your home country. Many of our clients close without ever flying for the signature.
How much does your service cost?
Our brokerage service is free for you. The lending bank pays our fee upon successful closing. You only pay standard banking fees, notary, and registration — same as any Portugal mortgage.
How long does the whole process take?
Pre-approval in 48 hours. Full approval typically 2–4 weeks. Closing depends on the property — usually 6–10 weeks from offer accepted to keys in hand.