What Will I Need?
What information will I need to supply, for a mortgage in Portugal?
General
- Portuguese Tax Number (Número Fiscal de Contribuinte)
- Copy of ID card(s) or passport(s)
- Last three month’s statements of your current account
- Last three month’s statements of your savings account(s)
- Confirmation / valuation of other savings such as ISA’s, share portfolio’s, endowment policies
- Utility bill confirming the address in your home country
- Bank reference letter from your main bank
- If constructing or renovating a property – copies of the Planning Permission and Building Licences and the building quote.
If employed
- Last year tax returns (P60 in the UK)
- Last three month’s pay slips
- Reference from employer, referring that you have a permanent job (simple letter stating that you have been working with the company for a certain time) along with your terms of employment
If employed by a limited company
with a shareholding of 20% or more, or Self Employed
- Latest personal tax return
- Latest Company tax return
- Last 3 month’s business bank statements
- Latest Profit & Loss accounts, signed by your accountants.
Other Income (if applicable)
- Confirmation of Pension received for the last three months
- Confirmation of Rent received – copy tenancy agreement
- Copy of bank statements showing rent payments
Liabilities (if requested by the mortgage broker)
- Latest mortgage statement(s)
- Details of personal loans (principal due, monthly installments)
- Copy of tenancy agreement.
- (Some banks require a credit report for each applicant)
Information required regarding the property (To be provided by the seller or your Lawyer)
To contact a mortgage broker to discover how we can help to make the whole process easier and cheaper for you, please use the contact form here, or call us.
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