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Rate type
Variable Rate
Mixed Rate
Fixed Rate
Project type
Property Purchase
Refinance
Construction
Investment
Tax status
🇵🇹
Portuguese tax resident
🇪🇺
EU country tax resident
🇺🇸 🇬🇧
USA - UK - Europe
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Other
Buyer aged 35 or under (PT resident, 1st residence)
IMT Jovem 2026 full exemption from IMT and stamp duty up to €330,539
New IMT rule in effect since May 20, 2026
As a non-Portuguese tax resident, IMT applies at a flat rate of 7.5% on the purchase price, regardless of the property value or its use. This tax is only refundable under specific legal conditions. Our specialists will assess your eligibility during the credit process.
Your budget
Property value
150 000 €
50 000 €
5 000 000 €
Down payment
15 000 €
0 €
1 000 000 €
Your income
Monthly net income
3 000 €
800 €
80 000 €
Monthly Charges
500 €
0 €
10 000 €
Loan Duration
Duration
25 years
10 years
40 years
Warning: the maximum age at the end of the loan must be 75 years
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