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Calculator 2025

Portugal Mortgage Calculator

Calculate your monthly mortgage payments with accurate Portuguese banking requirements and current market rates.

đź’ˇ Current average rates: 3.5-4.5% | Max LTV: 80% | Max debt-to-income: 30%
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
Dec 2054
Interest Paid
98.3%
Dean and Ana
Independent & Founder-Led
We created Movingto after relocating across Europe ourselves. Today we deliver an independent attorney process with clear fees and fast responses—plus a fact-only fund directory to compare options. No investment advice.

See what Movingto clients are saying

2,678+ happy customers
Dan R - Verified Review
Star Group
“Movingto is seriously awesome! I was planning to expand my business to Portugal from the US and wasn't sure where to start, especially with my wife and kids tagging along. Movingto - they were incredible, providing me with all the info about the D2 visa..."
Judy Irene - Verified Review
Star Group
“Such a pleasure to work with! Made the tasks that seemed daunting into just getting it done! Highly recommend!"
Oscar Eel - Verified Review
Star Group
“Movingto helped me getting a digital nomad visa for Portugal. My job is in UK and I can work remotely from anywhere. They also introduced me to the benefits of the NHR and I’ve been saving a lot of money while traveling. I couldn’t recommend them more"
Bari Fahri - Verified Review
Star Group
“Ariane was Very professional.A very good experience and highly recommended for everyone who need help with immigration procedures"
Chris Coyier - Verified Review
Star Group
“I used this service to get a NIF number for my father. They managed to get it in less than 7 days, gave me a log in to manage the number as well.I haven't got around to using it for their other services yet, but it worked well for me."
Georgie Brown - Verified Review
Star Group
“Extremely help full and efficient, thank you so much!"
Ikraam - Verified Review
Star Group
“Movingto demonstrated exceptional dedication in assisting my family and me with our relocation to Portugal. I wholeheartedly recommend their services for anyone looking to make a smooth and successful transition to Portugal."
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Address: Edificio, Avenida Dom JoĂŁo II, R. do Mar Vermelho 50, 1990-095 Lisboa | Phone number: 962591995

Disclaimer: Moving To Global Pte Ltd is not licensed to provide investment advice. All fund content is general information compiled from public sources and manager disclosures. It does not consider your objectives or risk profile. Speak with a licensed financial adviser before investing. We can introduce you to advisers on request. Movingto provides administrative coordination only. Legal, tax, and investment advice are provided solely by independent professionals engaged directly by clients.
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