HOME LOANS IN PORTUGAL
NON RESIDENTS

Financing solutions for non-resident foreigners or temporary residents who want to buy a house in Portugal as a second home or to rent out.

Aimed at permanent, secondary or rental housing, current conditions, term of up to 30 years (provided that the age of the holders does not exceed 75 years at the end of the loan).

Our Credit Intermediation services are FREE for all our clients

FINANCING FOR THE ACQUISITION OF HOUSING | From 50% to 80% of the valuation of the property to be acquired, not exceeding the value of the Deed. This information does not dispense with consulting the full conditions of the products presented by the banks.

We work with the following banks in Portugal: NOVO BANCO, SA, BANCO BIC PORTUGUÊS, SA, BANCO SANTANDER TOTTA, SA, CAIXA GERAL DE DEPÓSITOS, SA, BANCO CTT, SA, BANKINTER, SA - SUCURSAL EM PORTUGAL, UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL, BANCO BPI, SA.

Income documentation in England:

1. Taxpayer number in Portugal:

Portuguese tax number or citizen's card.

2. Identification document:

Passport.

3. Taxpayer number in England:

NIN - National Insurance Number.

4. Proof of Address:

• Utility Bill
• Bank Statement
• P60
• Drive Licence

5. Income Statement:

• P60 for employee
• SELF ASSESSMENT TAX COMPLETE, if self-employed.

6. Responsibilities in England:

Credit Report (obtained online by the client).

7. Pay slips:

The last 3 payslips.

8. Bank statements:

Bank statements for the last 3 months.

9. Statement of Service:

Employer's statement certifying:

• Position held
• Labour relationship
• Monthly salary
• Total amount paid in the last year or employment contract.

If you are married, we need the same information as your spouse.

Download the draft declaration of consent from the General Data Protection Regulation below or ask us by email: geral@capricho.pt