2026 Is Your Year to Buy a House in Portugal

Want to get in touch with Rafael? Email Kalie for an introduction: info@expatseverywhere.com Is 2026 a good time to buy a property in Portugal? Kalie from ExpatsEverywhere sits down with Rafael, the top mortgage broker for expats in Portugal, and discusses the housing market in Portugal. They talk about getting a mortgage, interest rates, the documents you need, how Rafael can help at no cost to you, and everything related to mortgages and properties in Portugal. 🌏 ABOUT US Hi! We’re Josh and Kalie, expats since 2009. We’ve lived in Spain, South Korea, Saudi Arabia, Singapore, and now Portugal (we know, we broke the “S” streak 😅). Follow ExpatsEverywhere for expat interviews, city breakdowns, travel tips, and more to help you live your best life abroad! 🛂 VISAS FOR PORTUGAL DIY your move with our step-by-step courses for Portugal's D7 and Remote Worker visas. 📌 D7 Visa Course https://expatseverywhere.thinkific.com/collections 📌 Remote Worker Visa Course https://expatseverywhere.thinkific.com/collections 👌 USEFUL RESOURCES Take the hassle out of expat life with these trusted services. 💸 Transfer Cash Wise (formerly TransferWise): Get free transfer fees with this link. https://bit.ly/4hfN8Rh Spartan FX: Speak to a person for money transfers here. https://bit.ly/4gVdzfh 📺 Watch Your Shows Securely SurfShark VPN: Get 40% off your subscription here. https://bit.ly/4hhxDs4 🔒 Digital Security Aura: Free trial for identity theft protection here. https://aura.com/expatseverywhere 🛡️ Insurance Abroad SafetyWing: Get coverage for expat life here. https://bit.ly/3PEqV3L 👣 Learn a Language Portuguese with Carla: Learn Portuguese here. https://journey.portuguesewithcarla.com/offer-collab/?ref=7 Portuguese with Leo: Get perfect pronunciation here. https://bit.ly/4ahs4b0 💌 Forward Your Mail Use World Post to stay connected here. https://www.worldpost.io 💵 Taxes Taxes for Expats: $25 off tax services here. https://www.taxesforexpats.com/ref/239 📲 GET IN TOUCH Questions? Email us at info@expatseverywhere.com or explore our website. https://expatseverywhere.com Follow us Facebook: @expatseverywhere Instagram: @expatseverywhere X: @expert_expat Patreon: Support us https://www.patreon.com/c/expatseverywhere Follow Kalie's white-glove service: https://www.instagram.com/kalie_slateandkey Chapters 00:00 - Intro 00:25 - Can foreigners buy a property in Portugal? 00:55 - Do you need to be living in Portugal to purchase a property and/or get a mortgage? 03:00 - What if you’re retired and making passive income? 04:05 - What documents do you need to show banks to get a mortgage to buy a property in Portugal? 05:00 - Should someone get pre-approved before looking to purchase a house? 06:20 - What fees do you take? 06:55 - Is it better to get a mortgage broker or go directly to a bank? 07:54 - Have you had clients make these mistakes before? 10:27 - Do you help the whole way during the purchase process? 11:11 - Is there an age maximum for getting a mortgage in Portugal? 12:12 - What are mortgage rates like in Portugal? 13:20 - Can someone purchase a property fully remotely? 14:35 - Is it possible to get a mortgage on renovations? 15:35 - Can someone refinance their mortgage in Portugal? 17:30 - What’s the difference between fixed and variable rates in Portugal? 18:49 - What's your advice for people based on 2026’s housing forecast?