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Ideal Mortgages

Real Estate Agents Mortgages Property Services Home Services Financial Services
Ideal Mortgages has been helping people find the right mortgage solution since 2013. Experts in the property market in Portugal, Ideal Mortgages is recognized as an approved mortgage broker with the Bank of Portugal and to date has helped secure €30m in property investment in Portugal.

With the right mortgage brokers working by your side, you can purchase a property in Portugal and apply for a mortgage of 70% and,in some cases, mortgage of up to 80%.. The length of term is flexible, but most clients opt for 20-25 years. All mortgages are repayment only and the age limit for getting one here is 75.

At the very beginning of your property search, whether it is for an investment property or a family home, if finance is required, Ideal Mortgages advises that you undertake a pre-qualifying process, which will clarify your possibilities of approval, repayment obligations and applicable terms. This knowledge and clarity helps you make an informed decision when the time comes to actually purchase.
There are several determining factors that come into play when applying for a mortgage in Portugal such as financial strength and property valuation. Ideal Mortgages will ensure you have all the necessary documentation to give you the best chance of approval. They’ll be by your side to ensure competitive rates the best conditions possible.

Ideal Mortgages is a partner company of Ideal Homes Portugal and has helped over 80% of their clients successfully negotiate mortgages. They can also assist with currency exchange and work with certified foreign exchange partners. Ideal Homes Portugal is the leading real estate broker in the region and has a fabulous portfolio of homes, investment and airbnb properties.

With the firm belief that property purchases do not need to be stressful experiences, Ideal Mortgages can assist in planning and choosing the right financial solutions for you. The team ensures that each client is well-informed and fully cognizant of their options, helping them make a decision on obtaining finance that is best suited to their particular circumstances. 

Check out the Ideal Homes Portugal YouTube Channel for insights into property purchases, mortgages and living in Portugal.

Detailed guide on mortgages in Portugal

How to apply for a mortgage in Portugal

Q & A with Ideal Mortgages Broker


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Vila Sol, Alto do Semino, Lote E, Loja 1, 2 & 3, Vilamoura, 8125-307

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