Mortgages in Portugal for non-resident and new-resident Americans
MortgageDirect is a Portugal-licensed mortgage broker that places loans for non-residents and new residents — including Americans on D7 / D8 / Golden Visa pathways. They negotiate with multiple Portuguese banks on your behalf and structure documentation for U.S. income.
Submit a mortgage enquiry →Portuguese banks lend to non-residents and to new residents — but the documentation is structured very differently from a U.S. mortgage. Your U.S. tax returns need to be translated and sometimes sworn. Your U.S. income needs to be reformatted into the Portuguese bank’s expected format. Loan-to-value caps for non-residents are typically 70%, vs 80–90% for residents. MortgageDirect places thousands of mortgages a year for foreign buyers in Portugal and knows which banks are easiest with Americans, which are stricter on D7-source income, and which have the fastest underwriting.
Multi-bank shopping
They quote you across the major Portuguese banks (Millennium, Santander, BPI, Novo Banco) in one go.
U.S. income paperwork
They reformat U.S. W-2s, 1099s, tax returns, and brokerage statements into what Portuguese banks expect.
Resident + non-resident
Loans available before you have your AIMA card and after you become a tax resident.
When to use a broker vs going direct to a bank
You can walk into a Portuguese branch and apply directly. For Americans without a NIF / fiscal representative / Portuguese tax history, this almost always results in either rejection or a much slower process than a broker would deliver. MortgageDirect’s value is the relationships and the pre-formatted document templates — they know which underwriter at which bank will say yes to your specific income profile. Their commission is paid by the bank, not by you, so the broker layer doesn’t cost extra at the borrower level.
- Portugal-licensed broker placing loans across major Portuguese banks
- Non-resident mortgages for buyers without Portuguese residency yet
- U.S. income reformatting for D7, D8, Golden Visa, employment, retirement income
- Multi-bank quotes in a single application
- English-speaking team familiar with American buyers
Get a Portugal mortgage quote →
Editorial recommendation. Portugalguru may earn a referral fee. MortgageDirect is an independent licensed broker; final loan terms are issued by the lending Portuguese bank.