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Expat Guide

Getting a Portuguese Mortgage as a Foreign Resident in 2026 — The 60-to-90 Per Cent LTV Ladder, the Euribor-Plus-Spread Indexante, the FINE Form, the BdP Stress-Test Premium, and What Actually Lands at the Notarial Escritura

Getting a Portuguese Mortgage as a Foreign Resident in 2026 — The 60-to-90 Per Cent LTV Ladder, the Euribor-Plus-Spread Indexante, the FINE Form, the BdP Stress-Test Premium, and What Actually Lands at the Notarial Escritura

The Portuguese mortgage product — crédito à habitação — is a remarkably standardised instrument. Every bank operates inside the same Banco de Portugal framework, sells the same three rate structures, applies the same documentation list, and signs at...
The Portugal Brief
Schools in Portugal for Expat Parents in 2026 — The Portal das Matrículas Calendar, the Public-Private-International Tier, the Encarregado de Educação, and How the 2026/2027 Enrolment Window Works

Schools in Portugal for Expat Parents in 2026 — The Portal das Matrículas Calendar, the Public-Private-International Tier, the Encarregado de Educação, and How the 2026/2027 Enrolment Window Works

The 2026/2027 school enrolment window opened 22 April. Full guide to public, private and international schools in Portugal — Portal das Matrículas calendar, the encarregado de educação rules, transferring from a foreign system, the three-tier cost map, and how to choose for short or long stays.
The Portugal Brief