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Mortgages

Aerial view of central Lisbon's terracotta-tiled rooftops with the Tagus River and a ship in the background.

DBRS Morningstar Rules Out a Credit-Driven Housing Bubble in Portugal — But Names the €2.3 Billion Garantia Jovem as the Risk Vector to Watch as Banco de Portugal Drafts a Macroprudential Brake

DBRS Morningstar's Wednesday note finds Portuguese banks haven't loosened mortgage underwriting — but flags the public guarantee letting under-35s borrow 100% as the asset-quality risk vector, and Banco de Portugal is drafting a macroprudential brake.

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...

Portugal Adds €750 Million More to Its Youth Housing Guarantee — And the Bank of Portugal Warns High-Risk Mortgages Have Multiplied Sevenfold Since 2024

Portugal Adds €750 Million More to Its Youth Housing Guarantee — And the Bank of Portugal Warns High-Risk Mortgages Have Multiplied Sevenfold Since 2024

Portugal is topping up its state guarantee for under-35 home buyers by €750 million, taking the scheme to €2.3 billion. The Bank of Portugal says high-risk credit has grown sevenfold since the programme launched in 2024.