Mortgage Calculator
Compare Portuguese mortgage rates across 10 lenders — CGD, Millennium BCP, Santander Totta, BPI, Novo Banco, Bankinter and more. Fixed, 10-year fixed, and Euribor-linked variable rates. Stress-test against a rising Euribor.
€400 000
€80 000 · 20.0%
3.50% (Euribor 6M at 2.55%)
Max LTV: 90% (Banco de Portugal guidance)
Monthly Payment
€1437
Loan Amount
€320 000
80.0% LTV
Deposit
€80 000
20.0% of price
Total Interest
€197 299
Total Paid
€517 299
Effective Rate
3.50%
Interest / Loan
62%
LTV Status
OK
Cap 90%
Euribor Stress Test
If Euribor rises, your variable-rate monthly payment moves. This is the single biggest risk in a Portuguese mortgage.
3.50%
€1437
+1% (4.50%)
€1621
+€184/mo
+2% (5.50%)
€1817
+€380/mo
+3% (6.50%)
€2023
+€586/mo
Amortisation Schedule
Year-by-year principal vs interest across the life of your Portuguese mortgage.
Lender Comparison — Variable (Euribor 6M)
Monthly payments across 10 Portuguese lenders for your €320 000 loan over 30 anos.
| Lender | Rate | Monthly | Total Interest | Total Paid |
|---|---|---|---|---|
| Caixa Geral de DepósitosBest | 3.50% | €1437 | €197 299 | €517 299 |
| Bankinter | 3.53% | €1442 | €199 231 | €519 231 |
| Millennium BCP | 3.55% | €1446 | €200 520 | €520 520 |
| Santander Totta | 3.60% | €1455 | €203 751 | €523 751 |
| BPI | 3.60% | €1455 | €203 751 | €523 751 |
| Novo Banco | 3.65% | €1464 | €206 993 | €526 993 |
| Abanca | 3.65% | €1464 | €206 993 | €526 993 |
| Crédito Agrícola | 3.70% | €1473 | €210 246 | €530 246 |
| Montepio | 3.75% | €1482 | €213 509 | €533 509 |
| EuroBic | 3.80% | €1491 | €216 783 | €536 783 |
Portugal Mortgage Notes
Indicative Q1 2026 rates compiled from Banco de Portugal and lender price lists. Euribor 6M assumed at 2.55%. LTV caps follow Banco de Portugal macroprudential recommendations — residents 90% (primary) / 80% (secondary), non-residents 70%. Portuguese lenders typically stress-test affordability at +3% Euribor — use the stress test above to plan.