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Mortgage calculator

Estimate the payment and test interest-rate impact.

A simple simulation to understand monthly payment, total interest, loan-to-value and initial effort before comparing bank offers.

Informative estimate for mortgage credit in Portugal. Final conditions must be confirmed through the ESIS/FINE, APR/TAEG and total cost shown by the lender.

Expected purchase price. Used to calculate loan-to-value.

If loan amount is blank, the calculator estimates loan = property value - down payment.

Fill in if you already know how much you plan to borrow.

A longer term normally lowers the payment but increases total interest.

Use the annual nominal rate from the offer or an approximate scenario rate.

Optional. May include life insurance, property insurance or associated products.

Optional. May include valuation, processing and other upfront charges.

How to compare

The monthly payment is only part of the credit decision.

Two offers with similar payments can have different total costs. Banco de Portugal recommends comparing TAEG and MTIC, not only spread.

01

Nominal rate

Used to calculate interest and payment, but it does not include every credit cost.

02

TAEG and MTIC

These are the key indicators for comparing offers with the same amount and term.

03

Rate scenarios

For variable-rate loans, testing increases helps assess safety margin before signing.

Before signing

Do you want to frame purchase, down payment and financing more safely?

I can help organise costs, timing, offer strategy, risks and next steps before you move forward.

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