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Young couple simulating their Mortgage to buy their first home

Mortgage simulator (purchase)

Open the door to your new home
How much do you need?
€
10,000 €1,000,000 €
Over how long?
months
60 months480 months
Google
4.9/5 Google
We negotiate for youWe negotiate on your behalf with the institutions with whom we have a binding agreement.
Simulation in minutesIn just a few minutes you’ll get several indicative simulations, based on the conditions of the institutions we work with.
Intermediation at no cost to youThe banks and financial institutions pay us a fee, and only if a contract is signed.

Find the ideal Mortgage with our help

Paperwork, comparisons and negotiations?

We compare for you the conditions of the credit institutions with whom we have a binding agreement and help you choose the one that best fits what you’re looking for. Then we follow every step of your Mortgage, from the spread to the insurance required by the bank.Save time and money with our help.
Simulador de crédito habitação num portátil, para comparar propostas online

From simulation to Mortgage approval

See how it works, step by step

Set the amount and term you want and get an initial estimate of your monthly payment.

We analyze your profile (net monthly income, household, active credit responsibilities and whether you have already chosen a property or not) to confirm if there are conditions to move forward with the financing.

We help you gather all the documentation needed to submit your application to the banks.

We submit your application to the banks, gather the pre-approval conditions and present them so you can choose the most advantageous ones.

The bank appraises the chosen property, issues the final letters and then we arrange the mandatory insurance policies.

You sign the Mortgage contract and the property deed.

What you should keep in mind when taking out a Mortgage

RatesVariable rate, fixed rate or mixed rate? It all depends on your preferences. Whether you want to reduce your monthly payments quickly, or you value greater financial stability throughout the term of the contract. The best approach is to look at the TAN (Taxa Anual Nominal), the TAEG (Taxa Anual de Encargos Efetiva Global) and the MTIC (Montante total imputado ao consumidor) to find the best solution.
SpreadThe spread is the bank’s profit margin and applies to both variable and fixed rates. The lower it is, the less you pay every month. That’s why it’s one of the most important points to negotiate when you buy a home or review your Mortgage.
Effort rateThe effort rate shows the percentage of your income that is used to pay bank monthly payments. The lower it is, the higher your chances of getting your credit approved. In our simulator, below 35% is considered healthy; Banco de Portugal recommends that it should not exceed 45%. See if you’re within the recommended range.
How much can the bank finance?For the purchase of a primary residence, Banco de Portugal recommends that banks do not finance more than 90% of the property value, which means you generally need at least a 10% down payment. For a second home, the recommended limit is 80%. In some cases, young people up to 35 years old who meet certain criteria may benefit from financing up to 100%.
100% financing for young peopleIf you are up to 35 years old and meet the conditions of the public guarantee for buying your first home, the bank can finance up to the full value of the property, with no down payment. The decision is always up to the bank. See if you’re eligible for a young buyer Mortgage.
Insurance required by the bankThe bank may require Life Insurance (with death-only coverage) and Multi-risk (Home) Insurance, but it must accept policies from another insurer as long as they provide an equivalent level of coverage. Outside the bank, you may save money depending on the coverages and your profile; if you remove coverages that the bank uses to grant a discount on the spread, that discount may be lost.
Intermediation at no cost

A simple, fast and secure process

  1. Run a simulation with your details
  2. A dedicated manager will analyze your case
  3. We compare the offers from the institutions we work with
  4. We show you the offers side by side, with TAEG and MTIC
  5. We support you from start to finish
Illustrative example

We negotiate for Isaac and Carolina

In this example, they managed to save more than €31,000Isaac and Carolina are fictional characters created for illustrative purposes — they do not correspond to a real case.
Illustrative photo of a couple reviewing the conditions of their Mortgage
With the new rate and lower insurance costs they save€31,355.80Total savings (30 years)
Initial scenario (example)TAEG 4.39%
Simulated scenario (example)TAEG 3.74%
Monthly savings€89.85
Annual savings€1,078.20
Initial scenario (example)
Simulated scenario (example)
Amount
€240,000.00
€240,000.00
Term
30 years
30 years
TAN — Mixed Rate (fixed for 3 years)
2.95%
2.55%
Spread (after fixed-rate period)
0.85%
0.50%
Euribor
6 months
6 months
Insurance (Life + Multi-risk)
€90.00Annual: €1,080.00
€51.00Annual: €612.00
Upfront costs (fees and Stamp Duty)
€2,012.00
€2,012.00
Monthly payment
€1,095.39
€1,005.54
Payment after fixed-rate period
€1,195.05
€1,108.26
TAEG (example)
4.39%
3.74%
MTIC (example)
€428,642.30
€397,286.50
With the new rate and lower insurance costs they save€31,355.80Total savings (30 years)
Initial scenario (example)TAEG 4.39%
Simulated scenario (example)TAEG 3.74%
Monthly savings€89.85
Annual savings€1,078.20
The monthly payment and monthly savings refer to the fixed-rate period (3 years). After that, the rate becomes 6‑month Euribor + spread — assumption: 6‑month Euribor of 2.922%, average of September 2026 — and the monthly payment is recalculated. 360 monthly payments. Credit secured by mortgage. The TAEG includes the life and multi-risk insurance required to obtain the Mortgage under these conditions. TAEG and MTIC reflect the entire term.
*Illustrative, non-binding example, with fictional characters and values that do not correspond to the offer of any credit institution. This does not constitute a credit offer and does not replace an assessment of each client’s personal and financial situation, nor the approval of the lending credit institution. TAN, TAEG and MTIC values are presented under the terms of Decree-Law no. 74-A/2017 and Banco de Portugal Notice no. 5/2024; the actual values are calculated by the lending credit institution in the European Standardised Information Sheet (ESIS). CrediSegur (CRRF – Brokerage, Lda.) — tied credit intermediary registered with Banco de Portugal under no. 0001290.

Need to transfer, build or something else?

See other Mortgage solutions.
  1. Transfer
    Transfer your Mortgage and see if you can get better conditions, taking the costs of the operation into account.Learn more
  2. Construction
    Financing to build your home from the ground up. Your project, our supportLearn more
  3. Mortgage
    Need liquidity or want to consolidate debts? Use a property of yours or a family member’s as collateral; longer terms lower the monthly payment but increase the total cost.Learn more
  4. Purchase + Renovation
    Buy the property and include the cost of improvement works in the same loan. Handle everything in a single operationLearn more
  5. Transfer and consolidate
    Combine your Mortgage and other debts into a single monthly payment; a longer term may increase the total interest paid.Learn more
  6. Land + Construction
    A single loan for buying the land and carrying out the construction. Your project is financed from start to finishLearn more
Our platform automatically compares TAEG, MTIC and general conditions, helping you make an informed decision and save money.

What people say about us

See all reviews on GoogleReviews published by users on Google; CrediSegur does not verify whether the author is a client.
  • Logótipo UCIUnion de Créditos Inmobiliários, S.A. – Sucursal em Portugal
  • Logótipo CofidisCOFIDIS
  • Logótipo Crédito AgrícolaSICAM – Caixa Central e Caixas de Crédito Agrícola Mútuo
  • Logótipo CGDCaixa Geral de Depósitos, S.A.
  • Logótipo CetelemBNP Paribas Personal Finance, S.A. – Sucursal em Portugal
  • Logótipo BBVABBVA, Instituição Financeira de Crédito S.A.
  • Logótipo BankinterBankinter, S.A. – Sucursal em Portugal
  • Logótipo CTTBanco CTT, S.A.
  • Logótipo BPIBanco BPI, S.A.
  • Logótipo SantanderBanco Santander Totta, S.A.
  • Logótipo Novo BancoNovo Banco, S.A.
  • Logótipo BNI EuropaBanco de Negócios Internacional (Europa), S.A.
  • Logótipo ABANCAABANCA Portugal, S.A.

Frequently asked questions about Mortgages

A credit intermediary is an entity registered with Banco de Portugal that presents banks’ credit agreements to consumers and supports them in the preparatory steps of those agreements.CRRF – Brokerage, Lda., owner of the CrediSegur brand, is a tied credit intermediary, registered with Banco de Portugal under no. 0001290, without an exclusivity regime: it works with the institutions with which it has a binding agreement, presents you with the offers from those institutions and does not provide advisory services.
The simulation allows you to quickly compare the conditions of the institutions we work with and identify, approximately, the rates and conditions they offer, helping you make an informed decision, save time and avoid unnecessary costs.The simulations shown in our comparison tools are summary analyses and estimates, based on the average conditions practiced by financial institutions. They do not constitute formal offers, official bank simulations, any type of credit approval or contractual commitment.Only with your consent, and after collecting the necessary information and documentation, can we request and analyze formal bank offers, which may indeed give rise to a contractual commitment if accepted by the client.At CrediSegur, a tied credit intermediary, you have the support of a manager who guides you through the entire process, from the simulation to the formalization of the contract.
The process is 100% online and our intermediation service has no cost for you.1. You indicate the amount and term2. You choose the purpose of the credit3. You receive personalized proposals based on your financial profile4. Our platform reviews the conditions available on the market and identifies the most competitive options, helping you save time, avoid trips to the bank and get a good sense of which solutions may suit you best.The simulations presented are estimates and do not constitute formal offers, credit approvals or any contractual commitment. Only with your consent and after collecting the necessary information and documentation can we request and analyze formal bank offers, which may indeed give rise to a contractual commitment if accepted.
Variable RateIt is calculated by adding the spread to Euribor and is updated periodically, every 3, 6 or 12 months, depending on what is defined in the contract.
Fixed RateWith a fixed rate throughout the contract, you guarantee a stable payment without fluctuations. This gives you greater protection against market uncertainty. But, be aware, it may make the loan more expensive.
Mixed RateThe loan starts with a Fixed Rate and then switches to a Variable Rate.
Euribor is a benchmark rate for the euro money market, published on every business day by the European Money Markets Institute (EMMI). It measures the rate at which banks in the euro area can obtain unsecured funding. If your loan has a variable rate, the contract rate is reviewed every 3, 6 or 12 months, depending on the index chosen, and your monthly payment may go up or down.
Nominal Rate (TAN)It is mandatory in any credit agreement and indicates how much interest you will pay each year. It is the spread plus Euribor (for a variable-rate loan) or the fixed rate, depending on the interest rate agreed. The Nominal Rate does not include fees, insurance or taxes: it is only the interest rate (index plus spread, or the fixed rate).
APR (Annual Percentage Rate)The APR indicates the total cost of the loan as an annual percentage of the borrowed amount. Its value results from interest (Nominal Rate), commissions, mandatory insurance, taxes, registrations and other charges. This is the total cost of your financing.
The Total Amount Charged to the Consumer (MTIC) is the total amount you will pay over the life of the contract: the loan amount, interest, fees, taxes, mandatory insurance and other charges. The higher the interest rate, the higher the MTIC will be.
The European Standardised Information Sheet (FINE) is a document issued by the financial institution that sets out all the conditions and costs associated with your Mortgage.It allows you to review the terms of your loan and compare different credit proposals before you sign the contract.In the document you will find information such as:• Loan amount and contract duration• Applicable interest rates (Nominal Rate, APR, etc.)• Total Amount Payable• Commissions, mandatory insurance and taxes• Rate review conditions (if variable)• Obligations of the client and the bank
According to the recommendation of Banco de Portugal, banks generally finance up to 90% of the purchase price of the property for primary residence. This means that, in most cases, you will need to have at least 10% of the price of the house as a down payment.On top of this amount, you also need to consider the purchase costs, such as taxes, deed and registrations.However, in some specific cases, particularly for young people up to 35 years old who meet certain criteria defined by financial institutions and applicable programs, it may be possible to obtain financing of up to 100% of the property value.
The spread is the profit margin that the bank applies on top of the reference index (the Euribor, in the case of a variable or mixed rate) and represents the portion of the cost that goes exclusively to the bank for granting you the credit. The lower it is, the lower your Monthly payment.In practice, your final interest rate is the sum of the Euribor (if you have a variable or mixed rate) and the spread set by the bank. For example, in a hypothetical case with a Euribor of 2% and a spread of 1%, your interest rate would be 3%.The spread varies from bank to bank and depends on your risk profile and on the products associated with the credit, such as insurance and salary domiciliation. Without these products, the spread is usually higher.In our comparison tool, we show you the spread of the proposals from the institutions with whom we have a binding contract, so you can compare.
The effort rate is the percentage of your net monthly income that is committed to paying expenses and credit Monthly payments. In practice, it shows the percentage of income used by your current liabilities. It is one of the main indicators banks use to assess the risk of a loan. The lower the effort rate, the more balanced your budget is and the higher the likelihood that a credit application will be approved.
• Citizen Card, from both applicants• Salary receipts from the last 3 months• Bank statements of the salary accounts, from the last 3 months• Proof of employment or employment contract• Negative Property Certificate from the Tax Authority, obtained through the tax portal (100% Youth Financing)• IRS Model 3 tax return 2025, if already available• IRS Settlement Certificate 2025• Credit Liability Report (available at https://www.bportugal.pt/area-cidadao/formulario/227)• Certificates of no debt to Social Security and the Tax Authority (100% Youth Financing)• Proof of address (Tax Domicile Certificate)
Our credit intermediation service has no cost for you: by law, a tied Credit Intermediary can only be remunerated by the banks and institutions with whom it has a contract, and only if a contract is actually signed. The costs of the credit itself (interest, fees, taxes and insurance) are set out in the bank’s FINE.
Intermediation at no cost

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