Youth Mortgage
Now is the time for your first home
Financing up to 100%The State guarantee can cover up to 15% of the property value, allowing the bank to finance the full purchase price, even without an initial down payment.
IMT and Stamp Duty on your first homeIf you are up to 35 years old, are not an IRS dependent and have not owned a home in the last three years, your first purchase of a primary residence is exempt from IMT up to 330 539 € in mainland Portugal and 413 174 € in the Autonomous Regions (2026 values), with a reduced rate up to 660 982 € and 826 228 €, respectively, and you benefit from a Stamp Duty deduction up to the same limit. This benefit expires if, within the following six years, you give the home a different use (with exceptions, such as selling).
Term up to 40 yearsA longer term lowers your monthly payment and effort rate, but increases the total interest paid.
At CrediSegur, we handle your Young Mortgage request with the State public guarantee, which allows the bank to finance up to 100% of your first home purchase, if the application is approved.
Check if you meet all the requirements
Shall we get started?- Be between 18 and 35 years old
- Tax residence in Portugal
- Income up to the 8th IRS bracket (in 2026, around 6.188 €/month)
- Not owning an urban property or any autonomous unit of an urban property intended for housing
- No debts to the Tax Authority or Social Security
- Purchase price up to 450 000 €
- Not having previously benefited from the State guarantee
Benefits for young people buying their first home
Buy your home with no down payment, if the bank approves 100% financing with the public guarantee; you still have to pay Stamp Duty, fees and insurance.- The State provides a guarantee of up to 15% of the property value, covering the share of financing the bank would not otherwise grant. You can get financing up to 100% of the purchase price and make it easier to buy your new home
- IMT exemption up to 330 539 € in mainland Portugal and 413 174 € in the Autonomous Regions (2026 values), with a reduced rate up to 660 982 € and 826 228 €, respectively, and a Stamp Duty deduction up to the same limit, on the first purchase of a primary residence, if you have not owned a home in the last three years and are not an IRS dependent. This benefit expires if, within the following six years, you give the home a different use (with exceptions, such as selling).
- Guarantee valid for 10 years
- Possibility of renegotiating or transferring the credit without losing the guarantee conditions
- Ongoing support from CrediSegur throughout the entire process
Documents you will need
Gather the required documentation- Citizen Card or equivalent document
- Certificate of tax residence
- IRS tax assessment notice with Social Security proof of income for the last 3 months
- Negative land registry certificate
- Urban Property Tax Register (Caderneta Predial Urbana)
- Certificate of no debt (Tax Authority and Social Security)
Illustrative exampleYouth Mortgage — public guarantee
We helped Carlos and Joana buy their first home
In this example, they managed to save more than €29,000Carlos and Joana are fictional characters created for illustrative purposes — they do not correspond to a real case.
With the new rate and lower insurance costs they save€29,488.91Total savings (40 years)
Initial scenario (example)TAEG 4.14%
Simulated scenario (example)TAEG 3.77%
Monthly savings€72.75
Annual savings€873.00
Initial scenario (example)
Simulated scenario (example)
Amount
€275,000.00
€275,000.00
Financing
up to 100%*
up to 100%*
Term
40 years
40 years
TAN — Mixed Rate (fixed for 3 years)
2.95%
2.65%
Spread (after fixed-rate period)
0.85%
0.65%
Euribor
6 months
6 months
Insurance (Life + Multi-risk)
€67.00Annual: €804.00
€41.00Annual: €492.00
Upfront costs (fees and Stamp Duty)
€2,222.00
€2,222.00
Monthly payment
€1,043.55
€970.80
Payment after fixed-rate period
€1,169.59
€1,109.06
TAEG (example)
4.14%
3.77%
MTIC (example)
€559,085.55
€529,596.64
With the new rate and lower insurance costs they save€29,488.91Total savings (40 years)
Initial scenario (example)TAEG 4.14%
Simulated scenario (example)TAEG 3.77%
Monthly savings€72.75
Annual savings€873.00
100% financing and State public guarantee
See how it works, step by stepNeed to transfer, build or something else?
See other Mortgage solutions.- Transfer
Transfer your Mortgage and see if you can get better conditions, taking the costs of the operation into account.Learn more - Construction
Financing to build your home from the ground up. Your project, our supportLearn more - 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 - Purchase + Renovation
Buy the property and include the cost of improvement works in the same loan. Handle everything in a single operationLearn more - 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 - Land + Construction
A single loan for buying the land and carrying out the construction. Your project is financed from start to finishLearn more
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.
Union de Créditos Inmobiliários, S.A. – Sucursal em Portugal
COFIDIS
SICAM – Caixa Central e Caixas de Crédito Agrícola Mútuo
Caixa Geral de Depósitos, S.A.
BNP Paribas Personal Finance, S.A. – Sucursal em Portugal
BBVA, Instituição Financeira de Crédito S.A.
Bankinter, S.A. – Sucursal em Portugal
Banco CTT, S.A.
Banco BPI, S.A.
Banco Santander Totta, S.A.
Novo Banco, S.A.
Banco de Negócios Internacional (Europa), S.A.
ABANCA Portugal, S.A.
For a period of 10 years from the date the credit agreement is formalized. The Public Guarantee works as an additional safeguard for the bank, allowing better financing conditions for the customer. After those 10 years, the guarantee ends automatically and the mortgage then follows the normal rules, without State support as guarantor.
In the event of default, the bank triggers the Public Guarantee and the State temporarily assumes payment of the outstanding amount. However, the customer remains responsible for that amount and must settle it with the financial institution. After this settlement, the bank returns the amount to the State. In other words, the guarantee protects the bank but does not release the customer from their obligations.
Yes. During the guarantee period, you can renegotiate your mortgage conditions, such as the term or interest rate, without losing this benefit, provided the bank accepts the changes. The existence of the Public Guarantee does not prevent these renegotiations or invalidate the contract.
Yes, you can transfer the mortgage, as long as the new bank has joined the Public Guarantee protocol. However, you should note that the guarantee is not renewed with the transfer; it only remains in force for the remaining time of the initial 10‑year period. This means that, for example, if you have already benefited from the guarantee for 6 years, when you transfer the mortgage it will only remain in place for another 4 years.
This measure applies to credit agreements entered into up to December 31, 2026.
Yes. You can benefit from the Public Guarantee and, at the same time, enjoy full or partial exemption from IMT and Stamp Duty, as long as you meet the respective requirements.
No. This measure has no retroactive effect. This means it only applies to credit agreements entered into after the legislation was published, in September 2024. In other words, Mortgage contracts signed before that date cannot benefit from this measure, even if the customer meets all the other criteria.
It depends on each buyer’s situation. The IMT exemption and the Stamp Duty deduction apply only to the buyer who is up to 35 years old, is not considered a dependent for IRS purposes, has not owned a home in the last three years, and meets the other criteria of the measure. If one of the buyers does not meet these conditions, that person will not benefit from the exemption and will have to pay the taxes corresponding to their share of the purchase. The other buyer, if they meet the requirements, may benefit from the exemption.
No. Young people who are considered dependents for IRS purposes in the year of purchase are not eligible for these measures. This is because, to benefit from the support, the buyer must be fiscally independent, meaning they must file their own IRS tax return and have tax autonomy. If they are still part of another person’s household as a dependent, they do not meet the necessary requirements.
No. The exemption applies exclusively to the purchase of properties intended as primary and permanent residence. This means it does not cover: credit for works or renovations, land purchases, and other types of financing that do not involve the direct purchase of a home for own residence. It is important to note that, in the case of buying land to build a house, IMT is charged only on the value of the land, not on the construction cost. However, that situation is not covered by the exemption provided for in this measure.
No. Although Life Insurance and Multi-risk (Home) Insurance are required by banks as a condition for granting the credit, you are not obliged to take them out with the same institution that grants the loan. You are free to choose the insurer that offers you the best terms, as long as the coverage meets the minimum requirements set by the bank. Often, taking out the insurance outside the bank allows you to get a better price/coverage ratio, which can represent significant savings over time.
Yes. Despite the Public Guarantee and tax exemptions, there are some costs that remain the customer’s responsibility:• Stamp Duty on the financed amount• Bank fees, such as the property appraisal and contract formalization• Mandatory insurance (Life Insurance and Multi-risk (Home) Insurance)These expenses are part of the normal process of taking out a Mortgage and are not covered by the exemptions provided for in this measure.
Renting, no: during the 10 years of the guarantee, the home must be your primary residence. Selling, yes: you can sell the home during the guarantee; in that case, the State guarantee ends when the bank issues the mortgage discharge or authorizes the sale. Confirm the terms of your contract with the bank.
Intermediation at no cost