Skip to content
CrediSegur — home page
Back to guides and articles
CrediSegur
Guide to buying your first home
Youth MortgageAugust 4, 2026

Guide to buying your first home

Everything about the State's public guarantee (contracts until December 31, 2026), IMT and Stamp Duty exemption, and the young mortgage process.
By CrediSegur20 min

Article by CrediSegur (CRRF – Brokerage, Lda.), a tied credit intermediary registered with Banco de Portugal under no. 0001290. We present proposals from the banks with whom we have a binding contract, identified in the Consumer Information, and we do not provide consulting services. Insurance agent registered with ASF under no. 421571530.

Related tools

2 min

What’s the maximum price of the home I can buy?

Estimate the maximum home price your financial situation allows, based on the rules banks follow; the final decision is always up to the bank.
1 min

IMT and Stamp Duty simulator

Estimate the IMT and Stamp Duty on your home purchase, including the Young IMT exemption for those who qualify.
With a manager

Mortgage comparator

Compare Mortgage conditions from the institutions we work with and see which one has the lowest cost for your profile. Fast online simulation; our intermediation service has no cost for you.

What do you need?

Choose your goal and see how we can help
  1. Buy a home
    We compare the offers from the banks we work with for your specific caseLearn more
  2. Transfer your Mortgage
    We compare your monthly payment with the offers from the banks we work withLearn more
  3. Car or motorbike
    Credit for your car or motorbike, new or usedLearn more
  4. Combine credits
    Combine all your credits into a single monthly payment, easier to manageLearn more
  5. Home improvements and other projects
    Credit for home improvements, education or the project you have in mindLearn more
  6. Life Insurance
    Protect your family and compare the insurance on your credit with offers from other insurers, with the same coverageLearn more
  7. Reduce your electricity and fuel bills
    We compare the electricity and gas tariffs from the providers we work with and handle the switch for you, if you authorize itLearn more
  8. Is your situation different?Talk to CrediSegur and a manager will help simplify it.

Stay up to date with all the news

Get tips on how to save on credit, insurance, and energy.