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Can I move to a better house?

See how much the sale of your current house leaves you, how much it costs to buy the new one, and what credit you need. And compare the two orders: sell first or buy first.
  • Taxes and bank rules of 2026
  • Costs of selling and buying
  • No costs or commitment
In what order do you want to move?

Three questions to know if you can move house

Use approximate values. You can refine everything later.
€

We assume €200,000, a reference value. Enter yours for an accurate calculation.
€

We assume €80,000 in debt, a reference value.
€

We assume €300,000, a reference value.
We count on €10,000 in savings, 40 years of age, the usual real estate commission, and a reference interest rate of 3.67%. These are assumptions.

How we calculate

We see how much you have left from selling your current home and whether it is enough for the new one, with a monthly payment you can afford.

  1. What is left from the sale

    Sale price minus the debt, the early repayment fee and the selling costs.Your data; Legal rule · DL n.º 74-A/2017, art.º 23.º; Assumption

  2. What you need for the new one

    Price plus IMT, Stamp Duty and the deed, minus what was left over and your savings. The rest is the new loan, tested against the effort rate.Legal rule · CIMT, art.º 17.º; Regulator's rule

  3. Buy before or after selling

    If you buy first, we show the cost of a hypothetical bridging loan. If you sell first, the cost of renting in the meantime.Assumption

Illustrative Cases

Illustration: Frederico and Rosa between the apartment they sell and the house they buy
Illustrative example

Frederico and Rosa sold first and knew what they had.

They lived in Santa Maria da Feira, in a T2 valued at €185,000. With their second child, they wanted a house worth €290,000. They still owed €78,000 to the bank. They thought the sale would leave them much more than it did.
  1. 1“Does the sale money cover the down payment for the new house?”
  2. 2The sale leaves €94,817, after paying the bank and €11,378 to the real estate agency. Buying the house costs an additional €15,394 in taxes and deed. With savings, they need a credit of €198,577.
  3. 3They sold first, rented for 3 months, and bought the house with a credit compared by CrediSegur across several banks. According to the calculations, the monthly payment fits: €841 per month.

New Credit €198,577

New house monthly payment€841/month

New house monthly payment
€841/month
33% of income, with the rate 1.5 points higher
New Credit
€198,577
68% of the price
Between the two houses
€2,220
in rent
“Only when we saw all the costs did we understand what house we could buy.” — Rosa
Illustration: Clara in front of the new house, with the old house still for sale
Illustrative example

Clara found the right house before selling hers.

Clara lived in Lousada, in an apartment valued at €150,000 and still owed €52,000 on it. A house priced at €215,000 came up that she didn't want to miss. To buy first, she needed a loan until she sold the apartment.
  1. 1“Can I buy now and sell later, at my own pace?”
  2. 2To buy before selling, she needed €88,105 borrowed during the waiting period. Over 6 months, this cost €3,013 in interest: about €502 per month.
  3. 3She bought the house, listed the apartment at a realistic price, and sold it in 6 months. CrediSegur handled the mortgage for the new house.

Cost of waiting €3,013

Borrowed money during the wait€88,105

Borrowed money during the wait
€88,105
until selling the current house
Cost of waiting
€3,013
in 6 months
New house monthly payment
€477/month
per month
“Knowing how much each month of waiting cost helped me set a realistic price for the apartment.” — Clara
*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. Illustrative cases: characters, values, and conditions are fictional and serve only to demonstrate the simulator's operation. The interest rates and bridge loan are assumptions and not credit proposals. Credit approval is subject to bank approval.

What's True and What's a Myth in Home Switching

Four ideas we often hear, and what to do in each case.
  • Myth“The money from the sale is all mine.”False. First, you pay what you owe to the bank, the real estate agency's commission, and the bank's commission for early repayment.What to do: Calculate with what's left, not the sale price.
  • Depends“If I buy first, I can sell the other one at my leisure.”Only if you have leeway. Until you sell, you pay for two homes and the interest on the borrowed money. Each extra month costs money.What to do: See how much each month of waiting costs and set a deadline.
  • Myth“I sold the house I lived in, so I don't pay IRS.”False. You're only exempt from the tax on the gain if you reinvest the sale value, minus what you owe the bank, into a new home within the deadlines.What to do: Simulate the capital gains before signing the sale.
  • Truth“The bank only lends up to 90%.”True, generally, for a home to live in. The rest of the price, plus taxes and the deed, which the loan doesn't cover, comes from your money. The exception is the first home up to 35 years old, with public guarantee, for contracts until 12/31/26.What to do: Combine the sale and savings and see if it's enough.

The next step

You already have this answer. Keep going — each tool prepares the next decision.

Support from a CrediSegur manager

A CrediSegur manager follows your request with the institutions we work with. Our intermediation service has no cost for you.

Frequently Asked Questions

The biggest cost is the real estate agency's commission: we estimate 6.15% of the price, including VAT. If you still have a mortgage, the bank charges a commission for early repayment: 0.5% of what you owe at the variable rate and 2% at the fixed rate, plus Stamp Duty. There is also the energy certificate and the cancellation of the mortgage.
You pay IMT, Stamp Duty on the price and on the mortgage (0.6%), and the deed with the registrations. For a house of €300,000 to live in, with a mortgage of €200,000, it's about €16,000. The mortgage does not cover these costs: they must come from your own money.
No. The mortgage is tied to the current house. When you sell, you pay off what you owe and take out a new mortgage for the new house, either with the same bank or another. It's a good time to compare conditions.
It's a short-term loan that advances you the money for the house you haven't sold yet. During this time, you only pay interest. When you sell, you pay everything at once. Not all banks offer it, and the rate is usually higher: in the simulator, we estimate 1.0 points above the rate. It's an assumption.
If you sell for more than you bought, there's a gain. You are exempt from the tax if you use the sale proceeds, minus what you pay the bank, to buy another house to live in, within 36 months after or 24 months before. The sold house must have been your tax residence. If you only reinvest part, you pay tax on the rest. The exact calculation is done by the tax authorities.
It sums up the monthly payments of all your loans and compares them with the family's income, after deductions. For variable or mixed rates, the calculation is made with an interest rate higher than the current one (up to 1.5 points above), to ensure you can handle an increase. The Banco de Portugal recommends that the total does not exceed 45% of the income.
Official data verified on 10/20/2026 · Sources: Diário da República, Autoridade Tributária, Banco de Portugal, INE, Segurança Social, Assembleia da República · see sourcesData from INE – Portugal, reused under the CC BY 4.0 licence.
Important note: Informative simulation, with the IMT and Stamp Duty tables of 2026 for primary and permanent residence in the Continent and the Banco de Portugal rules for mortgage credit. The sale value, waiting months, real estate agency commission, bridge loan, and interest rates are assumptions you can change; they are not credit proposals or conditions from any bank. It does not constitute tax or financial advice: the exact tax is calculated by the tax authorities. Assumptions for the house exchange (in Portuguese): Pressupostos CrediSegur, editáveis pelo cliente em «Afinar pressupostos». CRRF – BROKERAGE, LDA (CrediSegur) is a tied credit intermediary registered with Banco de Portugal (n.º 0001290) and an insurance agent registered with ASF (n.º 421571530); it does not charge fees for credit intermediation. The granting of credit is subject to bank approval. Partner real estate agencies only receive your contact and do not discuss credit or insurance. Insurance proposals only after analyzing the client's needs.