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UCI Mortgages

Thinking of buying
a property in Portugal?

As a specialist, UCI offers the solution you need to finance your home. With UCI new mortgage solutions for non-residents, buying or changing house in Portugal is now very simple.

UCI Mortgages
What do you need? Choose an option:

Welcome to your new Home! 
Choose the type of interest rate and the mortgage term:

Fixed Interest Rate
Fixed Interest Rate

Pay the same amount from the beginning to the end of the mortgage term. With the fixed interest rate you can set the interest rate and the monthly payments of 10 or 15 years.

Mixed Interest Rate
Mixed Interest Rate

Pay the same amount during a given period of time. With the mixed interest rate you can set the interest rate and the monthly payments during the first 5, 10 or 15 years. After the fixed rate period, the loan becomes effective with Euribor 6 months. Mortgage term minimum of 7 years.

Variable Interest Rate
Variable Interest Rate

Enjoy flexibility! With the variable rate mortgage, which is based on Euribor, you benefit from a constant instalment and a 6 month rate revision. Mortgage term minimum of 7 years.

Buy a House
Characteristics

Purpose

Purchase of a property in Portugal by non-resident citizens for use as a main residence and second home.

Max. Finance

Up to 70% of the house purchase value, according to applicant’s profile and guarantees provided. Maximum loan amount of 3,000,000€.

Mortgage Term

Minimum of 7 years and maximum of 30 years. Up to 75 years (limit age of the oldest applicant at the end of the loan).

Interest Rate

Three interest rate options: Fixed interest rate of 10 years. Mixed interest rate of 5 or 10 years (agreed with UCI at the moment of signing and without addition of margin) or indexed to Variable interest rate (Euribor six-month) plus margin. Margin is defined according to the loan terms.

 

APR Fixed Rate (10 years) of 5.532%.

Financing example for a Fixed Rate Mortgage (10 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 120 months, corresponding to 120 monthly repayments of €1.031,09. Loan with fixed Nominal Annual Percentage Rate of 4.390% in force in February 2024. Total or partial early repayment fee of 2% on the repaid capital. Total amount payable by the consumer of €127.808,36. Total credit cost of €27.808,36.

Financing example for two 30-year-old holders. It includes the initial expenses with compulsory multi-risk home insurance 174.54€ (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included). 

APR Fixed Rate (15 years) of 5.154%.

Financing example for a Fixed Rate Mortgage (15 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 180 months, corresponding to 180 monthly repayments of €759,38. Loan with fixed Nominal Annual Percentage Rate of 4.390% in force in February 2024. Total or partial early repayment fee of 2% on the repaid capital. Total amount payable by the consumer of €141.639,28. Total credit cost of €41.639,28.

Financing example for two 30-year-old holders. It includes the initial expenses with compulsory multi-risk home insurance 174.54€ (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included). 

 

APR Mixed Rate (5 years-Fixed Rate) of 4,847%.

Financing example for a Mixed Rate Mortgage (5 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 360 months, corresponding to 60 monthly repayments of €494,28 and 300 monthly repayments of €559,72. Loan with fixed Nominal Annual Percentage Rate of 4.290%, in the first 5 years, in force in February 2024. In the following periods, the loan is indexed to Euribor for 6 months (3.892%), in force in February 2024, plus a spread of 1.640%, resulting in a variable Nominal Annual Percentage Rate of 5.532%, rounded to the thousandth. Total or partial early repayment fee of 2% on the repaid capital in the fixed rate periods and 0.5% in the variable rate periods. Total amount payable by the consumer of €185.510,69. Total credit cost of €85.510,69.

Financing example for two 30-year-old holders. It includes the initial expenses with compulsory multi-risk home insurance 174.54€ (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included).

*Commission suspended until the 31st of December, 2024, in accordance with article 7 of the Decree-Law no. 80-A/2022 of 25 November. This suspension applies to loan agreements for the purchase or construction of a permanent home, covered by the Decree-Law no. 74-A/2017 of 23 June, regardless of the amount outstanding, whenever the early repayment occurs during the variable rate period.

 

APR Mixed Rate (10 years-Fixed Rate) of 4,951%.

Financing example for a Mixed Rate Mortgage (10 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 360 months, corresponding to 120 monthly repayments of €500,17 and 240 monthly repayments of €534,75. Loan with fixed Nominal Annual Percentage Rate of 4.390%, in the first 10 years, in force in February 2024. In the following periods, the loan is indexed to Euribor for 6 months (3.892%), in force in  February 2024, plus a spread of 1.290%, resulting in a variable Nominal Annual Percentage Rate of 5.182%, rounded to the thousandth. Total or partial early repayment fee of 2% on the repaid capital in the fixed rate periods and 0.5% in the variable rate periods. Total amount payable by the consumer of €187.629,63. Total credit cost of €87.629,63.

Financing example for two 30-year-old holders. It includes the initial expenses with compulsory multi-risk home insurance 174.54€ (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included).

*Commission suspended until the 31st of December, 2024, in accordance with article 7 of the Decree-Law no. 80-A/2022 of 25 November. This suspension applies to loan agreements for the purchase or construction of a permanent home, covered by the Decree-Law no. 74-A/2017 of 23 June, regardless of the amount outstanding, whenever the early repayment occurs during the variable rate period.

APR Mixed Rate (15 years-Fixed Rate) of 4,951%.

Financing example for a Mixed Rate Mortgage (15 year Fixed Rate) for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 360 months, corresponding to 180 monthly repayments of €500,17 and 180 monthly repayments of €520,24. Loan with fixed Nominal Annual Percentage Rate of 4.390%, in the first 15 years, in force in February 2024. In the following periods, the loan is indexed to Euribor for 6 months (3.892%), in force in  February 2024, plus a spread of 1.090%, resulting in a variable Nominal Annual Percentage Rate of 4,982%, rounded to the thousandth. Total or partial early repayment fee of 2% on the repaid capital in the fixed rate periods and 0.5% in the variable rate periods. Total amount payable by the consumer of €187.629,63. Total credit cost of €87.629,63.

Financing example for two 30-year-old holders. It includes the initial expenses with compulsory multi-risk home insurance 174.54€ (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included).

*Commission suspended until the 31st of December, 2024, in accordance with article 7 of the Decree-Law no. 80-A/2022 of 25 November. This suspension applies to loan agreements for the purchase or construction of a permanent home, covered by the Decree-Law no. 74-A/2017 of 23 June, regardless of the amount outstanding, whenever the early repayment occurs during the variable rate period.

 

APR Variable Rate of 6.152%.
Financing example for a Variable Rate Mortgage, for a total amount of €100,000.00, a purchase price of €150,000.00 and a mortgage term of 360 months, corresponding to 360 monthly repayments of €569.80. Loan indexed to Euribor for 6 months (3.892%), in force in  February 2024, plus a spread of 1.640%, resulting in a variable Nominal Annual Percentage Rate of 5.532%, rounded to the thousandth. Total or partial early repayment fee of 0.5 % on the repaid capital. Total amount payable by the consumer of €212.695,70. Total credit cost of €112.695,70.

Financing example for two 30-year-old holders. It includes the initial expenses with compulsory multi-risk home insurance 174.54€ (average annual value), opening fee €312.00 (taxes included), administrative and contract fees €416.00 (taxes included), property valuation fee €221.00 (taxes included), stamp duty on the agreement €600.00, registration fees €240.00, notary fees €153.75 (taxes included), solicitor services €389.48 (taxes included).

*Commission suspended until the 31st of December, 2024, in accordance with article 7 of the Decree-Law no. 80-A/2022 of 25 November. This suspension applies to loan agreements for the purchase or construction of a permanent home, covered by the Decree-Law no. 74-A/2017 of 23 June, regardless of the amount outstanding, whenever the early repayment occurs during the variable rate period.

 

The UCI Mortgage Loan is a mortgage-secured loan agreement. This information does not constitute a financing offer nor does it exempt the customer from consulting the product's full conditions. Conditions applicable to Mortgage Loan contracts. If the loan is granted in foreign currency, the instalments may increase due to variations in the applicable exchange rate. APR calculated according to Decree-Law no. 74 A/2017, of 23 June. Information updated on 1  February 2024.

For more information, see UCI. Unión de Créditos Inmobiliários, S.A., Estabelecimiento Financiero de Crédito (Sociedad Unipersonal) – Branch in Portugal is a financial institution branch with head office in the European Union registered with Banco de Portugal under number 403 (UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CREDITO (SOCIEDAD UNIPERSONAL) - BRANCH IN PORTUGAL | Banco de Portugal (bportugal.pt)) which acts in compliance with the principles of legality conferred upon it in terms of advertising and consumer information, namely by Notice no. 10/2008 of Banco de Portugal, which establishes the information and transparency duties to be observed by credit institutions and financial companies on the advertising of financial products and services.

What can we offer you? Our benefits
  • Pre-Qualification
    Pre-Qualification

    UCI guarantees a concise and detailed pre-analysis of the mortgage proposal at no cost, so you can know what to expect.

    Learn More
  • Decision
    Decision

    After receiving the necessary documents, UCI decision is fast and objective, so you can quickly start hunting the house.

    Learn More
  • Throughout the Process
    Throughout the Process

    A team of experienced specialists will help you through  all the phases of the buying process, helping you clarify any doubts you may have.

    Learn More
  • The Right Solution for You
    The Right Solution for You

    UCI mortgage solutions are adjustable and can fit your needs. If you need to buy or change house we have the solution.

    Learn More
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