Each case can be different, and banks may request more or less documentation in a home loan application process. Find out here the main documents requested by the Portuguese banks.
General
- Portuguese Tax Number
- Copy of ID Card(s) or Passport(s)
- Proof of Address (i.e. utility bill)
- Bank statements for the last 6 months (current & savings accounts)
- Credit Report (for some banks)
If employed
- Last year Tax Returns (P60 in the UK; IRS in USA)
- Summary assessment of the Tax Returns
- Pay slips for the last 3 months
- Employer Declaration (reference from your employer)
If self-employed
- Last 1 to 3 years Business’ last year Tax Returns
- Last 1 to 3 years Summary assessment of the Tax Returns
- Business’ bank statements for the last 3-6 months
Financial commitments (if applicable)
- Latest mortgage statement
- Details of personal loans (amounts due, monthly installments)
- Copy of lease agreement for your house (if living on a rented property)
If employed on a company where the applicant owns 20%or more of the shares
- Company’s last year Tax Returns
- Business’ bank statements for the last 3-6 months
- Registry certificate from “Companies House” (UK) or equivalent (USA)
Property documents (not necessary during the pre-approval process if you have not chosen a chosen property yet)
- Tax document (“Caderneta Predial”)
- Land registry certificate (“Certidão Teor”)
- Floorplans (if purchasing a villa)
Do you need support in applying for a mortgage loan and preparing all the documentation? Our specialized and experienced team is here to help. Contact us.
