Documents Required for Portugal Mortgages

You will be required to produce some or all of the following documents for your Portugal mortgage application:

General Documentation Required for Mortgage Application

• Portuguese Tax Number (Número Fiscal de Contribuinte);
• Copy of ID card(s) or passport(s).
• Birth certificate(s) showing both parents names;
• Marriage certificate;
• Valuation of main home
• Last six months personal bank statements – current & savings;
• Bank references; (*)
• Copy of the signed “Contrato Promessa de Compra e Venda”, Sales Purchase Contract;
• Plans / Drawings of the site and or of the property;
• If constructing / renovating the property – copies of the Planning Permission and Building Licenses;
• Utility bill as proof of home address;

If Employed

• Last three years tax returns (P60 or equivalent in the UK); (*)
• Last three months pay slips; (*)
• Reference from employer (simple letter stating that has been working with the company for a certain time, plus the normal considerations in this regard); (*)

If employed by a limited company with a shareholding of 20% or more

• Last three years audited accounts;
• Letter from Accountant confirming current salary and dividend payments for the last two years;
• Last three years tax returns;
• Last six months business bank statements;

If self-employed

• Last three year’s Audited Accounts;
• Letter from Accountant confirming net profit figures for the last two years;
• Last three year’s tax return / tax computation;
• Last six months business bank statements;

Other Income

• Confirmation of Pension received for the last six months;
• Confirmation of Rent received – copy tenancy agreement plus accounts for the last two years and copy of latest tax return;
• Copy of bank statements showing rental income;

Liabilities

• Portuguese Tax Number (Número Fiscal de Contribuinte);
• Copy of ID card(s) or passport(s).
• Birth certificate(s) showing both parents names;
• Marriage certificate;
• Valuation of main home
• Last six months personal bank statements – current & savings;
• Bank references; (*)
• Copy of the signed “Contrato Promessa de Compra e Venda”, Sales Purchase Contract;
• Plans / Drawings of the site and or of the property;
• If constructing / renovating the property – copies of the Planning Permission and Building Licenses;
• Utility bill as proof of home address;
• Last three years tax returns (P60 or equivalent in the UK); (*)
• Last three months pay slips; (*)
• Reference from employer (simple letter stating that has been working with the company for a certain time, plus the normal considerations in this regard); (*)
• Last three years audited accounts;
• Letter from Accountant confirming current salary and dividend payments for the last two years;
• Last three years tax returns;
• Last six months business bank statements;
• Last three year’s Audited Accounts;
• Letter from Accountant confirming net profit figures for the last two years;
• Last three year’s tax return / tax computation;
• Last six months business bank statements;
• Confirmation of Pension received for the last six months;
• Confirmation of Rent received – copy tenancy agreement plus accounts for the last two years and copy of latest tax return;
• Copy of bank statements showing rental income;
• Latest mortgage statement;
• Details of personal loans (principal due, monthly instalments);
• Copy of tenancy agreement;
• Maintenance / Alimony payments;

For all documents marked with a * we require that originals be presented to us. We will copy and certify them for internal purposes and return them immediately.