Reunião Verde Millennium BCP Millennium BCP
0.70% inicial
- Taxa inicial: Euribor +0,7%
- Relação empréstimo-valor: 80%
- Período inicial: Variável
- Recurso principal: Bônus para casas com classificação energética A+
Compare the top mortgages providers in Portugal — see cover, features and typical rates side by side.
63 live offers compared from 10 providers, from 0.70% inicial. Updated daily.
0.70% inicial
0.75% inicial
0.80% inicial
0.85% inicial
0.85% inicial
0.90% inicial
0.90% inicial
0.95% inicial
1% inicial
1% inicial
1.10% inicial
€1.50 /mês
Crédito Pessoal do Santander Portugal (Hipotecas) em Banca. Oferta em tempo real acompanhada diariamente pela Giraffy.
2.99% inicial
3.10% inicial
3.15% inicial
3.55% inicial
3.60% inicial
3.65% inicial
3.68% inicial
3.70% inicial
3.75% inicial
€5 /mês
Plano Millennium BCP da Millennium BCP (Hipotecas) no setor bancário. Oferta atualizada diariamente pela Giraffy.
€5 /mês
Crédito PessoalCrédito Pessoal do Millennium BCP (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€5 /mês
Em Campanha da Millennium BCP (Hipotecas) em Bancos. Oferta ao vivo monitorada diariamente pela Giraffy.
€30 /mês
CONTAJOVEM do Santander Portugal (Hipotecas) em Bancos. Oferta ao vivo acompanhada diariamente pela Giraffy.
€30 /mês
Em destaque do Santander Portugal (Hipotecas) em Banca. Oferta ao vivo acompanhada diariamente pela Giraffy.
€38 /mês
ProdutosDescubra os nossos seguros de proteção do Santander Portugal (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€38 /mês
Seguros de saúde desde 0,38€ por dia do Santander Portugal (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€40 /mês
Plano BPI do BPI (Hipoteca) em Bancos. Oferta atualizada diariamente pela Giraffy.
€40 /mês
Faça aqui a sua simulação do BPI (Mortgages) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€40 /mês
Depósito Especial BPI 5 anos do BPI (Hipotecas) em Bancos. Oferta ao vivo acompanhada diariamente pela Giraffy.
€40 /mês
Prepare o amanhã das jovens promessas e receba 40€ no Cartão Continente do BPI (Mortgages) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€50 /mês
Abra conta e receba 50€ do Santander Portugal (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€50 /month
€60 /month
€60 /month
€100 /month
€100 /month
€100 /month
€100 /month
€125 /mês
Seguro ON/OFF Viaje em segurança por 1,25€/dia por pessoa do Millennium BCP (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€125 /mês
Viaje em segurança por 1,25€/dia por pessoa do Millennium BCP (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€150 /mês
VERAO50 do Santander Portugal (Crédito Hipotecário) em Banca. Oferta em tempo real acompanhada diariamente pela Giraffy.
€250 /month
€300 /mês
18 e 30 de junho da Millennium BCP (Hipotecas) em Bancos. Oferta ao vivo monitorada diariamente pela Giraffy.
€300 /mês
Fazer 300€ em compras com rede Visa do Millennium BCP (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€400 /mês
Deduza até 400€ no IRS com a sua reforma de poupança do Santander Portugal (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€400 /mês
ProdutosDescubra as nossas soluções de poupanças e investimentos do Santander Portugal (Mortgages) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€400 /mês
Plano Santander Portugal do Santander Portugal (Hipotecas) em Bancos. Oferta em tempo real monitorizada diariamente pela Giraffy.
€400 /mês
Reforma Ativa 2ª SériePlanear a reforma dá-lhe até 400€ de benefício no IRS do Millennium BCP (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€400 /mês
Planear a reforma dá-lhe até 400€ de benefício no IRS do Millennium BCP (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€500 /mês
Chegou o Santander Rewards do Santander Portugal (Hipotecas) em Serviços Bancários. Oferta ativa monitorizada diariamente pela Giraffy.
€500 /mês
Detalhes do Santander Portugal (Hipotecas) em Bancos. Oferta ao vivo acompanhada diariamente pela Giraffy.
€500 /mês
Depósito AppPoupe na app, onde e quando quiser, a partir de 500€ do Millennium BCP (Mortgages) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€500 /mês
Poupe na app, onde e quando quiser, a partir de 500€ do Millennium BCP (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€500 /mês
Tenha o dinheiro em minutos na sua conta do Santander Portugal (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€500 /mês
Apanhe esta oportunidade do Santander Portugal (Mortgages) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€500 /mês
Campanha de Crédito Pessoal do Santander Portugal (Hipotecas) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€500 /mês
Dúvidas frequentes e informações úteis para pedir o seu crédito do Santander Portugal (Mortgages) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€500 /mês
Notas do Santander Portugal (Hipotecas) no setor bancário. Oferta em tempo real monitorizada diariamente pela Giraffy.
€500 /mês
Receba até 500€ com o ordenado do Santander Portugal (Mortgages) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
€500 /mês
Financiamento flexível do Santander Portugal (Hipotecas) em Banca. Oferta em tempo real acompanhada diariamente pela Giraffy.
€500 /mês
Últimos momentos de -1,25% na TAN em Crédito Pessoal do Santander Portugal (Mortgages) na Banca. Oferta ao vivo monitorada diariamente pela Giraffy.
A mortgage (credito habitacao) is a long-term loan secured on a property, used to buy a home and repaid over up to around 40 years. Portuguese mortgages are predominantly variable-rate, priced as a spread (the bank margin) over Euribor — usually the 6- or 12-month Euribor — though fixed and mixed-rate options have grown as borrowers seek certainty. Lenders finance a share of the property value (loan-to-value), require a deposit, and typically bundle life and home insurance. The mortgage is the largest financial commitment most households make.
Rates hinge on Euribor: when Euribor rises, variable-rate repayments increase, as many Portuguese borrowers felt during recent rate hikes. Banks compete on the spread over Euribor, on fixed-rate offers, and on bundled products (salary domiciliation, insurance, cards) that lower the margin. Maximum loan-to-value is generally around 90% for a main residence (less for second homes and non-residents), and affordability is assessed against income and the DSTI (debt-service-to-income) limits set by the Banco de Portugal. Stamp duty and property transfer tax (IMT) add to purchase costs.
Home ownership — spread the cost of a property over decades instead of paying rent.
Competitive spreads — banks discount the Euribor margin for bundled products and strong profiles.
Rate choice — pick variable, fixed or mixed to balance cost against certainty.
Long terms — repayment over up to around 40 years keeps monthly instalments manageable.
Compare the TAEG and the spread over Euribor, and decide between variable, fixed and mixed rates based on your tolerance for payment changes. Factor in the bundled products required to get the best spread and whether they suit you. Check the loan-to-value offered, the term, and total costs including valuation, stamp duty, IMT and notary fees. Shop the life and home insurance separately, since you can switch these. Confirm the offer respects Banco de Portugal DSTI affordability limits.
Caixa Geral de Depositos, Millennium BCP, Banco BPI, Novo Banco and Santander Portugal are the largest mortgage lenders, competing hard on spreads and fixed-rate deals. ActivoBank offers digital mortgages, while BBVA Portugal and EuroBic bring additional competition, particularly for well-qualified borrowers and non-residents. Because spreads and bundled-product conditions differ significantly between banks, and mortgage intermediaries can help compare, obtaining several offers is the key to reducing the long-term cost of a home loan.
Mortgage pricing centres on the spread over Euribor, with all-in variable rates and fixed-rate offers moving with the market; the brief indicates advertised figures from around 0.7% (spread or promotional element) upward, plus the Euribor index for variable loans. Upfront costs include the bank arrangement and valuation fees, stamp duty on the loan, property transfer tax (IMT), notary and registration fees, and bundled life and home insurance. Compare the TAEG and the total cost, and remember variable repayments change with Euribor.
Mortgage lending is regulated by the Banco de Portugal, which sets DSTI and loan-to-value macroprudential limits and requires standardised pre-contractual information (FINE) so borrowers can compare offers. Rules protect the right to shop around for and switch the bundled life and home insurance. Borrowers facing difficulty have access to statutory support regimes (PERSI and related mechanisms). Early repayment fees are capped by law (lower for variable-rate loans), and lenders must assess affordability before approving credit.
Variable or fixed rate? — Variable tracks Euribor and can change; fixed gives certainty at a usually higher initial rate.
How much deposit do I need? — Typically at least 10% for a main residence, more for second homes and non-residents.
Must I buy the bank insurance? — No, you can switch life and home insurance to a cheaper provider.
What extra costs apply? — Stamp duty, IMT, valuation, notary and registration fees on top of the loan.
Giraffy tracks 5 mortgage products across Millennium BCP,Revolut Portugal,ActivoBank,Caixa Geral de Depositos lenders in Portugal. Use the sort and filter controls to compare fixed versus variable rates and initial deal lengths.
A fixed-rate mortgage locks your interest rate for a set period — typically 2, 5, or 10 years — giving payment certainty. A variable rate moves with the central bank benchmark rate set by the Banco de Portugal. Fixed rates suit those who want stability; variable suits those who expect rates to fall.
Most lenders apply an income multiple — typically 4–5× your gross annual income for a conventional mortgage. Affordability assessments also factor in outgoings, existing debts, and the property's loan-to-value (LTV) ratio. A mortgage adviser or broker can run a full affordability assessment for free.
Loan-to-Value (LTV) is the mortgage amount as a percentage of the property's value. A 90% LTV means you're borrowing 90% and putting down 10% as a deposit. Lower LTV means less risk for the lender — you'll typically be offered a lower interest rate with a deposit of 20–25% or more.
An indicative approval can usually be obtained the same day online. Full mortgage approval — after property valuation and underwriting — typically takes 2–6 weeks. Having all your documents ready (pay stubs, bank statements, ID) speeds up the process significantly.
Sharia-compliant home-finance products structure the transaction without interest, typically through Murabaha (cost-plus financing) or Ijara (lease-to-own) arrangements. Check with individual lenders for availability in your market.
Lenders often charge arrangement, origination, or application fees to set up a mortgage — amounts vary by lender and market. You can usually add them to the loan, but you'll pay interest on them for the full term. For large loans, a higher-fee/lower-rate deal may be cheaper overall — compare total cost over the initial fixed period.