Mortgage Specialist & Property Support

Buying property in Portugal should be exciting, not overwhelming. With decades of international banking and mortgage expertise, Judith makes the process simple, clear, and stress-free.

30+ YEARS OF EXPERTISE

Judith Price

With a distinguished career across Barclays UK, Barclays Portugal, GE Money, and Caixa Geral de Depósitos, Judith has spent decades helping clients secure mortgages and purchase property in Portugal. From holiday homes to permanent residences, she has guided countless buyers through the process with clarity and confidence.

Seamless Support in Portugal

Over the past decade, Judith has built a trusted network of in-country professionals to support every stage of your Portugal journey. From property finders, lawyers, and accountants to tax advisors, currency exchange specialists, financial advisors, and even interior designers — she connects you with the right people at the right time. With Judith, you don’t just get mortgage guidance; you gain access to a full circle of expertise that makes buying and settling in Portugal as seamless and stress-free as possible.

Long Term Track Record

With an insider knowledge of the Portuguese banking system, Judith has helped countless others like you successfully get a mortgage

Trusted by Expats

Specialized in supporting non-residents and residents alike navigating Portuguese banks and legal systems

How I Can Help You:

  • Mortgage Guidance

    Expert help with mortgage applications, documents, and approvals

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  • Property Support

    Step-by-step assistance with legal and administrative requirements

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Buying Your Home in Portugal

Buying a home in Portugal involves two essential processes that run side by side.

Property Process

The legal and practical steps of choosing a home, signing contracts, and transferring ownership

  • Plan for the property price plus taxes, notary costs, and legal fees. Explore locations and property types to match your goals.

  • As with mortgages, you’ll need a Portuguese tax ID for any property transaction.

  • Your lawyer ensures the property is legally sound, free of debts, and compliant with zoning and planning rules.

  • Negotiate the price and terms with the seller, usually through a real estate agent.

  • Once agreed, both parties sign a contract and you pay a deposit (typically 10–30%). The contract protects both buyer and seller.

  • Your lawyer checks ownership, registry details, and municipal records to ensure everything is in order.

  • The sale is completed at the notary’s office. You pay the balance, IMT (property transfer tax), and stamp duty.

  • The property is officially registered in your name at the Land Registry.

Mortgage Process

Arranging the financing that makes the purchase possible, from bank approval to signing your mortgage deed

  • Work out your budget, including savings, income, and existing commitments.

    Portuguese banks typically lend 60–80% for non-residents (up to 90% for residents).

  • This is your Portuguese tax ID, essential for opening a local bank account and applying for a mortgage.

    A Portuguese bank account is required for mortgage payments and fees.

  • Decide between fixed, variable, or mixed rates, then submit your application with proof of income, bank statements, tax returns, and property details.

  • The bank arranges an independent valuation to confirm the property’s market value and determine your loan amount.

    If approved, the bank issues a formal offer with terms, repayment schedule, and conditions.

  • The contract is signed, usually at the same time as the final property deed. Fees and stamp duty are also settled.

Why Expats Trust Me

  • “So very happy and grateful for all the hard work.”

    AS, Sao Bras Alportel

  • “Thanks so much for your help, you’ve been nothing short of fantastic”

    NB, Portimão

  • “Your expertise navigating us through the Portuguese mortgage process has been invaluable.”

    GM, Guia

  • “Judith has been absolutely first-class and we’ve been very grateful for all her advice and guidance throughout the whole process.”

    SG, Vilamoura

  • “A small note to say a BIG thank you for your help and guidance with obtaining our mortgage.”

    PT, Algarve

  • “I’ve told everyone how excellent you have been. We are so excited to now have our own home in the Algarve. You have been brilliant throughout the whole process.”

    PT, Algarve