Skip to main content
ONLINE SECURITY:
Login
Open account
Login
Open account

CRÉDITO HABITAÇÃO - Mortgage

Mortgage tailored to you

  • New, more competitive spread conditions 
  • Fixed interest rate option available 
  • Special conditions for mortgage transfers

 

Mortgage


Looking for the right mortgage for you? We know that taking out a home loan is a major decision. That’s why we’re here to help you find the right terms, the monthly payment that fits your budget and the best spread for your situation.

 

Get the right mortgage for every purpose

At novobanco, you can apply for a mortgage not only to buy a home, but also for other purposes such as home improvements, buying land or a garage, and more. 
Find the monthly payment that best fits what you are planning.

 

View special conditions

Mortgage with a competitive spread


At novobanco, our mortgage comes with a competitive spread and a range of advantages designed to suit your needs.

 

  • Fixed, tracker or mixed interest rates
    • Fixed or mixed rate for 2, 3, 4, 5, 10, 15, 20, 25 or 30 years 
    • Variable interest rate linked to Euribor at 3, 6 or 12 months

     

  • Apply online for your mortgage

    Apply wherever you are, with a fully online process. No need to visit a Branch.

  • No transfer fees
    • We cover the transfer costs for options with a variable interest rate. 
    • Find out more about the conditions for switching your mortgage.

Find out more about the conditions for switching your mortgage.


Discover the special mortgage conditions available to you. Home loan solutions tailored to your age, plans and budget.
  • Under 35s

    Two tailored solutions with the support of parents or close family members.

    Mortage for under 35s

  • Over 50s

    Today, there’s no age limit to making your plans a reality. It’s never too late.

    Mortgage for over 50s

  • Non‑resident buyers

    For residential tourism and holiday homes in Portugal.  

    View conditions                              

  • Buy and renovate

    Buy your dream home and carry out the renovations you need.                          

    Get started                                     

Apply for your mortgage in a simple, fully digital process.

Online Mortgage

Apply for your mortgage

Calculate now
1

Get a quote

There are many options available and you will find the one that fits you. 
Get a quote, save it and submit whenever you want

*To use the calculator, please select English in the top right corner

2

Submit your application

Submit your mortgage application online and upload the documents required for the process

3

Complete the deed

Track the status of your application online. You only need to visit a Branch to complete the deed

Calculate now

Variable rate:

Excluding the impact of optional associated sales: APRC of 4.9%; Variable APR of 4.247% (12-month Euribor of 2.747% as of April 2026 and spread of 1.50%); Instalment of €737.65; MTIC (total amount payable by the consumer): €280,072.12; average annual life insurance premium of €222.01. Demand deposit account quarterly maintenance fee €16.20 (including stamp duty).

Including optional associated sales (*) APRC of 4.2%; Variable APR of 3.547% (12-month Euribor of 2.747% as of April 2026 and spread of 0.80%); Instalment of €677.51; MTIC (total amount payable by the consumer): €259,160.66; average annual life insurance premium of €212.92. Monthly Account Maintenance Fee: €8.22 (including VAT).

For a 30-year €150,000 loan with a total of 360 instalments, 60% LTV with mortgage guarantee.

Initial fees and expenses (including ISUC [stamp duty on credit usage]): €2,233.20; Fees and Regular expenses: Comprehensive insurance (annual premium €122.63). 

2-year Mixed Rate:

Excluding the impact of optional associated sales: APRC of 4.9%; Fixed APR of 4.229% (2-year fixed rate of 2.729% and spread of 1.50%) followed by Variable APR of 4.304% (12-month Euribor of 2.804% as of May 2026 and spread of 1.50%); 24 monthly instalments of €736.07 and 336 monthly instalments of €742.32; MTIC (total amount payable by the consumer): €281,624.38; average annual life insurance premium of €222.65. Demand deposit account quarterly maintenance fee €16.20 (including stamp duty).

Excluding the impact of optional associated sales(*): APRC of 4.2%; Fixed APR of 3.529% (2-year fixed rate of 2.729% and spread of 0.80%) followed by Variable APR of 3.604% (12-month Euribor of 2.804% as of May 2026 and spread of 0.80%); 24 monthly instalments of €676.00 and 336 monthly instalments of €681.96; MTIC (total amount payable by the consumer): €260,640.80; average annual life insurance premium of €213.56. Monthly Account Maintenance Fee: €8.22 (including VAT).

For a 30-year €150,000 loan with a total of 360 instalments, 60% LTV with mortgage guarantee.

Initial fees and expenses (including ISUC [stamp duty on credit usage]): €2,233.20; Fees and Regular expenses: Comprehensive insurance (annual premium €122.63). 

 

5-year Mixed Rate:

Excluding the impact of optional associated sales: APRC of 4.9%; Fixed APR of 4.283% (5-year fixed rate of 2.783% and spread of 1.50%) followed by Variable APR of 4.304% (12-month Euribor of 2.804% as of May 2026 and spread of 1.50%); 60 monthly instalments of €740.81 and 300 monthly instalments of €742.42; MTIC (total amount payable by the consumer): €281,713.18; average annual life insurance premium of €222.68. Demand deposit account quarterly maintenance fee €16.20 (including stamp duty).

Excluding the impact of optional associated sales(*): APRC of 4.2%; Fixed APR of 3.583% (5-year fixed rate of 2.783% and spread of 0.80%) followed by Variable APR of 3.604% (12-month Euribor of 2.804% as of May 2026 and spread of 0.80%); 60 monthly instalments of €680.54 and 300 monthly instalments of €682.06; MTIC (total amount payable by the consumer): €260,728.40; average annual life insurance premium of €213.59. Monthly Account Maintenance Fee: €8.22 (including VAT).

For a 30-year €150,000 loan with a total of 360 instalments, 60% LTV with mortgage guarantee.

Initial fees and expenses (including ISUC [stamp duty on credit usage]): €2,233.20; Fees and Regular expenses: Comprehensive insurance (annual premium €122.63).

 

Fixed rate:

Excluding the impact of optional associated sales: APRC of 6.4%; Fixed APR of 5.712% (Fixed rate of 4.212% for 30 years and spread of 1.50%) | Instalment of €871.74; MTIC (total amount payable by the consumer): €328,909.26; average annual life insurance premium of €240.78. Demand deposit account quarterly maintenance fee €16.20 (including stamp duty).

Excluding the impact of optional associated sales(*): APRC of 5.7% | Fixed APR of 5.012% (Fixed rate of 4.212% for 30 years and spread of 0.80%) | Instalment of €806.33; MTIC (total amount payable by the consumer): €306,105.75; average annual life insurance premium of €231.87. Monthly Account Maintenance Fee: €8.22 (including VAT).

Initial fees and expenses (including ISUC [stamp duty on credit usage]): €2,233.20; Fees and Regular expenses: Comprehensive insurance (annual premium €122.63).

 

Transfers – 5-Year Mixed Rate:

Excluding the impact of optional associated sales: APRC of 4.8%; Fixed APR of 4.283% (5-year fixed rate of 2.783% and spread of 1.50%) followed by Variable APR of 4.304% (12-month Euribor of 2.804% as of May 2026 and spread of 1.50%); 60 monthly instalments of €740.81 and 300 monthly instalments of €742.42; MTIC (total amount payable by the consumer): €279,479.98; average annual life insurance premium of €222.68. Demand deposit account quarterly maintenance fee €16.20 (including stamp duty).

Excluding the impact of optional associated sales(*): APRC of 4.1%; Fixed APR of 3.583% (5-year fixed rate of 2.783% and spread of 0.80%) followed by Variable APR of 3.604% (12-month Euribor of 2.804% as of May 2026 and spread of 0.80%); 60 monthly instalments of €680.54 and 300 monthly instalments of €682.06; MTIC (total amount payable by the consumer): €258,495.20; average annual life insurance premium of €213.59. Monthly Account Maintenance Fee: €8.22 (including stamp duty).

Initial fees and expenses (including ISUC [stamp duty on credit usage]): Exempt; Fees and Regular expenses: Comprehensive insurance (annual premium €122.63).


(*) Presupposing subscription to the following products: Direct debit for bill payments; comprehensive home insurance with Mudum; life insurance linked to the mortgage loan with GamaLife and the Package Account.

Fluctuations in the interest rate may lead to an increase in the amount payable.

The interest rate applied may become negative depending on changes to the index.

Subject to commercial approval. This message does not preclude consultation of the legally required pre-contractual and contractual information.

For more information see www.novobanco.pt, contact one of our branches, or the Direct Line. 

PUB | NOVO BANCO S.A. | Registered no. 7 at Banco de Portugal