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Spreads mais competitivos
Buy Land and Build a Home
Build your dream home in the perfect location. Explore the features of this mortgage solution and start your Mortgage application online quickly and conveniently. Track the entire process without leaving home. Calculate how much your monthly repayment could be, run a Mortgage simulation and submit your application online or at a Branch.
Variable rate indexed to 12-month Euribor plus a spread from 0.65% (). APR 5.0% | APR 4.2% with optional bundled products (*).
(*) Subject to subscribing to the following products: salary domiciliation; property multi-risk insurance with Mudum; Mortgage life insurance with GamaLife; and a Packaged Account. Eligibility for these products is checked monthly. Failure to maintain the required products will result in the loss of the spread reduction benefit after the third instalment.
Buy Land
For Permanent Owner-Occupied Residence: up to 90% of the property valuation or 90% of the deed value, whichever is lower
For other purposes, such as a holiday home or rental property: up to 80% of the property valuation or 80% of the deed value, whichever is lower
- Variable rate indexed to 12-month Euribor, with a spread from 0.9% (*).
Borrowers aged up to 30 years: maximum term 40 years;
Borrowers aged 31 to 35 years: maximum term 37 years;
Borrowers over 35 years: maximum term 35 years.
The oldest borrower must not be over 75 years at the end of the loan term.
Loans are secured by a mortgage over the property and, in construction cases, over the land. The mortgage over the financed asset may be partially or fully replaced by a mortgage over another property
Guarantors may also be used to support repayment of the loan
- The Mortgage is automatically settled upon payment of the final instalment
Early repayment of fixed-rate loans is subject to a fee of 2% of the capital repaid
Early repayment of variable-rate loans is subject to a fee of 0.5% of the capital repaid
Under Decree-Law 80-A/2022 of 25 November, early repayment requests for loans used to acquire or build a permanent owner-occupied property with a variable rate were exempt from the fee until 31/12/2023
Under Decree-Law 74-A/2017 of 23 June, early repayment requests arising from death, unemployment or job relocation are exempt from repayment fees
Build a Home
Minimum: recommended from €10,000
Maximum: 90% of the lower of the expected valuation of the property upon completion of the construction project or the acquisition cost of the land plus construction costs for a Permanent Owner-Occupied Residence, or 80% for other purposes
If the land belongs to novobanco, financing may reach 100% of the lower of the expected completed-property valuation or the land acquisition and construction cost
Property valuations and estimated construction costs are always carried out by valuers appointed by novobanco and certified by the Portuguese Securities Market Commission (CMVM)
Variable rate indexed to 12-month Euribor, with a spread from 0.9% (*)
During construction: you pay interest only on the amount drawn down
After construction: repayments consist of capital and interest instalments
Applicants aged 30 or under: maximum term of 40 years.
Applicants aged 31 to 35: maximum term of 37 years.
Applicants over 35: maximum term of 35 years.
- The oldest borrower must not be over 75 years of age at the end of the loan term.
- You have 24 months from signing the agreement to complete the construction of the house
Loans are secured by a mortgage over the property and, in construction cases, over the land. The mortgage over the financed asset may be partially or fully replaced by a mortgage over another property
Guarantors may also be used to support repayment of the loan
The Mortgage is automatically settled upon payment of the final instalment
Early repayment of variable-rate loans is subject to a fee of 0.5% of the capital repaid
Under Decree-Law 80-A/2022 of 25 November, early repayment requests for loans used to acquire or build a permanent owner-occupied property with a variable rate were exempt from the fee until 31/12/2023
Under Decree-Law 74-A/2017 of 23 June, early repayment requests arising from death, unemployment or job relocation are exempt from repayment fees
Spread Reduction Conditions
- Pack Primeiro Banco subscription: 0.5% reduction
- Pack Proteção/Protection Pack subscription: 0.2% reduction
Online Mortgage Platform
Apply for your Mortgage online
1
Calculate and simulate
There are many solutions available and you can find the one that best suits your needs. Run a simulation, save it and submit it whenever you wish.
2
Receive a pre-assessment
Find out immediately whether you can proceed with your application and obtain confirmation.
3
Submit your application
Submit your Mortgage application online together with the required documents.
4
Complete the deed
Follow the progress of your application online. You only need to visit a Branch to sign the deed.
Variable Rate:
Excluding the impact of optional associated sales: APRC of 5.0%; Variable APR of 4.354% (12-month Euribor of 2.954% as of August 2026 and spread of 1.40%); monthly instalment of €747.07; MTIC (total amount payable by the consumer): €283,624.33; average annual life insurance premium of €223.40. Demand deposit account quarterly maintenance fee of €16.20 (including Stamp Duty).
Including the impact of optional associated sales (*): APRC of 4.2%; Variable APR of 3.604% (12-month Euribor of 2.954% as of August 2026 and spread of 0.65%); monthly instalment of €682.31; MTIC (total amount payable by the consumer): €261,027.51; average annual life insurance premium of €213.67. Monthly maintenance fee for Conta Pacote - Packaged Account of €8.22 (including Stamp Duty).
For a €150,000 loan over 30 years, with a total of 360 instalments, 60% LTV and a mortgage guarantee.
Initial fees and expenses, including ISUC [Stamp Duty on credit usage]: €2,233.20; regular fees and expenses: comprehensive home insurance, with an annual premium of €122.63.
(*) Presupposing subscription to the following products: salary domiciliation, comprehensive home insurance with Mudum, life insurance linked to Crédito Habitação - Mortgage with GamaLife and Conta Pacote - Packaged 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 relevant index.
PUB | NOVO BANCO S.A. | Registered no. 7 at Banco de Portugal
Useful topics
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Take out a new mortgage on your property and obtain financing for whatever you need.
Reserve a sua casa com o conforto de uma pre-analise.
Pre-analise imediata
Reserve a sua casa com o conforto de uma pre-analise.
92,3% dos clientes recomendam este crédito habitação.
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92,3% dos clientes recomendam este crédito habitação.
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Reserve a sua casa com o conforto de uma pre-analise.
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92,3% dos clientes recomendam este crédito habitação.
Recomendações
92,3% dos clientes recomendam este crédito habitação.