Best Mortgage Lawyers in Portugal

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EDGE - International Lawyers

EDGE - International Lawyers

Lisbon, Portugal

Founded in 2016
200 people in their team
Our experienced team provides legal solutions for both international and domestic clients, serving their business needs whilst also understanding...
Portuguese
English
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Teresa Patricio & Associados

Teresa Patricio & Associados

Lisbon, Portugal

Founded in 2005
50 people in their team
"In the provision of legal services, ethics and attention to detail are fundamental pillars of justice.At TPA, we are proud to have always respected...
Portuguese
English
JPAB - José Pedro Aguiar - Branco Advogados

JPAB - José Pedro Aguiar - Branco Advogados

Porto, Portugal

Founded in 2000
200 people in their team
JPAB is a law firm dedicated to providing personalized legal services, balancing the balance between innovation and tradition.Maintaining its...
Portuguese
English
Porto Law | BMFS Advogados, SP, RL

Porto Law | BMFS Advogados, SP, RL

Porto, Portugal

Founded in 2019
10 people in their team
BMFS | Porto Law – Excellence, Expertise and ProximityBMFS | Porto Law is a law firm founded on a common vision: excellent legal services with...
Portuguese
English
Global Lawyers

Global Lawyers

Lisbon, Portugal

Founded in 1998
50 people in their team
Global LawyersGlobal Lawyers has a multidisciplinary team with proven experience and in-depth knowledge in all areas of law: litigation, public and...
Portuguese
English
Giambrone & Associados

Giambrone & Associados

Porto, Portugal

Founded in 2005
50 people in their team
About usGiambrone & Partners is an international law firm with legal capacity in a wide range of jurisdictions and over 15 years of...
Portuguese
English
Lima Thomas Attorneys

Lima Thomas Attorneys

Lisbon, Portugal

Founded in 2000
4 people in their team
We are a boutique law office focused on 360º support in real estate acquisitions, incorporating a company dependencies and develop a foreign...
Portuguese
English
French
Spanish
Vieira de Almeida & Associados

Vieira de Almeida & Associados

Lisbon, Portugal

Founded in 1976
200 people in their team
Who We AreEach step of the deal is vital. Drawing upon a wealth of knowledge and experience our extensive track record of innovation enables our...
Portuguese
English
Martínez-Echevarría & Ferreira

Martínez-Echevarría & Ferreira

Porto, Portugal

Founded in 1983
50 people in their team
HISTORYQuality and professional excellence for companies, families and private individuals in Spain and Portugal.Martínez-Echevarría & Ferreira...
Portuguese
English
CAMEIRÃO ADVOGADOS ASSOCIADOS

CAMEIRÃO ADVOGADOS ASSOCIADOS

Porto, Portugal

Founded in 2000
50 people in their team
ABOUT USA modern and multilingual office, a team of experienced and dedicated lawyers, with high specialization, capable of clear ideas in an...
Portuguese
English

About Mortgage Law in Portugal

In Portugal, a mortgage is a legal agreement between a borrower and a lender that allows the borrower to purchase a property with the lender's financial assistance. The property serves as collateral for the loan, giving the lender the right to seize and sell the property if the borrower fails to repay the loan.

Why You May Need a Lawyer

You may need a lawyer for mortgage-related issues such as reviewing or drafting mortgage agreements, negotiating terms with lenders, understanding your rights and obligations under the mortgage contract, resolving disputes with lenders, or foreclosure proceedings.

Local Laws Overview

In Portugal, the mortgage law is primarily governed by the Civil Code and the Mortgage Law. Some key aspects of local laws related to mortgages in Portugal include the importance of notarial deeds for mortgage contracts, the rights and obligations of borrowers and lenders, the foreclosure process, and consumer protection laws.

Frequently Asked Questions

1. What is the typical mortgage term in Portugal?

The typical mortgage term in Portugal is between 25 to 40 years, depending on the lender and the borrower's financial situation.

2. Can I get a mortgage in Portugal as a foreigner?

Yes, foreigners can obtain mortgages in Portugal, but they may be subject to different requirements and conditions compared to Portuguese nationals.

3. What are the main costs associated with getting a mortgage in Portugal?

The main costs associated with getting a mortgage in Portugal include application fees, valuation fees, notary fees, stamp duty, and registration fees.

4. What happens if I default on my mortgage payments in Portugal?

If you default on your mortgage payments in Portugal, the lender can initiate foreclosure proceedings to seize and sell the property to recover the outstanding debt.

5. Can I repay my mortgage early in Portugal?

Yes, borrowers in Portugal have the right to repay their mortgages early, but they may be subject to prepayment penalties as per the terms of the mortgage agreement.

6. Can I transfer my mortgage to another property in Portugal?

Yes, it is possible to transfer your mortgage to another property in Portugal, but the lender must approve the transfer and assess the new property as collateral.

7. Are there any government programs or incentives for first-time homebuyers in Portugal?

Yes, the Portuguese government offers various programs and incentives to first-time homebuyers, such as reduced interest rates, tax benefits, and subsidies.

8. How can I dispute a decision made by my mortgage lender in Portugal?

If you have a dispute with your mortgage lender in Portugal, you can seek legal advice and potentially take the matter to court for resolution.

9. What are the legal consequences of mortgage fraud in Portugal?

Mortgage fraud in Portugal is a criminal offense that can lead to severe penalties, including fines, imprisonment, and civil liability for damages.

10. How can I protect my rights as a borrower in a mortgage agreement in Portugal?

To protect your rights as a borrower in a mortgage agreement in Portugal, it is essential to carefully review and understand the terms of the contract, seek legal advice if needed, and ensure compliance with all legal requirements.

Additional Resources

If you need legal advice or assistance with mortgages in Portugal, you can contact the Portuguese Bar Association, consumer protection organizations, or consult with a qualified mortgage lawyer for personalized guidance.

Next Steps

If you require legal assistance with a mortgage in Portugal, it is advisable to consult with a qualified mortgage lawyer who can provide you with expert advice, negotiate on your behalf, and represent your interests in any legal proceedings related to your mortgage contract.

Disclaimer:
The information provided on this page is intended for informational purposes only and should not be construed as legal advice. While we strive to present accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or currentness of the content. Laws and regulations can change frequently, and interpretations of the law can vary. Therefore, you should consult with qualified legal professionals for specific advice tailored to your situation. We disclaim all liability for actions you take or fail to take based on any content on this page. If you find any information to be incorrect or outdated, please contact us, and we will make efforts to rectify it.