Best Mortgage Lawyers in Portugal

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GFDL Advogados
Lisbon, Portugal

Founded in 2018
15 people in their team
Portuguese
English
French
Hungarian
Romanian
Real Estate Mortgage Brokerage +9 more
GFDL Advogados is an independent full-service law firm based in Lisbon. Our team comprises highly skilled advisors and lawyers with international experience in law and business affairs.Our dedicated teams handle all aspects of doing business and investing in Portugal. We consolidate intellectually...
Lamares, Capela e Associados

Lamares, Capela e Associados

15 minutes Free Consultation
Lisbon, Portugal

Founded in 2019
17 people in their team
Portuguese
English
Spanish
French
Real Estate Mortgage Landlord & Tenant +3 more
Portuguese lawyers Ana Sofia Lamares and Diogo Capela are the founding partners of the law firm. After deepening their expertise and gaining experience, primarily in the fields of Immigration and Citizenship, both decided to found LACA and pursue their mission.The team brings...
Global Lawyers
Lisbon, Portugal

Founded in 1998
50 people in their team
Portuguese
English
Real Estate Mortgage Natural Resources +9 more
Global LawyersGlobal Lawyers has a multidisciplinary team with proven experience and in-depth knowledge in all areas of law: litigation, public and private, corporate, real estate and foreign investment, out-of-court dispute resolution and arbitration, golden visa, visa and citizenship.We provide...
Lexidy Law Boutique
Lisbon, Portugal

Founded in 2015
200 people in their team
Portuguese
English
Lexidy StoryAs a young lawyer in Madrid, Fede was struggling to break into the city’s legal hegemony. His first job as a newly-minted lawyer was anything but. He actually sold insurance for a large Spanish brand while application after application was rejected. Herein lies the fundamental issue...

Founded in 2001
200 people in their team
Portuguese
English
FOUNDED IN2001PRA - Raposo, Sá Miranda & Associados, Sociedade de Advogados, SP, RL is today the result of shared values, desires and goals that have created synergies and valences, in a firm of strong, dynamic, ambitious and well prepared lawyers.PRA - Raposo, Sá Miranda & Associados...
Nuno Ramalho Advogados
Braga, Portugal

Founded in 2000
50 people in their team
Portuguese
English
Nuno RamalhoProfessional experienceLawyer registered with the Bar Association since January 3, 2008Trainer in the field of Labor LawTrainer in the area of ​​transport regulation in light passenger vehicles (taxi and TVDE)Academic BackgroundDegree in Law from the University of MinhoPostgraduate...
Porto, Portugal

English
Amarah Farage is a distinguished law firm based in Portugal, renowned for its comprehensive legal services across various practice areas. The firm's team of seasoned attorneys brings extensive experience and a deep understanding of both domestic and international legal landscapes, ensuring clients...
RPRM Advogados
Porto, Portugal

Founded in 2011
5 people in their team
Portuguese
English
The RPM ADVOGADOS office located in the city of Porto, but with operations throughout the Portuguese territory, assumes a commitment to clarity, transparency and uncompromising defense of each case it assumes, as well as an attitude of respect towards all stakeholders of justice.We are an office...

English
GARCIA Advocacia & Assessoria Jurídica Internacional is a distinguished law firm renowned for its comprehensive legal services across multiple practice areas. The firm's expertise encompasses civil law, criminal justice, immigration, real estate, and trial advocacy, ensuring clients receive...

Founded in 2025
English
Ines Wollmann - Rechtsanwältin - Advogada is a distinguished law firm operating between Portugal and Germany, offering comprehensive legal services to a diverse clientele. With over two decades of experience in Portugal, the firm has developed a high level of specialization in areas such as labor...
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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.

Lawzana helps you find the best lawyers and law firms in Portugal through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Mortgage, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in Portugal - quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.