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
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...
Global Lawyers
Lisbon, Portugal

Founded in 1998
50 people in their team
Portuguese
English
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...
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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
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...
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Amaro da Luz Advogados
Coimbra, Portugal

Founded in 2000
50 people in their team
Portuguese
English
We believe that the relationship between lawyer and client is based, above all, on trust and reflects a personal bond.We excel, therefore, in the zeal and rigor in the exercise of our profession, as it is our conviction that only the Law allows the true safeguard of society.In these times, it is...

Founded in 1994
50 people in their team
Portuguese
English
Who we areCarlos Coelho & Associados - Law Firm, SP, RLIt was born in 1994 and is a reference in the city of Coimbra.Rigor, competence, responsibility and a high ethical and social sense are the values ​​that guide this firm, its lawyers and collaborators.It is our aim to satisfy our...
CCA Law Firm
Lisbon, Portugal

Founded in 1949
200 people in their team
Portuguese
English
In a world updated to the second, we must be able to constantly adapt to change. CCA relies on a responsive attitude of adaptability to several scenarios and activity areas.We focus on the future and helping organisations to achieve the best, boldest, and most effective solutions for 70 years....
RC Advogados
Braga, Portugal

Founded in 2000
50 people in their team
Portuguese
English
RC - Advogados has as its primary objective the guarantee of the rights of its clients, complying with legal and ethical principles, working in legal business consultancy, preventive and litigation advocacy.For this reason, no efforts are spared in the constant updating and improvement of the team,...
Rogério Alves & Associados
Lisbon, Portugal

Founded in 2003
50 people in their team
Portuguese
English
WHO WE AREMORE THAN LAWYERS, WE ARE PARTNERS.We are a dedicated, qualified and multidisciplinary team, organized by areas of practice. We present solutions for all the needs of each Client. We advise Clients in a competent, permanent and solidary manner, so as to exercise their rights and fulfill...
Cuatrecasas
Porto, Portugal

Founded in 1989
50 people in their team
Portuguese
English
In Portugal, Cuatrecasas currently has more than 180 lawyers and the Porto office has 20 professionals. Cuatrecasas has its Portuguese roots in the Lisbon office founded in 1928 by Professor Armando Gonçalves Pereira, who soon stood out for his independence in the exercise of law and for an...
LVP Advogados
Lisbon, Portugal

Founded in 2000
50 people in their team
Portuguese
English
​Our ApproachOur legal team assists foreign individuals, families, businesses and institutions with investments and/or residence in Portugal, from the planning stage down to day-to-day operations.Where our Client's needs exceed our scope of legal services, we can introduce them to trusted...
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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.