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Portugal mortgage, IMT and stamp duty calculator
Work out your monthly mortgage payment and every cost of buying a home in Portugal: IMT, stamp duty, deed and registration. Covers main homes, second homes and the IMT Jovem exemption.
Indicative estimate for mainland Portugal, using the 2026 tables. Excludes insurance, bank fees and valuation. Rules differ in Madeira and the Azores and may differ for non-resident buyers. Not a bank offer.
Frequently asked questions
What is IMT and how much will I pay?
IMT is the property transfer tax paid when you buy a home, before the deed. In 2026, a main home (HPP) in mainland Portugal is exempt up to €106,346. Above that the rate rises by bracket up to 8%, and above €660,982 a single rate of 6% or 7.5% applies to the whole price. A second home pays IMT from the first euro.
Who qualifies for IMT Jovem?
Buyers aged 35 or under who are buying their first main home and are not a dependant for tax purposes. Up to €330,539 there is no IMT and no purchase stamp duty. Between €330,539 and €660,982 you pay only on the part above €330,539. Above €660,982 there is no exemption.
What stamp duty is paid when buying a home?
Stamp duty is 0.8% of the purchase price and, with a mortgage, 0.6% of the loan amount. IMT Jovem exempts the purchase stamp duty on the same terms as IMT, but not the loan stamp duty.
How much will a bank lend me?
Under Banco de Portugal rules, banks lend up to 90% of the value for a main home and up to 80% for a second home, over at most 40 years. The monthly payment should also stay below about 50% of the household’s net income.
How much do the deed and registration cost?
At a Casa Pronta office the purchase and registration are done in one act for a fixed fee, which is higher with a mortgage. With a notary or lawyer the fees vary. The calculator uses an estimate based on Casa Pronta.