Mortgage Calculator 2026
Monthly payment, LTV, debt service ratio (Banco de Portugal Notice 4/2017)
Verified for 2026 Source: Aviso BdP n.º 4/2017 e n.º 4/2018
Enter your income to calculate.
Methodology
Debt Service Ratio (DSR) calculated per Banco de Portugal Notice No. 4/2017. Stress test: +3 p.p. above base rate. LTV: 90% primary residence, 80% other purposes (BdP Notice No. 4/2018). Reference rate: 12M Euribor 2026 + indicative spread.
We are not credit intermediaries. For a mortgage application, consult an intermediary authorised by the Banco de Portugal.